| dc.contributor | 風管系 | |
| dc.creator (作者) | 陳彩稚 | |
| dc.date (日期) | 2017-09 | |
| dc.date.accessioned | 17-Jun-2026 15:55:21 (UTC+8) | - |
| dc.date.available | 17-Jun-2026 15:55:21 (UTC+8) | - |
| dc.date.issued (上傳時間) | 17-Jun-2026 15:55:21 (UTC+8) | - |
| dc.identifier.uri (URI) | https://ah.lib.nccu.edu.tw/item?item_id=182993 | - |
| dc.description.abstract (摘要) | 本研究目的在於探討我國壽險業市場自律之存在與否。所謂市場自律是指保險消費需求與保險人經營風險直接相關，藉由需求面敏銳反映供給面之風險，因而促進保險人審慎經營以確保清償能力。當市場自律存在時，開放保險業者自由競爭才具有意義，否則將會造成劣幣逐良幣的現象。近期之歐盟保險監理制度Solvency II以及美國清償監理修正草案(Solvency Modernization Initiative)，都特別強調市場自律之重要性。因為隨者金融自由化政策之實施，主管機關對於保單與費率之監管已經放寬，核准制減少而核備制或備查制增加。在此情況下，必須藉由市場自由競爭之機制，才能影響保險人之經營。亦即監理機關之監督已成次要，消費者監督才是促成保險人穩健經營之主要力量。換言之，市場自律之存在乃是實施金融自由化政策之前提，因此歐美各國學者紛紛投入市場自律之研究。
我國保險市場長期以來仰賴政府之監理介入，政府對於經營不善業者之保單給予十足保障，消費者是否具備監督保險人之意願與能力？乃是值得加以深入研究探討。本研究除參考先前文獻，分析保險人之財務風險與核保風險對於保險需求之影響外，並且特別加入保險人公司聲譽之變數。因為保險是無形商品，消費者對於保險人之信任乃是購買保單之關鍵，而公司聲譽乃是影響信任之重要因素。近日文獻紛紛主張聲譽風險是保險公司極重要的企業風險之一，因此本研究特別將其納入市場自律之分析，乃是創新之舉。本研究之實證分析結果，預期將有助於瞭解我國壽險市場自律之情況，對於監理機關擬定健全市場發展政策應有所助益。 | |
| dc.description.abstract (摘要) | This paper intends to study whether there exists market discipline in life insurance industry in Taiwan. Market discipline implies insurance demand can sensitively responds to the enterprise risk of insurance companies. Since the demand for life insurance in Taiwan grows dramatically in the past decade, it is necessary for the regulators to monitor the solvency of insurers to protect consumers. Recently market discipline is regarded as a new feature of insurance regulation in the European market (Solvency II) as well as in the U.S. (Solvency Modernization Initiative), and will be implemented from 2016 in the EU. The enterprise risks of a firm could be quantitative and qualitative. Especially insurance is an intangible product and consumer’s trust on the insurer is the key to purchase decision. Reputation risk for insurance is emphasized in recent literature. Therefore this paper investigates market disciple with consideration of corporate reputation of insurer in addition to traditional viewpoints on financial soundness and underwriting quality. | |
| dc.format.extent | 116 bytes | - |
| dc.format.mimetype | text/html | - |
| dc.relation (關聯) | 科技部, MOST105-2410-H004-113, 105.08-106.07 | |
| dc.subject (關鍵詞) | 人壽保險; 市場自律; 財務健全; 業務品質; 公司聲譽; 保險監理 | |
| dc.subject (關鍵詞) | life insurance; market discipline; financial soundness; underwriting quality; corporate reputation; solvency II | |
| dc.title (題名) | 我國壽險業市場自律之研究：消費者對於保險公司企業風險之回應 | |
| dc.title (題名) | Market Discipline in Life Insurance: Consumers’ Reaction to Enterprise Risks of Insurance Companies | |
| dc.type (資料類型) | report | |
