| dc.contributor | 風管系 | |
| dc.creator (作者) | 彭金隆 | |
| dc.date (日期) | 2018-12 | |
| dc.date.accessioned | 18-Jun-2026 13:22:37 (UTC+8) | - |
| dc.date.available | 18-Jun-2026 13:22:37 (UTC+8) | - |
| dc.date.issued (上傳時間) | 18-Jun-2026 13:22:37 (UTC+8) | - |
| dc.identifier.uri (URI) | https://ah.lib.nccu.edu.tw/item?item_id=183018 | - |
| dc.description.abstract (摘要) | 銀行保險業務架構中，涉及到三個重要的參與主體，包括提供產品的保險公司，提供通路的銀行以及在銀行購買保險的消費者。然而過去探討銀行保險相關文獻中，討論銀行保險通路的加入後，對於銀行以及保險公司影響的研究非常多，但探討銀行保險對於消費者的影響則非常少。銀行保險通路加入保險市場後，到底對於保險消費者是產生正面或是負面的影響? 本研究計劃根據過去解釋獨立通路存在的產品品質假說(product quality hypothesis)以及市場不完全假說(market imperfect hypothesis)角度切入，並以我國銀行保險市場2007-2015年之實際資料，檢驗在我國銀行保險市場中，銀行通路是否支持服務品質假說，以提供銀行確實有為保險客戶提供額外的服務之證據，抑或銀行僅會利用資訊優勢，傾向於採取自利行為而支持市場不完全假說的推論。本研究預期結果可更完整檢視我國銀行保險業務對於整體金融市場的貢獻或影響，亦可以補足過去對消費者端影響文獻的不足。 | |
| dc.description.abstract (摘要) | Bancassurance business involves three important participants, including insurance companies, banks, and consumers who purchase insurance form banks. Many previous literatures of bancassurance have investigated the impact of bancassurance involvement on banks and insurance companies, but very few discuss the impact of bancassurance for consumers. After the bank channel into the insurance market, insurance consumers face a positive or negative impact? It is the most important questions of the research. This research follows the product quality hypothesis and market imperfect hypothesis to explain this topic. We plan to collect real bancassurance data in Taiwan from 2007 to 2015 to test our research hypotheses. If product quality hypothesis is confirmed, the result will provide evidence that bancassurance has a positive effect to the customer. This study can contribute a more comprehensive view of bancassurance’s influence to financial market, and fill the gap of literature. | |
| dc.format.extent | 116 bytes | - |
| dc.format.mimetype | text/html | - |
| dc.relation (關聯) | 科技部, MOST106-2410-H004-043, 106.08-107.07 | |
| dc.subject (關鍵詞) | 銀行保險; 產品品質假說; 市場不完全假說; 保險消費者 | |
| dc.subject (關鍵詞) | bancassurance; product quality hypothesis; market imperfect hypothesis; insurance customer | |
| dc.title (題名) | 消費者透過銀行通路購買保險真的有比較好嗎？ | |
| dc.title (題名) | Buying Insurance through the Bank Is Better for Customers? | |
| dc.type (資料類型) | report | |
