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題名 中國人壽保險市場研究
A study of life insurance market in China作者 王倩雯
Wang, Chien Wen貢獻者 黃仁德
Hwang, Jen Te
王倩雯
Wang, Chien Wen關鍵詞 人壽保險
保險
銀行保險
中國大陸保險市場
風險管理
外商保險公司
life insurance
insurance
Bancassurance
China`s insurance market
risk management
foreign insurers日期 2008 上傳時間 24-Oct-2012 16:16:34 (UTC+8) 摘要 雖自1978年開始，但是從1992年鄧小平的南方談話後，中國大陸才正式進入改革開放時期，並持續20年至今。如今，中國已成為一個小康社會。"私有"的概念取代"國有"的概念是社會的一個巨大驅動力。 隨著市場經濟的腳步，保險業加入市場，並成為社會上一個穩定的力量。在這二十年中，壽險業是中國發展最快的行業之一。因為了解這股社會穩定力量的重要性，中國政府制定並頒布了許多法規，並推動保險業積極參與整個金融體系。 在全球化環境以及WTO的架構下，中國政府透過完善法制，加速開放腳步以吸引外國投資。如今，中國的保險市場已達到一定的規模。銀行險保為中國壽險市場帶來持續性的增長，並且對於保險公司的保費收入發揮重要作用。 我們建議，中國政府應注意仍然存在的壟斷局面，風險管理，以及利率的變化，以避免在未來的利差損問題。現在外資保險公司只佔較小的市場份額，如果情況持續存在，這並不利於金融體系的發展。跨業之間風險互相影響傳遞的可能性，將一天一天增加，因此，政府應創造良好的金融環境，也應對於風險控管持續關注。
Started in 1978, but after Deng’s Southern Speech in 1992, Mainland China officially entered an evolution and opening year, which last 20 years till now. Nowadays China is a moderately prosperous society. The change of the concept "private" replaces "state-owned" is a huge driven power for the society. Following the market economy step, insurance industry joins and become a stable power to the society. In the two decades, life insurance industry is one of the fastest developing industries in China. Understanding how important the stable power for the society, the Chinese government enacts many regulations and pushes insurance industry to actively join the whole financial system. Under globalization environment and WTO structure, Chinese government accelerates the open steps by perfect legal system and attracts foreign investment. Nowadays China’s insurance market reaches a certain scale. Bancassurance brings continuous growth of China’s life insurance market and keep playing important role for insurer’s premium income. This study suggests that the Chinese government should pay more attention on monopoly situation, risk management, and the changes of interest rate to avoid negative spread problem in the future. Foreign insurers nowadays only accounted for minor market share which is not good for the development for the financial system if the situation exists continuously. The probabilities of risk transmission across industries will increase day by day; therefore, the government should create a sound financial environment and also keep their eyes on risk control.參考文獻 Chen, H. and H. M. Qi (2008), “Area Difference and Coordination of Insurance Industry of China,” Journal of Jiangxi University of Finance and Economics, 2, pp. 38-41. (In Chinese)Chen, W. H., Y. Li, and H. L. Wei (2007), Bancassurance: International Experience and the Development in China. Beijing: Economy & Management Publishing House. (In Chinese)Deng, J. (2006), “Value Innovation: Life Insurers’ Thoughts of Strategic Operation,” Shanghai Insurance, 2, pp. 13-16. (In Chinese)Ewing, R. D. (2006), “Life Insurance Industry Heats Up,” China Business Review, 33:3, pp. 148-160.Guo, J. B. (2008), “Area Differance of Insurance Market in China,” Journal of Puyang Vocational and Technical College, 21:3, pp. 38-40. (In Chinese)He, D. X. (2008). Annual Report of China’s Service Industry 1978-2008. Beijing: Social Sciences Academic Press.Hong, C. N. (2006), “Development and Prospect of Life Insurance in Taiwan, Part I,” Life Insurance Quarterly, 142, pp. 9-24. (In Chinese)Hu, H. B. (2007), “Integration of Insurance Devolopment and Economic Growth in China,” Shandong Economy, 23:6, pp.74-78. (In Chinese)Hong, C. N. (2007), “Development and Prospect of Life Insurance in Taiwan, Part II,” Life Insurance Quarterly, 143, pp. 1-21. (In Chinese)Insurance Institute of China (1998), History of China Insurance. Beijing: China Finance Publisher. (In Chinese)Laurence, L. (1995), “Demand for Health Insurance and Precautionary Motives for Savings Among the Elderly,” Journal of Public Economics, 57:3, pp. 337-367.Liou, D. J. (2008), “Review and Prospect of China’s Insurance Market Opening after Entering WTO,” Journal of Insurance, 5, pp. 34-35. (In Chinese)Liou, R. W. (2008), Insurance Industry in China: Present Situation and Development. Beijing: Social Sciences Literature Publisher. (In Chinese)Life Insurance Association of the Republic of China (2008), The Life Insurance Industry in Taiwan 2008. Taipei: The Life Insurance Association of the Republic of China.Luo, Z. M. (2000), “Measure Indicator for Consumer Buying Behavior,” Journal of Beijing Business College, 15:4, pp. 30-33 (In Chinese)Maslow, A. H. (1970), Motivation and Personality. New York: Harper & Row.Mo, W. C. (2007), The Strategies and Existing Problems for Cooperation and Development of Bancassurance. Guangxi: Market Forum. (In Chinese)Neftci, S. N. and M. Yuan (2007), China’s Financial Markets. New York: Elsevier Academic Press.North, D. C. and R. P. Thomas (1973), The Rise of the Western World. Cambridge: Cambridge University Press.Peng, J. Z. (2006), Study on Changing Proverty Rights of National Insurance Enterprise. Shanghai: Sanlian Bookstore. (In Chinese)Postdoctoral Scientific Research Work Station of China Insurance Regulatory Commission (2009), China Insurance Market Development Report 2009. Beijing: China Radio & Television Publishing House. (In Chinese)Qiou, M. H. (2002), An Analysis on China’s Insurance Agency Market. Taipei: Research Division of Taiwan Insurance Institute. (In Chinese)Qiou, Z. H. (2005), “The Present Situation and Challenge of Life Insurance Development in China,” Life Insurance Quarterly, 4, pp. 44-45. (In Chinese)Ren, Y. Y. and X. Y. Xu (2008), “Correlation Between Insurance Development and Economic Growth in China,” Journal of Shandong University, 1, pp. 91-96. (In Chinese)Saunders, M. (2004), “China: Review of China’s Life Insurance Market,” Asia Insurance Review, 1, pp. 1-2.Skipper, H. D. (1996), International Risk & Insurance: An Environmental-Managerial Approach. New York: McGraw-Hill.Sun, Q. X. and X. D. Yu (2007), China’s Insurance Industry During Institutional Changes. Beijing: Beijing University Press. (In Chinese)Swiss Re (2009), “World Insurance in 2008: Life Premiums Fall in the Industrialized Countries,” Sigma , 3, pp. 1-44.Swiss Re (2006), “Getting Together: Globals Take the Lead in Life Insurance M&A,” Sigma, 1, pp. 1-36.Tan, Y. P. (2008), “Present Situation and International Comparism of Bank Insurance,” China Statistics, 6, pp. 60-61. (In Chinese) Tsung, C. H. (2007), “The Comparative Study of Bank Insurance Between Taiwan and China,” Executive Master’s Program of Business Administration in Insurance Management, Tamkang University. (In Chinese)Tuo, G. C. and J. S. Chu (2006), “Review and Prospect of China’s Insrurance Industry During 15-Years-Period,” Journal of Henan Institute of Financial Management, 1, pp. 52-53. (In Chinese)Walker, P. (2006), “McKinsey & Company’s Newly Research Report on China Insurance Industry, Part I,” Insurance Studies, 1, pp. 1-42. (In Chinese)Wang, Y. C. (2006), China Insurance Market Research. Beijing: China Economic Publishing House. (In Chinese)Wei, H. L. and Y. Guo (1999) Liberalization and Supervision of China’s Insurance Market. Beijing: China Finance Publisher. (In Chinese)Xu, W. H. (2005), Transition Study of China’s Insurance Market. Shanghai: Press of Social Science Institute. (In Chinese) 描述 碩士
國立政治大學
中國大陸研究英語碩士學程(IMCS)
94925014
97資料來源 http://thesis.lib.nccu.edu.tw/record/#G0094925014 資料類型 thesis dc.contributor.advisor 黃仁德 zh_TW dc.contributor.advisor Hwang, Jen Te en_US dc.contributor.author (Authors) 王倩雯 zh_TW dc.contributor.author (Authors) Wang, Chien Wen en_US dc.creator (作者) 王倩雯 zh_TW dc.creator (作者) Wang, Chien Wen en_US dc.date (日期) 2008 en_US dc.date.accessioned 24-Oct-2012 16:16:34 (UTC+8) - dc.date.available 24-Oct-2012 16:16:34 (UTC+8) - dc.date.issued (上傳時間) 24-Oct-2012 16:16:34 (UTC+8) - dc.identifier (Other Identifiers) G0094925014 en_US dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/54087 - dc.description (描述) 碩士 zh_TW dc.description (描述) 國立政治大學 zh_TW dc.description (描述) 中國大陸研究英語碩士學程(IMCS) zh_TW dc.description (描述) 94925014 zh_TW dc.description (描述) 97 zh_TW dc.description.abstract (摘要) 雖自1978年開始，但是從1992年鄧小平的南方談話後，中國大陸才正式進入改革開放時期，並持續20年至今。如今，中國已成為一個小康社會。"私有"的概念取代"國有"的概念是社會的一個巨大驅動力。 隨著市場經濟的腳步，保險業加入市場，並成為社會上一個穩定的力量。在這二十年中，壽險業是中國發展最快的行業之一。因為了解這股社會穩定力量的重要性，中國政府制定並頒布了許多法規，並推動保險業積極參與整個金融體系。 在全球化環境以及WTO的架構下，中國政府透過完善法制，加速開放腳步以吸引外國投資。如今，中國的保險市場已達到一定的規模。銀行險保為中國壽險市場帶來持續性的增長，並且對於保險公司的保費收入發揮重要作用。 我們建議，中國政府應注意仍然存在的壟斷局面，風險管理，以及利率的變化，以避免在未來的利差損問題。現在外資保險公司只佔較小的市場份額，如果情況持續存在，這並不利於金融體系的發展。跨業之間風險互相影響傳遞的可能性，將一天一天增加，因此，政府應創造良好的金融環境，也應對於風險控管持續關注。 zh_TW dc.description.abstract (摘要) Started in 1978, but after Deng’s Southern Speech in 1992, Mainland China officially entered an evolution and opening year, which last 20 years till now. Nowadays China is a moderately prosperous society. The change of the concept "private" replaces "state-owned" is a huge driven power for the society. Following the market economy step, insurance industry joins and become a stable power to the society. In the two decades, life insurance industry is one of the fastest developing industries in China. Understanding how important the stable power for the society, the Chinese government enacts many regulations and pushes insurance industry to actively join the whole financial system. Under globalization environment and WTO structure, Chinese government accelerates the open steps by perfect legal system and attracts foreign investment. Nowadays China’s insurance market reaches a certain scale. Bancassurance brings continuous growth of China’s life insurance market and keep playing important role for insurer’s premium income. This study suggests that the Chinese government should pay more attention on monopoly situation, risk management, and the changes of interest rate to avoid negative spread problem in the future. Foreign insurers nowadays only accounted for minor market share which is not good for the development for the financial system if the situation exists continuously. The probabilities of risk transmission across industries will increase day by day; therefore, the government should create a sound financial environment and also keep their eyes on risk control. en_US dc.description.tableofcontents Chapter 1 Introduction 1 1.1 Research Background 1 1.2 Methodology and Research Proposition 5Chapter 2 The Retrospect of China’s Life Insurance Development 7 2.1 The Transition of China’s Insurance System 8 2.2 Starting Period: Pre-1949 9 2.3 The Insurance Market of Socialist Period –––– 1949～1978 10 2.4 The Insurance Market after Reform –––– 1979～1991 12 2.5 All-Round Development of China’s Life Insurance –––– 1992～2008 14 2.6 The Arrangement of Property Right 23 2.7 Summary 31Chapter 3 The Market Environment and Status of China’s Life Insurance Industry 33 3.1 The Function of China’s Life Insurance Market 33 3.2 Customers and Their Life Insurance Demand 37 3.3 Globalization and the Development of Life Insurance Industry 39 3.4 China’s Economic Growth and the Development of Life Insurance Industry 42 3.5 The Regional Differences of China’s Life Insurance Market 45 3.6 The Status of China’s Life Insurance Market 48 3.7 Summary 51Chapter 4 The Distribution Channels in China’s Life Insurance Market 53 4.1 The Development History of Bancassurance Channel 53 4.1.1 The Origin of Bancassurance 54 4.1.2 Product Types in Bancassurance Channel 54 4.2 The Historic Development of Taiwan’s Bancassurance Channel and the Implication to China 56 4.2.1 Sales Results of Taiwan Bancassurance Channel 58 4.2.2 Life Insurance Products of Taiwan Bancassurance Channel 59 4.2.3 Taiwan’s Bancassurance Business in China 60 4.3 The Development History of China’s Bancassurance Channel 63 4.3.1 Initial stage –––– 1981～1992 63 4.3.2 Exploring period –––– 1993～1999 64 4.3.3 Development period –––– 2000～2003 65 4.3.4 Transformation period –––– 2004～the present 66 4.4 The Operation Model of China’s Bancassurance Channel 70 4.4.1 Sales Channel on Bancassurance 72 4.4.2 Win-Win Strategy for Banks and Insurers 73 4.5 The Issues and Prospect of China’s Bancassurance Channel 76 4.5.1 Issues of China’s Bancassurance Development 76 4.5.2 Prospect of China’s Bancassurance Development 784.6 Summary 79Chapter 5 Conclusion 81 5.1 Issues of life insurance development in China 81 5.2 Prospect of China’s Life Insurance Market 85Reference 89 zh_TW dc.language.iso en_US - dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0094925014 en_US dc.subject (關鍵詞) 人壽保險 zh_TW dc.subject (關鍵詞) 保險 zh_TW dc.subject (關鍵詞) 銀行保險 zh_TW dc.subject (關鍵詞) 中國大陸保險市場 zh_TW dc.subject (關鍵詞) 風險管理 zh_TW dc.subject (關鍵詞) 外商保險公司 zh_TW dc.subject (關鍵詞) life insurance en_US dc.subject (關鍵詞) insurance en_US dc.subject (關鍵詞) Bancassurance en_US dc.subject (關鍵詞) China`s insurance market en_US dc.subject (關鍵詞) risk management en_US dc.subject (關鍵詞) foreign insurers en_US dc.title (題名) 中國人壽保險市場研究 zh_TW dc.title (題名) A study of life insurance market in China en_US dc.type (資料類型) thesis en dc.relation.reference (參考文獻) Chen, H. and H. M. Qi (2008), “Area Difference and Coordination of Insurance Industry of China,” Journal of Jiangxi University of Finance and Economics, 2, pp. 38-41. (In Chinese)Chen, W. H., Y. Li, and H. L. Wei (2007), Bancassurance: International Experience and the Development in China. Beijing: Economy & Management Publishing House. (In Chinese)Deng, J. (2006), “Value Innovation: Life Insurers’ Thoughts of Strategic Operation,” Shanghai Insurance, 2, pp. 13-16. (In Chinese)Ewing, R. D. (2006), “Life Insurance Industry Heats Up,” China Business Review, 33:3, pp. 148-160.Guo, J. B. (2008), “Area Differance of Insurance Market in China,” Journal of Puyang Vocational and Technical College, 21:3, pp. 38-40. (In Chinese)He, D. X. (2008). Annual Report of China’s Service Industry 1978-2008. Beijing: Social Sciences Academic Press.Hong, C. N. (2006), “Development and Prospect of Life Insurance in Taiwan, Part I,” Life Insurance Quarterly, 142, pp. 9-24. (In Chinese)Hu, H. B. (2007), “Integration of Insurance Devolopment and Economic Growth in China,” Shandong Economy, 23:6, pp.74-78. (In Chinese)Hong, C. N. (2007), “Development and Prospect of Life Insurance in Taiwan, Part II,” Life Insurance Quarterly, 143, pp. 1-21. (In Chinese)Insurance Institute of China (1998), History of China Insurance. Beijing: China Finance Publisher. (In Chinese)Laurence, L. (1995), “Demand for Health Insurance and Precautionary Motives for Savings Among the Elderly,” Journal of Public Economics, 57:3, pp. 337-367.Liou, D. J. (2008), “Review and Prospect of China’s Insurance Market Opening after Entering WTO,” Journal of Insurance, 5, pp. 34-35. (In Chinese)Liou, R. W. (2008), Insurance Industry in China: Present Situation and Development. Beijing: Social Sciences Literature Publisher. (In Chinese)Life Insurance Association of the Republic of China (2008), The Life Insurance Industry in Taiwan 2008. Taipei: The Life Insurance Association of the Republic of China.Luo, Z. M. (2000), “Measure Indicator for Consumer Buying Behavior,” Journal of Beijing Business College, 15:4, pp. 30-33 (In Chinese)Maslow, A. H. (1970), Motivation and Personality. New York: Harper & Row.Mo, W. C. (2007), The Strategies and Existing Problems for Cooperation and Development of Bancassurance. Guangxi: Market Forum. (In Chinese)Neftci, S. N. and M. Yuan (2007), China’s Financial Markets. New York: Elsevier Academic Press.North, D. C. and R. P. Thomas (1973), The Rise of the Western World. Cambridge: Cambridge University Press.Peng, J. Z. (2006), Study on Changing Proverty Rights of National Insurance Enterprise. Shanghai: Sanlian Bookstore. (In Chinese)Postdoctoral Scientific Research Work Station of China Insurance Regulatory Commission (2009), China Insurance Market Development Report 2009. Beijing: China Radio & Television Publishing House. (In Chinese)Qiou, M. H. (2002), An Analysis on China’s Insurance Agency Market. Taipei: Research Division of Taiwan Insurance Institute. (In Chinese)Qiou, Z. H. (2005), “The Present Situation and Challenge of Life Insurance Development in China,” Life Insurance Quarterly, 4, pp. 44-45. (In Chinese)Ren, Y. Y. and X. Y. Xu (2008), “Correlation Between Insurance Development and Economic Growth in China,” Journal of Shandong University, 1, pp. 91-96. (In Chinese)Saunders, M. (2004), “China: Review of China’s Life Insurance Market,” Asia Insurance Review, 1, pp. 1-2.Skipper, H. D. (1996), International Risk & Insurance: An Environmental-Managerial Approach. New York: McGraw-Hill.Sun, Q. X. and X. D. Yu (2007), China’s Insurance Industry During Institutional Changes. Beijing: Beijing University Press. (In Chinese)Swiss Re (2009), “World Insurance in 2008: Life Premiums Fall in the Industrialized Countries,” Sigma , 3, pp. 1-44.Swiss Re (2006), “Getting Together: Globals Take the Lead in Life Insurance M&A,” Sigma, 1, pp. 1-36.Tan, Y. P. (2008), “Present Situation and International Comparism of Bank Insurance,” China Statistics, 6, pp. 60-61. (In Chinese) Tsung, C. H. (2007), “The Comparative Study of Bank Insurance Between Taiwan and China,” Executive Master’s Program of Business Administration in Insurance Management, Tamkang University. (In Chinese)Tuo, G. C. and J. S. Chu (2006), “Review and Prospect of China’s Insrurance Industry During 15-Years-Period,” Journal of Henan Institute of Financial Management, 1, pp. 52-53. (In Chinese)Walker, P. (2006), “McKinsey & Company’s Newly Research Report on China Insurance Industry, Part I,” Insurance Studies, 1, pp. 1-42. (In Chinese)Wang, Y. C. (2006), China Insurance Market Research. Beijing: China Economic Publishing House. (In Chinese)Wei, H. L. and Y. Guo (1999) Liberalization and Supervision of China’s Insurance Market. Beijing: China Finance Publisher. (In Chinese)Xu, W. H. (2005), Transition Study of China’s Insurance Market. Shanghai: Press of Social Science Institute. (In Chinese) zh_TW
