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政大機構典藏 > 商學院 > 風險管理與保險學系 > 學位論文 > Item 140.119/86600

Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/86600

Title:	壽險解約率與總體經濟關係之研究
Authors:	詹淑卿
Contributors:	張士傑鄧家駒詹淑卿
Keywords:	壽險解約率總體經濟 Life insurers Lapse rate
Date:	1998
Issue Date:	2016-04-27 14:59:47 (UTC+8)
Abstract:	1970 至 1980 年代初期，美國壽險業在高市場利率的衝擊下，壽險保單持有人為尋求更高的投資報酬，紛紛提出解約(Lapse)或保單貸款(Policy loans)的要求，產生所謂的脫離金融機構症(Disintermediation)，此現象可能造成保險公司現金大量流出，進而影響公司的資金運用。故美國壽險公司為降低此種利率不正常變動所造成之影響，便致力開發變額壽險等與利率相關的保單商品。 Lapse rate plays a crucial role in monitoring the effectiveness of management for life insurers. Its changing phoneme not only characterizes the stability of the insurer`s financial strength but also provides a benchmark in valuing the development and quality of business. There are many factors influencing the lapse rate of the life insurance policies. In this study, macroeconomics index, economic growth rate, per capita income, rate of return on alternative, unemployment rate and inflation rate are selected as independent variables to measure their importance.
Description:	碩士國立政治大學風險管理與保險研究所 84358008
Source URI:	http://thesis.lib.nccu.edu.tw/record/#B2002002072
Data Type:	thesis
Appears in Collections:	[風險管理與保險學系] 學位論文

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