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研究生:蘇俊嘉
研究生(外文):SU,CHUN-CHIA
論文名稱:遺贈動機與持有壽險之相關性分析
指導教授:吳文傑吳文傑引用關係
指導教授(外文):Wu, Jack
學位類別:碩士
校院名稱:國立政治大學
系所名稱:財政研究所
學門:商業及管理學門
學類:財政學類
論文種類:學術論文
論文出版年:2006
畢業學年度:94
語文別:中文
論文頁數:69
中文關鍵詞:遺贈動機壽險
外文關鍵詞:bequest motivelife insurance
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本文採用行政院衛生署國民健康局中老年綜合調查研究中,由家庭計畫研究所提出的「台灣地區中老年身心社會生活狀況長期追蹤調查-長期研究第四次調查」,來分析遺贈動機與持有壽險之相關性。文中利用1999年53歲以上中老年人樣本,以兩階段二元邏輯斯特迴歸模型來估計;第一階段先估計其遺贈的機率,第二階段再輔以其他相關變數對持有壽險作迴歸。
實證結果顯示當受訪者留下遺產的機率或已分家產的機率愈高,持有壽險的機率就會相對降低,且有顯著影響,這是因為東方社會父母會在子女需要時給予適時的幫助,子女也大部分會孝順父母,因此不需要以遺贈去購買子女的關懷,也就是利他性遺贈動機使然。
其他如有伴侶的受訪者較不會去持有壽險;對子女關心滿意的程度對持有壽險有負向且顯著的影響(非全部迴歸式);子女數則對持有壽險有正向且顯著的影響;有無自有房舍、有無第二屋、有無金融資產、財務狀況四變數對於持有壽險皆有正向且顯著的影響(非全部迴歸式);從事公職對於持有壽險有負向且非常顯著的影響;有無公保與有無勞保兩變數對持有壽險有負向且顯著的影響(非全部迴歸式);教育年限對持有壽險有正向且顯著的影響(非全部迴歸式);年齡則對持有壽險有負向且顯著的影響(非全部迴歸式)。
This thesis analyses the relationship of bequest motives and life insurance ownership by the use of the Survey of Health and Living Status of the Middle Aged and Elderly in Taiwan conducted by the Center for Population and Health Survey Research, Bureau of Health Promotion, Department of Health, Taiwan. We use two stage binary logistic model and samples above 53 years old in 1999 to regress. In the first stage we estimate the probability of leaving bequest or division; in the second one we use this probability and other related variables to regress on the variable of life insurance ownership.
The results show that the higher the probability of leaving bequest or division, the lower the probability of life insurance ownership. The effect is negative and significant. This is because parents help their children when they are in need, and children are always filial to their parents in the east. Thus there is no need to leave bequest to purchase attention from their children. This is so called “altruistic bequest motive.”
Other variables like having a spouse, satisfaction with attention from their children, public employment, government insurance for public servants, labor insurance and age have negative and significant effects on life insurance ownership. The number of children, having their own house, second house, financial assets, financial condition and education have positive and significant effects on life insurance ownership.

Other variables like having a spouse, satisfaction with attention from their children, public employment, government insurance for public servants, labor insurance and age have negative and significant effects on life insurance ownership. The number of children, having their own house, second house, financial assets, financial condition and education have positive and significant effects on life insurance ownership.
摘要 Ⅰ
Abstract Ⅱ
目錄 Ⅲ
圖表目次 Ⅴ
第一章緒論................................................1
第一節 研究背景與動機......................................1
第二節 研究目的............................................3
第三節 研究架構與方法......................................4
第四節 研究流程............................................5

第二章相關文獻回顧.........................................6
第一節 遺贈動機部分........................................6
第二節 持有壽險部分........................................9
第三節 本章小結...........................................12

第三章實證模型設定........................................13
第一節 前言..............................................13
第二節 遺贈動機實證模型....................................14
第三節 持有壽險實證模型....................................16
第四節 實證模型及迴歸式....................................18

第四章研究資料敘述統計.....................................20
第一節 研究資料來源與說明..................................20
第二節 研究資料限制.......................................22
第三節 模型中各變數之說明..................................23
第四節 敘述統計分析.......................................35
第五節 本章小結...........................................38

第五章計量模型實證分析.....................................39
第一節 前言..............................................39
第二節 實證結果分析.......................................40

第六章結論與建議..........................................50
第一節 結論..............................................50
第二節 建議..............................................53

參考文獻...................................................55

圖表目次

圖1:台灣未來三階段人口年齡結構圖.............................57
圖2:研究流程圖............................................58
表1:我國保險業的起源.......................................59
表2:歷次調查詳細資料說明....................................60
表3:各變數之設定與說明.....................................62
表4:模型1第一階段變數資料敘述統計............................63
表5:模型1第二階段變數資料敘述統計............................63
表6:模型1.1第一階段變數資料敘述統計..........................64
表7:模型1.1第二階段變數資料敘述統計..........................64
表8:模型2第一階段變數資料敘述統計............................65
表9:模型2第二階段變數資料敘述統計............................65
表10:模型2.1第二階段變數資料敘述統計.........................66
表11:模型2.1第二階段變數資料敘述統計.........................66
表12:第一階段實證結果表....................................67
表13:第二階段實證結果表....................................68
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Bernheim, B. D., A. Shleifer, and L. H. Summers (1985), “The Strategic Bequest Motive,” The Journal of Political Economy, 93(6), 1045-1076
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Jappelli, T. and L. Pistaferri (2003), “Tax Incentives and the Demand for Life Insurance: Evidence from Italy,” The Journal of Public Economics, 87(8), 1779-1799
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Yaari, M. E. (1964), “On the Consumer’s Lifetime Allocation Process,” International Economic Review, 5(3), 304-317
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