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    Title: 我國銀行從事銀行保險業務之合作策略分析
    Analysis on the business strategies performed by domestic banks in bancassurance
    Authors: 陳炫婷
    Contributors: 彭金隆
    陳炫婷
    Keywords: 銀行保險
    合作策略
    Date: 2011
    Issue Date: 2012-10-30 11:24:35 (UTC+8)
    Abstract: 近年來,我國銀行保險蓬勃發展,成為我國壽險業最主要的銷售通路來源。過往以銀行保險為研究主題之文獻頗多,但甚少以量化方式探討彼此合作深淺關係的選擇與影響因素;兼且觀察實務界之發展,發現銀行於銀行保險之合作關係中,扮演了關鍵性之角色。因此本研究從銀行端之角度,借取市場集中度指標,以量化方式探討銀行與保險公司的業務合作緊密程度與影響因素。

    初步觀察2006年至2009年間雙方合作關係的增減,結果發現,我國近幾年來銀行與壽險公司之合作關係沒有呈現集中或分散之趨勢。接著本研究以最小平方法回歸模型來探討銀行從事銀行保險業務時,所採取之合作策略及影響因素為何,結果發現,以「合作廣度」而言,銀行分行數越少、為本土銀行、銀行保險市占率越低、用人費用越高、逾放比率越高之銀行皆傾向採取分散策略;從「合作深度」來看,銀行分行數越多、為外商銀行、隸屬於金控底下之銀行、銀行保險市占率越高、用人費用越低與逾放比率越低之銀行皆傾向採取集中策略。

    接著,比較銀行與保險公司在合作策略之選擇上有何不同,結果發現,以資源的角度來檢視,當銀行資源越豐富(分行數越多),越傾向採取集中策略;而壽險公司資源越豐富(資產規模越大),越傾向採取分散策略。在公司型態方面,當銀行為外商銀行,則偏好採取集中策略;而外商壽險公司,則偏好採取分散策略;在市占率方面,銀行在之銀行保險之市占率越高,越傾向採取集中策略;而壽險公司之保費市占率越高,越傾向採取分散策略。值得注意的是,不論在銀行或是壽險公司之角度,當其隸屬於金控底下,皆偏好採取集中策略。

    最後,本文探討銀行與保險公司合作時,是否具備風險篩選之功能。採取壽險公司之保費收入標準差、風險性投資比率與槓桿比這三項變數,衡量壽險公司本身之風險性高低。結果未能發現銀行具有風險篩選之功能。
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    Description: 碩士
    國立政治大學
    風險管理與保險研究所
    99358004
    100
    Source URI: http://thesis.lib.nccu.edu.tw/record/#G0099358004
    Data Type: thesis
    Appears in Collections:[風險管理與保險學系] 學位論文

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