English  |  正體中文  |  简体中文  |  Post-Print筆數 : 27 |  Items with full text/Total items : 113648/144635 (79%)
Visitors : 51671262      Online Users : 95
RC Version 6.0 © Powered By DSPACE, MIT. Enhanced by NTU Library IR team.
Scope Tips:
  • please add "double quotation mark" for query phrases to get precise results
  • please goto advance search for comprehansive author search
    •  Adv. Search
    Home ‧ Login ‧ Upload ‧ Help ‧ About ‧ Administer Goto mobile version


    Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/53896


    Title: 銀行保險行銷通路監理之研究
    Authors: 王儷玲;彭金隆
    Contributors: 國立政治大學風險管理與保險學系
    行政院金融監督管理委員會保險局
    Keywords: 銀行保險;監理;通路
    Date: 2010
    Issue Date: 2012-10-22 15:44:43 (UTC+8)
    Abstract: 我國銀行保險業務已於2009年正式超越傳統業務通路，成為保險公司的首要業務通路來源，至2010年上半年壽險新契約保費收入已超過60％以上的市佔率。銀保市場的快速蓬勃發展，不只在實務面上有問題，包含了產品集中度過高、專業人才缺乏、新個資法的實施與銀保業務隸屬於財富管理之下的定位問題…等等；在監理面上也衍生出了包含佣金規範、複雜的經營模式架構、法源不足、銀行與保險公司的權責劃分…等問題。本研究報告先簡述台灣銀行保險市場的業務、經營模式與法規現況，並透過實務座談會，分析現行的實務與監理問題；並參考中國大陸、香港、新加坡、日本、韓國等鄰近國家相關銀行保險監理經驗，針對銀行保險業務經營與業務行為提出適合我國銀行保險市場的監理建議，建議包含：一、以漸進雙軌方式建立權責相符銀行保險經營架構，二、整合銀行保險監理規範為單一架構，三、開放銀行兼營保險經紀人或保險代理人以解決個資法之適用問題，四、以風險管理機制與商品設計解決過度集中銷售利變商品之風險，五、透過監理規範解決銀行銷售保險商品種類過度集中現象，六、以導正販售長期儲蓄理財與保障型保險商品取代訂定佣金上限，七、透過具專業公信力之外部金融訓練機構行提昇保險業務專業素質，八、銀行可依發展策略選擇合作對象與模式；最後並針對銀行保險相關規定研擬建議修正條文。
    The amount of bancassurance business has already officially overtaken
    the amount of traditional insurance business in 2009 in Taiwan. The
    bancassurance has become the primary business place of insurance
    companies. Until the first half of the year 2010, 60% of life insurance new
    contract premium revenue comes from bancassurance. The flourish
    development of bank insurance market not only face a problem from
    operational side, but also the problems from the highly intensive products, the
    lack of professional, the operation of new personal information privacy law, and
    the position problem of bancassurance under finance management. Moreover,
    there are still some problems when it comes to the supervision side, such as
    the problem of commission regulation, complex structure of operation model,
    lack of regulations, and the division of responsibilities between banks and
    insurance companies.
    Relation: 基礎研究
    委託研究
    研究期間:9906~ 9912
    研究經費:482仟元
    GRB 計畫編號：PG9906-0185
    Data Type: report
    Appears in Collections:[風險管理與保險學系] 研究報告

    Files in This Item:

    File Description SizeFormat
    RRPG9906-0185-2609662.pdf6915KbAdobe PDF2904View/Open


    All items in 政大典藏 are protected by copyright, with all rights reserved.


    社群 sharing

    著作權政策宣告 Copyright Announcement
    1.本網站之數位內容為國立政治大學所收錄之機構典藏，無償提供學術研究與公眾教育等公益性使用，惟仍請適度，合理使用本網站之內容，以尊重著作權人之權益。商業上之利用，則請先取得著作權人之授權。
    The digital content of this website is part of National Chengchi University Institutional Repository. It provides free access to academic research and public education for non-commercial use. Please utilize it in a proper and reasonable manner and respect the rights of copyright owners. For commercial use, please obtain authorization from the copyright owner in advance.

    2.本網站之製作，已盡力防止侵害著作權人之權益，如仍發現本網站之數位內容有侵害著作權人權益情事者，請權利人通知本網站維護人員(nccur@nccu.edu.tw)，維護人員將立即採取移除該數位著作等補救措施。
    NCCU Institutional Repository is made to protect the interests of copyright owners. If you believe that any material on the website infringes copyright, please contact our staff(nccur@nccu.edu.tw). We will remove the work from the repository and investigate your claim.
    DSpace Software Copyright © 2002-2004  MIT &  Hewlett-Packard  /   Enhanced by   NTU Library IR team Copyright ©   - Feedback