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題名 銀行保險對壽險業經營績效之影響
The Impact of Bancassurance on the Performance of Life Insurance Companies in Taiwan作者 劉庭禎
Liou, Ting Jen貢獻者 陳彩稚
Chen, Tsai Jyh
劉庭禎
Liou, Ting Jen關鍵詞 銀行保險
經營績效日期 2013 上傳時間 3-三月-2014 15:29:04 (UTC+8) 摘要 銀行保險發展迅速，已超越傳統業務員通路，成為目前我國壽險市場最大的行銷通路。本研究欲探討保險公司涉入銀行保險程度，對於其經營績效是否有影響。換言之，當保險公司的行銷通路主力變為銀行保險後，是否對其收入及成本有正面的效果，並且有助提升整體經營績效。本研究以2007年到2012年我國壽險公司資料為樣本，選取共六項經營績效及服務品質指標進行研究。首先依壽險公司涉入銀行保險程度深淺進行分組，進行獨立樣本t檢定。研究結果顯示銀行保險涉入程度較深的壽險公司，其在財務面及業務面的績效指標有較佳的表現，但在服務品質的指標則表現較差。接著利用複迴歸方式，實證結果發現銀行保險有助於降低新契約費用率，並對於保險公司的財務面及業務面績效指標，例如資產報酬率、初年度保費收入、總保費市占率等有顯著正相關，但對於服務品質指標，例如保單繼續率，則有顯著負相關。綜上所述，壽險業涉入銀行保險越深時，能提升其財務面及業務面績效，但在服務品質方面則沒有明顯的提升效果。 參考文獻 一、 中文資料1. 王寸九(2003)，人壽保險業經營銀行保險之研究，政治大學風險管理與保險學研究所碩士論文。2. 王儷玲、彭金隆、張義宏(2006)，我國壽險業銀行保險業務參與度與經營效率分析，臺大管理論叢，17卷1期，59-90頁。3. 王倩(2007)，我國銀行保險的合作及發展，金融與保險，13-14頁。4. 何艷宏(1996)，在開放政策下我國壽險公司經營效率之評估，壽險季刊，第101期，57-69頁。5. 肖志光(2008)，保險公司集團化對經營績效影響的實證研究，北大賽瑟(CCISSR)論壇文集。6. 沈筱玲、林書賢(2002)，國內壽險業經營績效評估，當代保險金融整合趨勢學術研討會論文集，德明技術學院。7. 吳子璦(2011)，我國壽險公司銀行保險通路之集中度經營策略分析，國立政治大學風險管理與保險研究所碩士論文。8. 林建智，彭金隆，吳佳寧(2009)，我國銀行保險業務監理架構之探討，台灣金融財務季刊，第 10 輯第四期，135-153頁。9. 邱柏松，蔡博清(2007)，壽險通路發展策略研究，壽險管理，第20期，181-209頁。10. 胡浩(2006)，銀行保險，中國金融出版社，第一版。11. 洪辛金(2007)，銀行保險對壽險業績效影響之研究，中興大學企業管理研究所碩士論文。12. 凌氤寶(1999)，保險業跨業經營之研究，財團法人保險事業發展中心。13. 徐中琦，許志忠(2010)，台灣壽險業經營效率之研究—資料包絡分析法之應用，台灣銀行季刊，第62卷，第2期，42-67頁。14. 徐順成(2005)，銀行保險對壽險業經營績效之研究，台北大學國際財務金融碩士所碩士論文。15. 郝充仁、周林毅(2003)，台灣地區人壽保險業經營績效因素分析之研究，保險專刊，19卷1期，75-105頁。16. 許雅婷(2013)，我國壽險業申訴率之研究，實踐大學財務金融學系碩士班論文。17. 陳心虹(2005)，銀行保險效益，三贏，保險專業研究，財團法人保險事業發展中心。18. 陳澤義、陳啟斌(2006)，企業診斷與績效評估：平衡計分卡之運用，第一版，華泰文化事業公司出版。19. 張子欣(2007)，我國保險經紀人代理人公司特性與經營績效之研究，實踐大學企業管理研究所碩士論文。20. 張義宏(2005)，銀行保險對我國人壽保險公司經營效率之影響分析，政治大學會計學研究所碩士論文。21. 淦其傳、胡三明(2007)，我國壽險業經營效率與銀行保險的貢獻分析，財經科學，總234期。22. 彭金隆(2012)，銀行保險業務個人資料保護之法律遵循風險分析，風險管理學報，14卷1期。23. 趙茂良(2004)，財產保險業從事『銀行保險』業務作業平台設立之研究，國立政治大學經營管理碩士學程碩士論文。24. 劉瑞梅(2007)，銀行保險對壽險業經營績效之研究 ─ 以金控子壽險公司為例，佛光大學管理學研究所碩士論文。25. 賴惠瑛(2000)，論我國銀行保險兼營保險業務之策略分析-以金融控股公司之經營模式為例，淡江大學國貿學系碩士論文。26. 魏華林、楊霞(2007)，銀行保險的經濟學分析，金融與保險，5-12頁。二、 外文資料Artikis, P. 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國立政治大學
風險管理與保險研究所
97358025
102資料來源 http://thesis.lib.nccu.edu.tw/record/#G0097358025 資料類型 thesis dc.contributor.advisor 陳彩稚 zh_TW dc.contributor.advisor Chen, Tsai Jyh en_US dc.contributor.author (作者) 劉庭禎 zh_TW dc.contributor.author (作者) Liou, Ting Jen en_US dc.creator (作者) 劉庭禎 zh_TW dc.creator (作者) Liou, Ting Jen en_US dc.date (日期) 2013 en_US dc.date.accessioned 3-三月-2014 15:29:04 (UTC+8) - dc.date.available 3-三月-2014 15:29:04 (UTC+8) - dc.date.issued (上傳時間) 3-三月-2014 15:29:04 (UTC+8) - dc.identifier (其他 識別碼) G0097358025 en_US dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/64310 - dc.description (描述) 碩士 zh_TW dc.description (描述) 國立政治大學 zh_TW dc.description (描述) 風險管理與保險研究所 zh_TW dc.description (描述) 97358025 zh_TW dc.description (描述) 102 zh_TW dc.description.abstract (摘要) 銀行保險發展迅速，已超越傳統業務員通路，成為目前我國壽險市場最大的行銷通路。本研究欲探討保險公司涉入銀行保險程度，對於其經營績效是否有影響。換言之，當保險公司的行銷通路主力變為銀行保險後，是否對其收入及成本有正面的效果，並且有助提升整體經營績效。本研究以2007年到2012年我國壽險公司資料為樣本，選取共六項經營績效及服務品質指標進行研究。首先依壽險公司涉入銀行保險程度深淺進行分組，進行獨立樣本t檢定。研究結果顯示銀行保險涉入程度較深的壽險公司，其在財務面及業務面的績效指標有較佳的表現，但在服務品質的指標則表現較差。接著利用複迴歸方式，實證結果發現銀行保險有助於降低新契約費用率，並對於保險公司的財務面及業務面績效指標，例如資產報酬率、初年度保費收入、總保費市占率等有顯著正相關，但對於服務品質指標，例如保單繼續率，則有顯著負相關。綜上所述，壽險業涉入銀行保險越深時，能提升其財務面及業務面績效，但在服務品質方面則沒有明顯的提升效果。 zh_TW dc.description.tableofcontents 謝誌 II摘要 III表目錄 VI圖目錄 VI第一章 緒論 1第一節 研究背景及動機 1第二節 研究流程架構 4第二章 文獻探討 6第一節 銀行保險之定義 6第二節 銀行保險經營架構 9第三節 銀行保險的利弊 19第四節 銀行保險與保險業經營績效 22第三章 研究方法 29第一節 研究假設 29第二節 研究樣本 31第三節 研究方法 32第四節 研究變數說明 34第四章 實證研究分析 37第一節 敘述性統計分析 37第二節 T檢定 40第三節 相關係數分析 42第四節 迴歸分析結果 44第五章 結論與建議 56參考文獻 58 zh_TW dc.format.extent 4856917 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/#G0097358025 en_US dc.subject (關鍵詞) 銀行保險 zh_TW dc.subject (關鍵詞) 經營績效 zh_TW dc.title (題名) 銀行保險對壽險業經營績效之影響 zh_TW dc.title (題名) The Impact of Bancassurance on the Performance of Life Insurance Companies in Taiwan en_US dc.type (資料類型) thesis en dc.relation.reference (參考文獻) 一、 中文資料1. 王寸九(2003)，人壽保險業經營銀行保險之研究，政治大學風險管理與保險學研究所碩士論文。2. 王儷玲、彭金隆、張義宏(2006)，我國壽險業銀行保險業務參與度與經營效率分析，臺大管理論叢，17卷1期，59-90頁。3. 王倩(2007)，我國銀行保險的合作及發展，金融與保險，13-14頁。4. 何艷宏(1996)，在開放政策下我國壽險公司經營效率之評估，壽險季刊，第101期，57-69頁。5. 肖志光(2008)，保險公司集團化對經營績效影響的實證研究，北大賽瑟(CCISSR)論壇文集。6. 沈筱玲、林書賢(2002)，國內壽險業經營績效評估，當代保險金融整合趨勢學術研討會論文集，德明技術學院。7. 吳子璦(2011)，我國壽險公司銀行保險通路之集中度經營策略分析，國立政治大學風險管理與保險研究所碩士論文。8. 林建智，彭金隆，吳佳寧(2009)，我國銀行保險業務監理架構之探討，台灣金融財務季刊，第 10 輯第四期，135-153頁。9. 邱柏松，蔡博清(2007)，壽險通路發展策略研究，壽險管理，第20期，181-209頁。10. 胡浩(2006)，銀行保險，中國金融出版社，第一版。11. 洪辛金(2007)，銀行保險對壽險業績效影響之研究，中興大學企業管理研究所碩士論文。12. 凌氤寶(1999)，保險業跨業經營之研究，財團法人保險事業發展中心。13. 徐中琦，許志忠(2010)，台灣壽險業經營效率之研究—資料包絡分析法之應用，台灣銀行季刊，第62卷，第2期，42-67頁。14. 徐順成(2005)，銀行保險對壽險業經營績效之研究，台北大學國際財務金融碩士所碩士論文。15. 郝充仁、周林毅(2003)，台灣地區人壽保險業經營績效因素分析之研究，保險專刊，19卷1期，75-105頁。16. 許雅婷(2013)，我國壽險業申訴率之研究，實踐大學財務金融學系碩士班論文。17. 陳心虹(2005)，銀行保險效益，三贏，保險專業研究，財團法人保險事業發展中心。18. 陳澤義、陳啟斌(2006)，企業診斷與績效評估：平衡計分卡之運用，第一版，華泰文化事業公司出版。19. 張子欣(2007)，我國保險經紀人代理人公司特性與經營績效之研究，實踐大學企業管理研究所碩士論文。20. 張義宏(2005)，銀行保險對我國人壽保險公司經營效率之影響分析，政治大學會計學研究所碩士論文。21. 淦其傳、胡三明(2007)，我國壽險業經營效率與銀行保險的貢獻分析，財經科學，總234期。22. 彭金隆(2012)，銀行保險業務個人資料保護之法律遵循風險分析，風險管理學報，14卷1期。23. 趙茂良(2004)，財產保險業從事『銀行保險』業務作業平台設立之研究，國立政治大學經營管理碩士學程碩士論文。24. 劉瑞梅(2007)，銀行保險對壽險業經營績效之研究 ─ 以金控子壽險公司為例，佛光大學管理學研究所碩士論文。25. 賴惠瑛(2000)，論我國銀行保險兼營保險業務之策略分析-以金融控股公司之經營模式為例，淡江大學國貿學系碩士論文。26. 魏華林、楊霞(2007)，銀行保險的經濟學分析，金融與保險，5-12頁。二、 外文資料Artikis, P. 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