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題名 銀行與保險業整合之風險、獲利分析－模擬研究
作者 王為倩
Wang, Wei-Chien
貢獻者 蔡政憲
王為倩
Wang, Wei-Chien
關鍵詞 金融整合
銀行
保險
風險、獲利
模擬
日期 1999
上傳時間 31-Mar-2016 16:37:32 (UTC+8)
摘要 為促進金融效率之提升及維持產業之競爭力，金融服務業之整合已成為全球性的風潮。具體言之，金融整合可藉由彼此業務間之替代性與關聯性、相同之配銷系統甚至資金之流通運用等有利因素，進而滿足消費者多樣化之需求。在歐美國家，金融業整合之模式主要為銀行保險(Bancassurance)及綜合銀行(Universal Bank)，我國則以金融集團之形式同時經營銀行、保險、証券等非銀行業務。本文即以財務之觀點探討銀行與壽險或產險、壽險與產險業之結合是否可得風險分散或獲利提高之效果。
參考文獻 中文部份
仝澤蓉、葉慧心，「銀行跨足保險時勢所趨」，經濟日報，民國87年11月9日
李幼蓮，我國銀行業兼營保險未來趨勢之研究，政治大學保險研究所碩士論文，民國85年7月
林建智，「論保險業之營業範圍」，保險專刊，第54輯 p120-142，民國87年12月
林盟城，「保險業與銀行業策略聯盟之趨勢分析」，保險資訊 第153期 p18-31，民國87年5月
陳峻進，英美銀行業經營保險業務趨勢之研究，政治大學保險研究所碩士論文，民國80年1月
許碩芬、王俊豪，「金融業務範圍自由化與保險業因應對策之探討」，保險專刊 第54輯 p91-104，民國87年12月
孫惠瑛譯，「歐美地區保險經營概況」，保險資訊 第90期 p21-28，民國82年2月
潘志奇，「美國之金融改革問題」，貨幣金融月刊 第9卷 p2-5，民國79年
鄭濟世，「我國保險業未來發展趨勢與保險革新」，保險專刊 第53輯p7-24，民國87年9月
鄭榮治，「國內壽險業設立經營關連事業之芻議」，保險專刊 第48輯p48-59，民國86年6月
梁正德，「歐洲銀行與保險業的新關係」，保險資訊 第78期p22-30，民國81年2月
謝坤民，「銀行業兼營保險業務之探討」，保險資訊 第161期 p18-24，民國88年元月
英文部份
Benston G.J.,1994."Universal Banking". Journal of Economic Perspectives 8(summer).p121-143.
Berger A.N., Demsetz R.S., Strahan P.E.,1999. "The consolidation of the financial services industry : Causes,consequences,and implications for the future." Journal of Banking and Finance 23 p135-194.
Boyd J.H. et al.,1993. "Bank Holding Company Mergers with Nonbank financial Firms : Effects on The Risk of Failure". Journal of Banking and Finance 17 p43-63.
Boyd J.H., Graham S.L.,1988. "The Profitability and Risk Effects of Allowing Bank Holding Companies to Merge With Other financial Firms : A Simulation Study. Federal Reserve Bank of Minneapolis Quarterly Review 12(Spring) p3-20.
Boyd J.H., Graham S.L.,1986. "Risk,Regulation,and Bank Holding Company Expansion into Nonbanking". Federal Reserve Bank of Minneapolis Quarterly Review 10(Spring) p2-17.
Brewer III Elijah,1989. "Relationship Between Bank Holding Company Risk and Nonbank Activity". Journal Economics and Business 41 p337-353.
Brewer III Elijah, Diana Fortier, Christine Pavel, 1988. "Bank risk from nonbank activities". Economic Perspectives by Federal Reserve Bank of Chicago 12(winter) p14-26.
Cadette W.M. "Universal Banking: A U.S. Perspective". Universal Banking. Irwin 1996.p696-715.
Caldwell V.,Duncan D.,1994, "Should Banks be Allowed To Sell Insurance?". LAN Aug.
Eisenbeis R.A.. "Banks and Insurance Activities". Universal Banking. Irwin 1996.p387-412.
Hannan T.H., Berger A.N.,1991. "The rigidity of prices: Evidence from the banking industry." American Economic Review 81,p938-945.
Kwan S.H.,1997. "Securities activities by commercial banking firm`s section 20 subsidiaries: Risk,return, and diversification benefits." Federal Reserve Bank of San Francisco,Oct.1997.
Kwast M.L.,1999. "Bank mergers: What should policymakers do?" Journal of Banking and Finance 23 p629-636.
Kwast M.L.,1989."The impact of underwriting and dealing on bank returns and risks." Journal of Banking and Finance 13 p101-125.
Llewellyn D.T.."Universal Banking and the Public Interest: A British Perspective". Universal Banking. Irwin 1996.p161-204.
MacDonald R.,1985. "Bankers and Insurers : Logical Allies". The Banker Magazine Jan-Feb p11-16.
Meinster D.R., Johnson R.D.,1979. "Bank Holding Company Diversification and The Risk of Capital Impairment". Bell journal of Economics 10(Autumn) p683-694.
Radecki L.J., Wenninger J., Orlow D.k.,1997. "Industry structure: Electronic delivery`s potential effects on retail banking." Journal of Retail Banking Services 19(4) p57-63.
Rhoades S.A.,1998. "The efficiency effects of bank mergers: An overview of case studies of nine mergers ." Journal of Banking and Finance 22 p273-291.
Rosen R.J., Lloyd-Davies P.R., Kwast M.L., Humphrey D.B.,1989. "New banking powers: A portfolio analysis of bank investment in real estate." Journal of Banking and Finance 13 p355-366.
Santomero A.M.,1999. "Bank mergers : What`s a policymaker to do?" Journal of Banking and Finance 23 p637-643.
Santomero A.M.. "Banking and Insurance: A banking Industry Perspective." Financial Management of Life Insurance Companies. Klumer Academic Publishers.1993.
Saunders A.,1999. "Consolidation and universal banking." Journal of Banking and Finance 23 p693-695.
Saunders A.. Financial Institutions Management : A Modern Perspective. IRWIN 1994.
Shafton R.M.,Gabay D.D.,1985. "The Banking Outlook for diversification into Insurance". The Bankers Magazine Jan-Feb.p22-26.
Skipper H.D.,1998. International Risk and Insurance: An Environmental-Managerial Approach. IRWIN McGraw-Hill.
Thakor A.V.,1999. "Information technology and financial services consolidation". Journal of Banking and Finance 23 p697-700.
Wall L.D. et al.,1993. "Deregulation and The Opportunities for Commercial Bank Diversification" Federal Reserve Bank of Atlanta Economic Review p1-25.
Wall L.D.,1987. "Has Banking Holding Companies` Diversification Affected Their Risk of Failure?" Journal of Economics and Business 39 p313-326.
Walter J.R.,1996. "Firewalls" Federal Reserve Bank of Richmond Economic Quarterly 82(Fall) p15-39.
描述 碩士
國立政治大學
風險管理與保險研究所
84358009
資料來源 http://thesis.lib.nccu.edu.tw/record/#A2002002032
資料類型 thesis
dc.contributor.advisor 蔡政憲zh_TW
dc.contributor.author (Authors) 王為倩zh_TW
dc.contributor.author (Authors) Wang, Wei-Chienen_US
dc.creator (作者) 王為倩zh_TW
dc.creator (作者) Wang, Wei-Chienen_US
dc.date (日期) 1999en_US
dc.date.accessioned 31-Mar-2016 16:37:32 (UTC+8)-
dc.date.available 31-Mar-2016 16:37:32 (UTC+8)-
dc.date.issued (上傳時間) 31-Mar-2016 16:37:32 (UTC+8)-
dc.identifier (Other Identifiers) A2002002032en_US
dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/83351-
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) 84358009zh_TW
dc.description.abstract (摘要) 為促進金融效率之提升及維持產業之競爭力，金融服務業之整合已成為全球性的風潮。具體言之，金融整合可藉由彼此業務間之替代性與關聯性、相同之配銷系統甚至資金之流通運用等有利因素，進而滿足消費者多樣化之需求。在歐美國家，金融業整合之模式主要為銀行保險(Bancassurance)及綜合銀行(Universal Bank)，我國則以金融集團之形式同時經營銀行、保險、証券等非銀行業務。本文即以財務之觀點探討銀行與壽險或產險、壽險與產險業之結合是否可得風險分散或獲利提高之效果。zh_TW
dc.description.tableofcontents 封面頁
證明書
致謝詞
論文摘要
目錄
表目錄
圖目錄
第一章 緒論
第一節 研究動機與目的
第二節 研究架構
第二章 文獻回顧
第一節 金融整合之涵義
第二節 金融整合之因素
第三節 金融整合之風險、獲利研究
第三章 研究方法
第一節 風險、獲利模型
第二節 資料與模擬
第四章 模擬結果與分析
第一節 資料說明
第二節 各產業之獲利、風險
第三節 模擬整合之獲利、風險
第五章 結論與建議
第一節 研究結論
第二節 後續研究建議
參考文獻
附表&附圖		zh_TW
dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#A2002002032en_US
dc.subject (關鍵詞) 金融整合zh_TW
dc.subject (關鍵詞) 銀行zh_TW
dc.subject (關鍵詞) 保險zh_TW
dc.subject (關鍵詞) 風險、獲利zh_TW
dc.subject (關鍵詞) 模擬zh_TW
dc.title (題名) 銀行與保險業整合之風險、獲利分析－模擬研究zh_TW
dc.type (資料類型) thesisen_US
dc.relation.reference (參考文獻) 中文部份
仝澤蓉、葉慧心，「銀行跨足保險時勢所趨」，經濟日報，民國87年11月9日
李幼蓮，我國銀行業兼營保險未來趨勢之研究，政治大學保險研究所碩士論文，民國85年7月
林建智，「論保險業之營業範圍」，保險專刊，第54輯 p120-142，民國87年12月
林盟城，「保險業與銀行業策略聯盟之趨勢分析」，保險資訊 第153期 p18-31，民國87年5月
陳峻進，英美銀行業經營保險業務趨勢之研究，政治大學保險研究所碩士論文，民國80年1月
許碩芬、王俊豪，「金融業務範圍自由化與保險業因應對策之探討」，保險專刊 第54輯 p91-104，民國87年12月
孫惠瑛譯，「歐美地區保險經營概況」，保險資訊 第90期 p21-28，民國82年2月
潘志奇，「美國之金融改革問題」，貨幣金融月刊 第9卷 p2-5，民國79年
鄭濟世，「我國保險業未來發展趨勢與保險革新」，保險專刊 第53輯p7-24，民國87年9月
鄭榮治，「國內壽險業設立經營關連事業之芻議」，保險專刊 第48輯p48-59，民國86年6月
梁正德，「歐洲銀行與保險業的新關係」，保險資訊 第78期p22-30，民國81年2月
謝坤民，「銀行業兼營保險業務之探討」，保險資訊 第161期 p18-24，民國88年元月
英文部份
Benston G.J.,1994."Universal Banking". Journal of Economic Perspectives 8(summer).p121-143.
Berger A.N., Demsetz R.S., Strahan P.E.,1999. "The consolidation of the financial services industry : Causes,consequences,and implications for the future." Journal of Banking and Finance 23 p135-194.
Boyd J.H. et al.,1993. "Bank Holding Company Mergers with Nonbank financial Firms : Effects on The Risk of Failure". Journal of Banking and Finance 17 p43-63.
Boyd J.H., Graham S.L.,1988. "The Profitability and Risk Effects of Allowing Bank Holding Companies to Merge With Other financial Firms : A Simulation Study. Federal Reserve Bank of Minneapolis Quarterly Review 12(Spring) p3-20.
Boyd J.H., Graham S.L.,1986. "Risk,Regulation,and Bank Holding Company Expansion into Nonbanking". Federal Reserve Bank of Minneapolis Quarterly Review 10(Spring) p2-17.
Brewer III Elijah,1989. "Relationship Between Bank Holding Company Risk and Nonbank Activity". Journal Economics and Business 41 p337-353.
Brewer III Elijah, Diana Fortier, Christine Pavel, 1988. "Bank risk from nonbank activities". Economic Perspectives by Federal Reserve Bank of Chicago 12(winter) p14-26.
Cadette W.M. "Universal Banking: A U.S. Perspective". Universal Banking. Irwin 1996.p696-715.
Caldwell V.,Duncan D.,1994, "Should Banks be Allowed To Sell Insurance?". LAN Aug.
Eisenbeis R.A.. "Banks and Insurance Activities". Universal Banking. Irwin 1996.p387-412.
Hannan T.H., Berger A.N.,1991. "The rigidity of prices: Evidence from the banking industry." American Economic Review 81,p938-945.
Kwan S.H.,1997. "Securities activities by commercial banking firm`s section 20 subsidiaries: Risk,return, and diversification benefits." Federal Reserve Bank of San Francisco,Oct.1997.
Kwast M.L.,1999. "Bank mergers: What should policymakers do?" Journal of Banking and Finance 23 p629-636.
Kwast M.L.,1989."The impact of underwriting and dealing on bank returns and risks." Journal of Banking and Finance 13 p101-125.
Llewellyn D.T.."Universal Banking and the Public Interest: A British Perspective". Universal Banking. Irwin 1996.p161-204.
MacDonald R.,1985. "Bankers and Insurers : Logical Allies". The Banker Magazine Jan-Feb p11-16.
Meinster D.R., Johnson R.D.,1979. "Bank Holding Company Diversification and The Risk of Capital Impairment". Bell journal of Economics 10(Autumn) p683-694.
Radecki L.J., Wenninger J., Orlow D.k.,1997. "Industry structure: Electronic delivery`s potential effects on retail banking." Journal of Retail Banking Services 19(4) p57-63.
Rhoades S.A.,1998. "The efficiency effects of bank mergers: An overview of case studies of nine mergers ." Journal of Banking and Finance 22 p273-291.
Rosen R.J., Lloyd-Davies P.R., Kwast M.L., Humphrey D.B.,1989. "New banking powers: A portfolio analysis of bank investment in real estate." Journal of Banking and Finance 13 p355-366.
Santomero A.M.,1999. "Bank mergers : What`s a policymaker to do?" Journal of Banking and Finance 23 p637-643.
Santomero A.M.. "Banking and Insurance: A banking Industry Perspective." Financial Management of Life Insurance Companies. Klumer Academic Publishers.1993.
Saunders A.,1999. "Consolidation and universal banking." Journal of Banking and Finance 23 p693-695.
Saunders A.. Financial Institutions Management : A Modern Perspective. IRWIN 1994.
Shafton R.M.,Gabay D.D.,1985. "The Banking Outlook for diversification into Insurance". The Bankers Magazine Jan-Feb.p22-26.
Skipper H.D.,1998. International Risk and Insurance: An Environmental-Managerial Approach. IRWIN McGraw-Hill.
Thakor A.V.,1999. "Information technology and financial services consolidation". Journal of Banking and Finance 23 p697-700.
Wall L.D. et al.,1993. "Deregulation and The Opportunities for Commercial Bank Diversification" Federal Reserve Bank of Atlanta Economic Review p1-25.
Wall L.D.,1987. "Has Banking Holding Companies` Diversification Affected Their Risk of Failure?" Journal of Economics and Business 39 p313-326.
Walter J.R.,1996. "Firewalls" Federal Reserve Bank of Richmond Economic Quarterly 82(Fall) p15-39.		zh_TW