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題名 台灣產險市場費率自由化下之市場競爭研究
A staudy of under deregulation, market competition of Taiwan non-life insurance作者 廖士傑
Jeff Liao貢獻者 張士傑
Bill Chang
廖士傑
Jeff Liao關鍵詞 費率自由化
市場競爭
合併
保險經紀人
deregulation
market competition
mergers
insurance brokers日期 2009 上傳時間 5-Sep-2013 13:57:27 (UTC+8) 摘要 我國在2002年正式成為WTO 之成員，為開放保險市場與國際金融保險市場接軌，同年我國開始實施三階段的產險市場費率自由化。然而，費率自由化實施，市場競爭更甚以往，時有所聞產險業者的惡性價格競爭與保險經紀人影響商業保險市場價格。而本文以「台灣產險市場費率自由化下之市場競爭研究」為題，試圖瞭解我國產險公司在市場激烈競爭下卻未如國外市場(例如日本)大規模進行同業合併以降低營運成本，壯大經營規模以增加競爭力的原因，並分析保險經紀人如何影響市場價格造成市場競爭加劇的原因與實務上保險經紀人對商業保險安排承保能量架構的費率操作說明；最後就現行相關監理法條之可行改進方案做一建議與結論，希望對國內產險業有所助益。
In 2002, Taiwan became a member of the World Trade Organization. In keeping with the spirit of this organization the government has devoted itself to building an open financial and insurance market which implemented deregulation of non-life insurance rates by three phases in the same year.Under deregulation, the rates reduction of Non-life insurance creates more competition within the industry; we often hear that non-life insurers do destructive competition and non-life insurance brokers influence commercial insurance market price deeply.The title of this paper “A study of under deregulation, market competition of Taiwan non-life insurance” is aimed to understand the reason why under deregulation, there is no series of mergers or alliances among Taiwan non-life insurance industry for reducing cost, enlarging scale to enhance competitiveness like those taking place overseas such as Japan. This thesis also analyzed how non-life insurance brokers use influence on market premium rates which caused market competition even severely and illustrated non-life insurance brokers using capacities to control commercial property insurance rates by practice experiences. Lastly, conclusive remarks and recommendations are made to the related regulation. Hopefully these suggestions would be helpful to the industry.參考文獻 1. 簡仲明、陳心虹，「產險市場，仍有發展空間」，保發中心專欄文章，2004 年11 月2. 吳欣樺，「台灣產物保險業費率自由化、市場競爭與核保績效」，2008年3. 胡育寧，「台灣產物保險公司併購、市場結構與經營績效」，2008 年4. 林玉霞，「台灣上市公司代理問題、公司治理與股東價值之研究」，2002年5. 廖秀梅，「董事會結構特性與公司績效關係之研究─探討台灣家族控制企業因素的影響」，2004 年6. 陳伯燿，「汽車保險市場費率自由化規範之研究」，2005 年7. 張士傑，「保險市場造市者必須履行之忠誠義務原則」，風險與保險雜誌，2007 年4 月8. 吳明洋，「由國內產險經營概況及問題點談產險經營理念」，2004 年9. 保險事業發展中心，中華民國九十七年產物保險統計要覽，2009 年6 月，保險事業發展中心出版10. 保險事業發展中心，中華民國九十七年保險年鑑，2009 年6 月，保險事業發展中心出版11. 張士傑、蔡政憲，「從學術理論到監理實務」，2009 年6 月，保險事業發展中心出版12. Cummins J.D. and Xie X., “Efficiency and Value Creation in Acquisitions and Divestiture: Evidence from the U.S. Property-Liability Insurance Industry,”University of Pennsylvania, 2006.13. Klein, R. W. 1999. A regulator’s introduction to the insurance industry. National Association of Insurance Commissioners Publications Department, the UnitedStates of America.14. Michael E. Porter. 1980 周旭華 譯, 競爭策略-產業環境及競爭者分析,天下文化出版15. Jensen, M.C., and W.H. Meckling, 1976, “Theory of the firm ：Managerialbehavior, agency cost and ownership structure,” Journal of FinanceEconomics, 3,16. Jensen, M.C., and R. Ruback, 1983, “The market for corporate control：The scientific evidence,” Journal of Financial Economics, 11, 5-50.17. La Porta, R., F. Lopez-de-Silanes, and A. Shleifer, 1999, “Corporate Ownership around the World, “ Journal of Finance, 54, 471-517.18. Claessens, S., S. Djankov, J. Fan, and L. H. P. Lang, 2000, “The Separation of Ownership and control in East Asian Corporation,” Journal of Financial Economics, 58, 81-112.19. I3Rm4h3po‐ali3dc6ae3tsi. o nSs.A .a, nd1 9S8o5m, e“ MEvairdkeentc eS,”h aJoreu rnaasl oaf EScoounrocme icos f anMda rBkuesti nePsos,w 3e7r:,20. Claessens, S., S. Djankov, J. Fan, and L. H. P. Lang, 1999b, “Expropriation on minority shareholders：Evidence from East Asia,” Policy research workingpaper 2088, The World Bank.21. Nissan E., 1996, “Concentration in American Property‐Casualty Companies,” Journal of Actuarial Practice, 4, 131‐14222. The General Insurance Association of Japan, Fact Book 2008-2009 GeneralInsurance In Japan, 2-323. General Insurance Association of Korea, Korea Non-Life Insurance Annual Report Fact Book 2009, 12-1724. MS&AD Holdings, News Release, 2009.09.30 – 2010.04.01 描述 碩士
國立政治大學
經營管理碩士學程(EMBA)
94932235
98資料來源 http://thesis.lib.nccu.edu.tw/record/#G0094932235 資料類型 thesis dc.contributor.advisor 張士傑 zh_TW dc.contributor.advisor Bill Chang en_US dc.contributor.author (Authors) 廖士傑 zh_TW dc.contributor.author (Authors) Jeff Liao en_US dc.creator (作者) 廖士傑 zh_TW dc.creator (作者) Jeff Liao en_US dc.date (日期) 2009 en_US dc.date.accessioned 5-Sep-2013 13:57:27 (UTC+8) - dc.date.available 5-Sep-2013 13:57:27 (UTC+8) - dc.date.issued (上傳時間) 5-Sep-2013 13:57:27 (UTC+8) - dc.identifier (Other Identifiers) G0094932235 en_US dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/60276 - dc.description (描述) 碩士 zh_TW dc.description (描述) 國立政治大學 zh_TW dc.description (描述) 經營管理碩士學程(EMBA) zh_TW dc.description (描述) 94932235 zh_TW dc.description (描述) 98 zh_TW dc.description.abstract (摘要) 我國在2002年正式成為WTO 之成員，為開放保險市場與國際金融保險市場接軌，同年我國開始實施三階段的產險市場費率自由化。然而，費率自由化實施，市場競爭更甚以往，時有所聞產險業者的惡性價格競爭與保險經紀人影響商業保險市場價格。而本文以「台灣產險市場費率自由化下之市場競爭研究」為題，試圖瞭解我國產險公司在市場激烈競爭下卻未如國外市場(例如日本)大規模進行同業合併以降低營運成本，壯大經營規模以增加競爭力的原因，並分析保險經紀人如何影響市場價格造成市場競爭加劇的原因與實務上保險經紀人對商業保險安排承保能量架構的費率操作說明；最後就現行相關監理法條之可行改進方案做一建議與結論，希望對國內產險業有所助益。 zh_TW dc.description.abstract (摘要) In 2002, Taiwan became a member of the World Trade Organization. In keeping with the spirit of this organization the government has devoted itself to building an open financial and insurance market which implemented deregulation of non-life insurance rates by three phases in the same year.Under deregulation, the rates reduction of Non-life insurance creates more competition within the industry; we often hear that non-life insurers do destructive competition and non-life insurance brokers influence commercial insurance market price deeply.The title of this paper “A study of under deregulation, market competition of Taiwan non-life insurance” is aimed to understand the reason why under deregulation, there is no series of mergers or alliances among Taiwan non-life insurance industry for reducing cost, enlarging scale to enhance competitiveness like those taking place overseas such as Japan. This thesis also analyzed how non-life insurance brokers use influence on market premium rates which caused market competition even severely and illustrated non-life insurance brokers using capacities to control commercial property insurance rates by practice experiences. Lastly, conclusive remarks and recommendations are made to the related regulation. Hopefully these suggestions would be helpful to the industry. en_US dc.description.tableofcontents 第一章 緒論 61.1 研究動機與目的 61.2 研究方法 7第二章 文獻探討 82.1 競爭策略（競爭市場與策略擬定） 82.2 併購（併購與績效提升） 112.3 核心代理問題 12第三章 台灣產物保險業家數對市場的影響 143.1 近十年國內財產保險公司經營概況 143.2 由股權結構分析國內產險公司未大規模合併的原因 203.3 國外產物保險公司的合併歷程介紹，以日本為例….. 23第四章 保險經紀人對市場價格的影響 284.1 保險經紀人具有雙重身分所引發的問題 314.2 影響價格 324.3 國內商業火險的再保險案例分析 36第五章 結論與建議 405.1 結論 405.2 建議 41附錄 …………………………………………………………………....44附錄1 保險業辦理再保險分出分入及其他危險分散機制管理辦法 44附錄2 保險經紀人執業道德規範暨自律公約 52參考文獻 56表 目 錄表3-1 最近十年國內產、壽險業保費收入規模及成長率比較表 14表3-2 國內產險業近十年各險別簽單保費收入變化 15表3-3 14家本國產險公司近十年自留保費相關指標 17表3-4 一般股份公司類型之產險公司股權分析表 20表3-5 日本產險公司合併與聯盟事紀 22表4-1 保險經紀人提供服務範圍表 26表4-2 商業火險再保險安排架構圖1 36表4-3 商業火險再保險安排架構圖2 37圖 目 錄圖3-1 一般股份公司類型之產險公司股權分析圖 20圖3-2 MS&AD保險集團結構圖 25 zh_TW dc.format.extent 698392 bytes - dc.format.mimetype application/pdf - dc.language.iso en_US - dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0094932235 en_US dc.subject (關鍵詞) 費率自由化 zh_TW dc.subject (關鍵詞) 市場競爭 zh_TW dc.subject (關鍵詞) 合併 zh_TW dc.subject (關鍵詞) 保險經紀人 zh_TW dc.subject (關鍵詞) deregulation en_US dc.subject (關鍵詞) market competition en_US dc.subject (關鍵詞) mergers en_US dc.subject (關鍵詞) insurance brokers en_US dc.title (題名) 台灣產險市場費率自由化下之市場競爭研究 zh_TW dc.title (題名) A staudy of under deregulation, market competition of Taiwan non-life insurance en_US dc.type (資料類型) thesis en dc.relation.reference (參考文獻) 1. 簡仲明、陳心虹，「產險市場，仍有發展空間」，保發中心專欄文章，2004 年11 月2. 吳欣樺，「台灣產物保險業費率自由化、市場競爭與核保績效」，2008年3. 胡育寧，「台灣產物保險公司併購、市場結構與經營績效」，2008 年4. 林玉霞，「台灣上市公司代理問題、公司治理與股東價值之研究」，2002年5. 廖秀梅，「董事會結構特性與公司績效關係之研究─探討台灣家族控制企業因素的影響」，2004 年6. 陳伯燿，「汽車保險市場費率自由化規範之研究」，2005 年7. 張士傑，「保險市場造市者必須履行之忠誠義務原則」，風險與保險雜誌，2007 年4 月8. 吳明洋，「由國內產險經營概況及問題點談產險經營理念」，2004 年9. 保險事業發展中心，中華民國九十七年產物保險統計要覽，2009 年6 月，保險事業發展中心出版10. 保險事業發展中心，中華民國九十七年保險年鑑，2009 年6 月，保險事業發展中心出版11. 張士傑、蔡政憲，「從學術理論到監理實務」，2009 年6 月，保險事業發展中心出版12. Cummins J.D. and Xie X., “Efficiency and Value Creation in Acquisitions and Divestiture: Evidence from the U.S. Property-Liability Insurance Industry,”University of Pennsylvania, 2006.13. Klein, R. W. 1999. A regulator’s introduction to the insurance industry. National Association of Insurance Commissioners Publications Department, the UnitedStates of America.14. Michael E. Porter. 1980 周旭華 譯, 競爭策略-產業環境及競爭者分析,天下文化出版15. Jensen, M.C., and W.H. Meckling, 1976, “Theory of the firm ：Managerialbehavior, agency cost and ownership structure,” Journal of FinanceEconomics, 3,16. Jensen, M.C., and R. Ruback, 1983, “The market for corporate control：The scientific evidence,” Journal of Financial Economics, 11, 5-50.17. La Porta, R., F. Lopez-de-Silanes, and A. Shleifer, 1999, “Corporate Ownership around the World, “ Journal of Finance, 54, 471-517.18. Claessens, S., S. Djankov, J. Fan, and L. H. P. Lang, 2000, “The Separation of Ownership and control in East Asian Corporation,” Journal of Financial Economics, 58, 81-112.19. I3Rm4h3po‐ali3dc6ae3tsi. o nSs.A .a, nd1 9S8o5m, e“ MEvairdkeentc eS,”h aJoreu rnaasl oaf EScoounrocme icos f anMda rBkuesti nePsos,w 3e7r:,20. Claessens, S., S. Djankov, J. Fan, and L. H. P. Lang, 1999b, “Expropriation on minority shareholders：Evidence from East Asia,” Policy research workingpaper 2088, The World Bank.21. Nissan E., 1996, “Concentration in American Property‐Casualty Companies,” Journal of Actuarial Practice, 4, 131‐14222. The General Insurance Association of Japan, Fact Book 2008-2009 GeneralInsurance In Japan, 2-323. General Insurance Association of Korea, Korea Non-Life Insurance Annual Report Fact Book 2009, 12-1724. MS&AD Holdings, News Release, 2009.09.30 – 2010.04.01 zh_TW
