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    题名: 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
    贡献者: 張士傑
    Bill Chang
    廖士傑
    Jeff Liao
    关键词: 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
    上传时间: 2013-09-05 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 United
    States 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 Finance
    Economics, 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 working
    paper 2088, The World Bank.
    21. Nissan E., 1996, “Concentration in American Property‐Casualty Companies,” Journal of Actuarial Practice, 4, 131‐142
    22. The General Insurance Association of Japan, Fact Book 2008-2009 GeneralInsurance In Japan, 2-3
    23. General Insurance Association of Korea, Korea Non-Life Insurance Annual Report Fact Book 2009, 12-17
    24. 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
    数据类型: thesis
    显示于类别:[經營管理碩士學程EMBA] 學位論文

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