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題名 費率自由化對台灣車險市場的影響
The Effect of the Deregulation Policy on Taiwan Motor Insurance Market
作者 黃方瑩
HUANG, Crystal
貢獻者 劉助
LIU, James
黃方瑩
HUANG, Crystal
關鍵詞 費率自由化
車險市場
日期 2011
上傳時間 7-Oct-2011 14:14:11 (UTC+8)
摘要 Since the year of 2008, the American sub-prime crisis and the issue of financial derivatives dual problems caused the global finance crisis. At the same time, the Global Warming is getting worse which caused a series of natural disasters all over the world. The investment environment is seriously attacked by the storm of global financial crisis, and the international exchange rate is fluctuated largely, the re-insurance market is getting small, and the execution of deregulation in April of 2009 by Taiwan government making the premium income largely reduced. How to keep the premium income reaching at 100 billion NT dollars level, and how to react to bad economic environment are the major problems to Taiwan property insurance industry.
     Due to the economic crisis since 2008 until now, the huge variation of the exchange rate and the insurance rate of property insurance rate dropped drastically, which seriously affects Taiwan Insurance Industry, especially for automobile insurance of Property insurance industry. How to counter this big issue and find out the effective solution is the major purpose of this study.
     Selecting Top Five insurance companies as the study objectives to understand how they react to the deregulation policy and how they development after deregulation to find out the trend. Further to divide them into two groups- financial holdings and insurance company- to find out each group’s best model for deregulation.
ACKNOWLEDGEMENT II
     ABSTRACT III
     TABLE OF CONTENTS IV
     1. INTRODUCTION 1
     2. ECONOMY ENVIRONMENT 2
     2.1. INTERNATIONAL SITUATION 2
     2.2. TAIWAN SITUATION 3
     3. PROPERTY INSURANCE MARKET IN TAIWAN 4
     3.1. MARKET SIZE 4
     3.2. MARKET PLAYERS 4
     3.3. INSURANCE PRODUCTS 5
     4. AUTOMOBILE INSURANCE 7
     4.1. AUTOMOBILE INSURANCE PRODUCTS 7
     4.2. AUTOMOBILE INSURANCE MARKET IN TAIWAN 8
     5. DEREGULATION POLICY 10
     5.1. WHY EXECUTE DEREGULATION? 10
     5.2. TIME TABLE IN TAIWAN 10
     5.3. HOW IT AFFECT TAIWAN AUTOMOBILE INSURANCE MARKET? 11
     5.3.1. Premium Rate 11
     5.3.2. Rate Factor 14
     5.3.3. Market Strategy 14
     6. TOP FIVE PROPERTY INSURANCE COMPANIES 15
     6.1. PROFILE 15
     6.1.1. Fubon 15
     6.1.2. Cathay Century 15
     6.1.3. Shinkong 16
     6.1.4. Mingtai 16
     6.1.5. Tokio Marine Newa 17
     6.2. BUSINESS STRUCTURE OF TOP 5 INSURANCE COMPANIES 17
     6.3. MARKET SHARE 18
     7. STATISTICS ANALYSIS 20
     7.1. INSURANCE INCOME 20
     7.2. MARKET SHARE 20
     7.3. BUSINESS STRUCTURE 21
     7.4. AUTOMOBILE INSURANCE 24
     7.4.1. Internal business structure 24
     7.4.2. Market Share of automobile insurance 24
     7.4.3. Premium growth 25
     7.5. THE SUMMARY OF STATISTIC ANALYSIS 27
     8. FINANCIAL ANALYSIS 29
     8.1. THE ABILITY OF NEW BUSINESS DEVELOPING 29
     8.2. THE ABILITY OF GOOD BUSINESS SELECTING 30
     8.3. THE ABILITY OF INVESTMENT 30
     8.4. THE ABILITY OF BAD DEBTS MANAGEMENT 31
     8.5. THE SUMMARY OF FINANCIAL ANALYSIS 32
     9. FINANCIAL HOLDINGS VS. INSURANCE COMPANY 34
     9.1. FOUR FINANCIAL INDEXES 34
     9.1.1. The Ability of New Business Developing 34
     9.1.2. The Ability of Good Business Selecting 34
     9.1.3. The Ability of Investment 34
     9.1.4. The Ability of Bad Debts Management 35
     9.1.5. Sub-summary 35
     9.2. RETURN OF RESOURCE (ROR) 36
     9.3. RETURN OF EQUITY (ROE) 37
     9.4. NET PROFIT 37
     9.5. SUMMARY 39
     9.5.1. Financial holdings 39
     9.5.2. Insurance company 39
     9.6. EVALUATION 40
     9.6.1. Financial Holdings 41
     9.6.2. Insurance Company 42
     10. CONCLUSION 43
     REFERENCE 47
參考文獻 1. http://www.cali.org.tw/data2_99.aspx 行政院金融監督管理委員會委託財團法人保險事業發展中心建置
2. http://www.nlia.org.tw/ http://www.nlia.org.tw/ 中華民國產物保險商業同業公會
3. http://en.wikipedia.org/wiki/Deregulation 維基百科
4. http://en.wikipedia.org/wiki/Automobile_insurance 維基百科
5. http://en.wikipedia.org/wiki/Auto_insurance_risk_selection 維基百科
6. http://www.ntat.gov.tw/ 財政部台北市國稅局
7. http://www.fubon.com/insurance/home/ 富邦產物保險股份有限公司
8. https://www.cathay-ins.com.tw/index.asp 國泰產險股份有限公司
9. http://www.skinsurance.com.tw/ 新光產物保險股份有限公司
10. http://www.mingtai.com.tw/ 三井住友海上集團明台產物保險
11. http://www.tmnewa.com.tw/ 新安東新海上產物保險股份有限公司
12. http://mops.twse.com.tw/mops/web/index 公開資訊觀測站
13. 台灣產險市場現況分析 富邦產物保險企劃部 郭世昌先生 2009年3月
14. http://www.cali.org.tw/ 強制汽車責任保險專屬網站
描述 碩士
國立政治大學
國際經營管理英語碩士學位學程(IMBA)
97933024
100
資料來源 http://thesis.lib.nccu.edu.tw/record/#G0097933024
資料類型 thesis
dc.contributor.advisor 劉助zh_TW
dc.contributor.advisor LIU, Jamesen_US
dc.contributor.author (Authors) 黃方瑩zh_TW
dc.contributor.author (Authors) HUANG, Crystalen_US
dc.creator (作者) 黃方瑩zh_TW
dc.creator (作者) HUANG, Crystalen_US
dc.date (日期) 2011en_US
dc.date.accessioned 7-Oct-2011 14:14:11 (UTC+8)-
dc.date.available 7-Oct-2011 14:14:11 (UTC+8)-
dc.date.issued (上傳時間) 7-Oct-2011 14:14:11 (UTC+8)-
dc.identifier (Other Identifiers) G0097933024en_US
dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/51488-
dc.description (描述) 碩士zh_TW
dc.description (描述) 國立政治大學zh_TW
dc.description (描述) 國際經營管理英語碩士學位學程(IMBA)zh_TW
dc.description (描述) 97933024zh_TW
dc.description (描述) 100zh_TW
dc.description.abstract (摘要) Since the year of 2008, the American sub-prime crisis and the issue of financial derivatives dual problems caused the global finance crisis. At the same time, the Global Warming is getting worse which caused a series of natural disasters all over the world. The investment environment is seriously attacked by the storm of global financial crisis, and the international exchange rate is fluctuated largely, the re-insurance market is getting small, and the execution of deregulation in April of 2009 by Taiwan government making the premium income largely reduced. How to keep the premium income reaching at 100 billion NT dollars level, and how to react to bad economic environment are the major problems to Taiwan property insurance industry.
     Due to the economic crisis since 2008 until now, the huge variation of the exchange rate and the insurance rate of property insurance rate dropped drastically, which seriously affects Taiwan Insurance Industry, especially for automobile insurance of Property insurance industry. How to counter this big issue and find out the effective solution is the major purpose of this study.
     Selecting Top Five insurance companies as the study objectives to understand how they react to the deregulation policy and how they development after deregulation to find out the trend. Further to divide them into two groups- financial holdings and insurance company- to find out each group’s best model for deregulation.		en_US
dc.description.abstract (摘要) ACKNOWLEDGEMENT II
     ABSTRACT III
     TABLE OF CONTENTS IV
     1. INTRODUCTION 1
     2. ECONOMY ENVIRONMENT 2
     2.1. INTERNATIONAL SITUATION 2
     2.2. TAIWAN SITUATION 3
     3. PROPERTY INSURANCE MARKET IN TAIWAN 4
     3.1. MARKET SIZE 4
     3.2. MARKET PLAYERS 4
     3.3. INSURANCE PRODUCTS 5
     4. AUTOMOBILE INSURANCE 7
     4.1. AUTOMOBILE INSURANCE PRODUCTS 7
     4.2. AUTOMOBILE INSURANCE MARKET IN TAIWAN 8
     5. DEREGULATION POLICY 10
     5.1. WHY EXECUTE DEREGULATION? 10
     5.2. TIME TABLE IN TAIWAN 10
     5.3. HOW IT AFFECT TAIWAN AUTOMOBILE INSURANCE MARKET? 11
     5.3.1. Premium Rate 11
     5.3.2. Rate Factor 14
     5.3.3. Market Strategy 14
     6. TOP FIVE PROPERTY INSURANCE COMPANIES 15
     6.1. PROFILE 15
     6.1.1. Fubon 15
     6.1.2. Cathay Century 15
     6.1.3. Shinkong 16
     6.1.4. Mingtai 16
     6.1.5. Tokio Marine Newa 17
     6.2. BUSINESS STRUCTURE OF TOP 5 INSURANCE COMPANIES 17
     6.3. MARKET SHARE 18
     7. STATISTICS ANALYSIS 20
     7.1. INSURANCE INCOME 20
     7.2. MARKET SHARE 20
     7.3. BUSINESS STRUCTURE 21
     7.4. AUTOMOBILE INSURANCE 24
     7.4.1. Internal business structure 24
     7.4.2. Market Share of automobile insurance 24
     7.4.3. Premium growth 25
     7.5. THE SUMMARY OF STATISTIC ANALYSIS 27
     8. FINANCIAL ANALYSIS 29
     8.1. THE ABILITY OF NEW BUSINESS DEVELOPING 29
     8.2. THE ABILITY OF GOOD BUSINESS SELECTING 30
     8.3. THE ABILITY OF INVESTMENT 30
     8.4. THE ABILITY OF BAD DEBTS MANAGEMENT 31
     8.5. THE SUMMARY OF FINANCIAL ANALYSIS 32
     9. FINANCIAL HOLDINGS VS. INSURANCE COMPANY 34
     9.1. FOUR FINANCIAL INDEXES 34
     9.1.1. The Ability of New Business Developing 34
     9.1.2. The Ability of Good Business Selecting 34
     9.1.3. The Ability of Investment 34
     9.1.4. The Ability of Bad Debts Management 35
     9.1.5. Sub-summary 35
     9.2. RETURN OF RESOURCE (ROR) 36
     9.3. RETURN OF EQUITY (ROE) 37
     9.4. NET PROFIT 37
     9.5. SUMMARY 39
     9.5.1. Financial holdings 39
     9.5.2. Insurance company 39
     9.6. EVALUATION 40
     9.6.1. Financial Holdings 41
     9.6.2. Insurance Company 42
     10. CONCLUSION 43
     REFERENCE 47		-
dc.description.tableofcontents ACKNOWLEDGEMENT II
     ABSTRACT III
     TABLE OF CONTENTS IV
     1. INTRODUCTION 1
     2. ECONOMY ENVIRONMENT 2
     2.1. INTERNATIONAL SITUATION 2
     2.2. TAIWAN SITUATION 3
     3. PROPERTY INSURANCE MARKET IN TAIWAN 4
     3.1. MARKET SIZE 4
     3.2. MARKET PLAYERS 4
     3.3. INSURANCE PRODUCTS 5
     4. AUTOMOBILE INSURANCE 7
     4.1. AUTOMOBILE INSURANCE PRODUCTS 7
     4.2. AUTOMOBILE INSURANCE MARKET IN TAIWAN 8
     5. DEREGULATION POLICY 10
     5.1. WHY EXECUTE DEREGULATION? 10
     5.2. TIME TABLE IN TAIWAN 10
     5.3. HOW IT AFFECT TAIWAN AUTOMOBILE INSURANCE MARKET? 11
     5.3.1. Premium Rate 11
     5.3.2. Rate Factor 14
     5.3.3. Market Strategy 14
     6. TOP FIVE PROPERTY INSURANCE COMPANIES 15
     6.1. PROFILE 15
     6.1.1. Fubon 15
     6.1.2. Cathay Century 15
     6.1.3. Shinkong 16
     6.1.4. Mingtai 16
     6.1.5. Tokio Marine Newa 17
     6.2. BUSINESS STRUCTURE OF TOP 5 INSURANCE COMPANIES 17
     6.3. MARKET SHARE 18
     7. STATISTICS ANALYSIS 20
     7.1. INSURANCE INCOME 20
     7.2. MARKET SHARE 20
     7.3. BUSINESS STRUCTURE 21
     7.4. AUTOMOBILE INSURANCE 24
     7.4.1. Internal business structure 24
     7.4.2. Market Share of automobile insurance 24
     7.4.3. Premium growth 25
     7.5. THE SUMMARY OF STATISTIC ANALYSIS 27
     8. FINANCIAL ANALYSIS 29
     8.1. THE ABILITY OF NEW BUSINESS DEVELOPING 29
     8.2. THE ABILITY OF GOOD BUSINESS SELECTING 30
     8.3. THE ABILITY OF INVESTMENT 30
     8.4. THE ABILITY OF BAD DEBTS MANAGEMENT 31
     8.5. THE SUMMARY OF FINANCIAL ANALYSIS 32
     9. FINANCIAL HOLDINGS VS. INSURANCE COMPANY 34
     9.1. FOUR FINANCIAL INDEXES 34
     9.1.1. The Ability of New Business Developing 34
     9.1.2. The Ability of Good Business Selecting 34
     9.1.3. The Ability of Investment 34
     9.1.4. The Ability of Bad Debts Management 35
     9.1.5. Sub-summary 35
     9.2. RETURN OF RESOURCE (ROR) 36
     9.3. RETURN OF EQUITY (ROE) 37
     9.4. NET PROFIT 37
     9.5. SUMMARY 39
     9.5.1. Financial holdings 39
     9.5.2. Insurance company 39
     9.6. EVALUATION 40
     9.6.1. Financial Holdings 41
     9.6.2. Insurance Company 42
     10. CONCLUSION 43
     REFERENCE 47		zh_TW
dc.language.iso en_US-
dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0097933024en_US
dc.subject (關鍵詞) 費率自由化zh_TW
dc.subject (關鍵詞) 車險市場zh_TW
dc.title (題名) 費率自由化對台灣車險市場的影響zh_TW
dc.title (題名) The Effect of the Deregulation Policy on Taiwan Motor Insurance Marketen_US
dc.type (資料類型) thesisen
dc.relation.reference (參考文獻) 1. http://www.cali.org.tw/data2_99.aspx 行政院金融監督管理委員會委託財團法人保險事業發展中心建置zh_TW
dc.relation.reference (參考文獻) 2. http://www.nlia.org.tw/ http://www.nlia.org.tw/ 中華民國產物保險商業同業公會zh_TW
dc.relation.reference (參考文獻) 3. http://en.wikipedia.org/wiki/Deregulation 維基百科zh_TW
dc.relation.reference (參考文獻) 4. http://en.wikipedia.org/wiki/Automobile_insurance 維基百科zh_TW
dc.relation.reference (參考文獻) 5. http://en.wikipedia.org/wiki/Auto_insurance_risk_selection 維基百科zh_TW
dc.relation.reference (參考文獻) 6. http://www.ntat.gov.tw/ 財政部台北市國稅局zh_TW
dc.relation.reference (參考文獻) 7. http://www.fubon.com/insurance/home/ 富邦產物保險股份有限公司zh_TW
dc.relation.reference (參考文獻) 8. https://www.cathay-ins.com.tw/index.asp 國泰產險股份有限公司zh_TW
dc.relation.reference (參考文獻) 9. http://www.skinsurance.com.tw/ 新光產物保險股份有限公司zh_TW
dc.relation.reference (參考文獻) 10. http://www.mingtai.com.tw/ 三井住友海上集團明台產物保險zh_TW
dc.relation.reference (參考文獻) 11. http://www.tmnewa.com.tw/ 新安東新海上產物保險股份有限公司zh_TW
dc.relation.reference (參考文獻) 12. http://mops.twse.com.tw/mops/web/index 公開資訊觀測站zh_TW
dc.relation.reference (參考文獻) 13. 台灣產險市場現況分析 富邦產物保險企劃部 郭世昌先生 2009年3月zh_TW
dc.relation.reference (參考文獻) 14. http://www.cali.org.tw/ 強制汽車責任保險專屬網站zh_TW