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研究生:王倩雯
研究生(外文):Wang, Chien Wen
論文名稱:中國人壽保險市場研究
論文名稱(外文):A study of life insurance market in China
指導教授:黃仁德黃仁德引用關係
指導教授(外文):Hwang, Jen Te
學位類別:碩士
校院名稱:國立政治大學
系所名稱:中國大陸研究英語碩士學程(IMCS)
學門:社會及行為科學學門
學類:區域研究學類
論文種類:學術論文
畢業學年度:97
語文別:中文
論文頁數:92
中文關鍵詞:人壽保險保險銀行保險中國大陸保險市場風險管理外商保險公司
外文關鍵詞:life insuranceinsuranceBancassuranceChina's insurance marketrisk managementforeign insurers
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  雖自1978年開始,但是從1992年鄧小平的南方談話後,中國大陸才正式進入改革開放時期,並持續20年至今。如今,中國已成為一個小康社會。"私有"的概念取代"國有"的概念是社會的一個巨大驅動力。
隨著市場經濟的腳步,保險業加入市場,並成為社會上一個穩定的力量。在這二十年中,壽險業是中國發展最快的行業之一。因為了解這股社會穩定力量的重要性,中國政府制定並頒布了許多法規,並推動保險業積極參與整個金融體系。
  在全球化環境以及WTO的架構下,中國政府透過完善法制,加速開放腳步以吸引外國投資。如今,中國的保險市場已達到一定的規模。銀行險保為中國壽險市場帶來持續性的增長,並且對於保險公司的保費收入發揮重要作用。
  我們建議,中國政府應注意仍然存在的壟斷局面,風險管理,以及利率的變化,以避免在未來的利差損問題。現在外資保險公司只佔較小的市場份額,如果情況持續存在,這並不利於金融體系的發展。跨業之間風險互相影響傳遞的可能性,將一天一天增加,因此,政府應創造良好的金融環境,也應對於風險控管持續關注。
Started in 1978, but after Deng’s Southern Speech in 1992, Mainland China officially entered an evolution and opening year, which last 20 years till now. Nowadays China is a moderately prosperous society. The change of the concept "private" replaces "state-owned" is a huge driven power for the society.
Following the market economy step, insurance industry joins and become a stable power to the society. In the two decades, life insurance industry is one of the fastest developing industries in China. Understanding how important the stable power for the society, the Chinese government enacts many regulations and pushes insurance industry to actively join the whole financial system.
Under globalization environment and WTO structure, Chinese government accelerates the open steps by perfect legal system and attracts foreign investment. Nowadays China’s insurance market reaches a certain scale. Bancassurance brings continuous growth of China’s life insurance market and keep playing important role for insurer’s premium income.
This study suggests that the Chinese government should pay more attention on monopoly situation, risk management, and the changes of interest rate to avoid negative spread problem in the future. Foreign insurers nowadays only accounted for minor market share which is not good for the development for the financial system if the situation exists continuously. The probabilities of risk transmission across industries will increase day by day; therefore, the government should create a sound financial environment and also keep their eyes on risk control.

Chapter 1 Introduction 1
1.1 Research Background 1
1.2 Methodology and Research Proposition 5
Chapter 2 The Retrospect of China’s Life Insurance Development 7
2.1 The Transition of China’s Insurance System 8
2.2 Starting Period: Pre-1949 9
2.3 The Insurance Market of Socialist Period –––– 1949~1978 10
2.4 The Insurance Market after Reform –––– 1979~1991 12
2.5 All-Round Development of China’s Life Insurance –––– 1992~2008 14
2.6 The Arrangement of Property Right 23
2.7 Summary 31
Chapter 3 The Market Environment and Status of China’s Life Insurance
Industry 33
3.1 The Function of China’s Life Insurance Market 33
3.2 Customers and Their Life Insurance Demand 37
3.3 Globalization and the Development of Life Insurance Industry 39
3.4 China’s Economic Growth and the Development of Life Insurance
Industry 42
3.5 The Regional Differences of China’s Life Insurance Market 45
3.6 The Status of China’s Life Insurance Market 48
3.7 Summary 51
Chapter 4 The Distribution Channels in China’s Life Insurance Market 53
4.1 The Development History of Bancassurance Channel 53
4.1.1 The Origin of Bancassurance 54
4.1.2 Product Types in Bancassurance Channel 54
4.2 The Historic Development of Taiwan’s Bancassurance Channel and the
Implication to China 56
4.2.1 Sales Results of Taiwan Bancassurance Channel 58
4.2.2 Life Insurance Products of Taiwan Bancassurance Channel 59
4.2.3 Taiwan’s Bancassurance Business in China 60
4.3 The Development History of China’s Bancassurance Channel 63
4.3.1 Initial stage –––– 1981~1992 63
4.3.2 Exploring period –––– 1993~1999 64
4.3.3 Development period –––– 2000~2003 65
4.3.4 Transformation period –––– 2004~the present 66
4.4 The Operation Model of China’s Bancassurance Channel 70
4.4.1 Sales Channel on Bancassurance 72
4.4.2 Win-Win Strategy for Banks and Insurers 73
4.5 The Issues and Prospect of China’s Bancassurance Channel 76
4.5.1 Issues of China’s Bancassurance Development 76
4.5.2 Prospect of China’s Bancassurance Development 78
4.6 Summary 79
Chapter 5 Conclusion 81
5.1 Issues of life insurance development in China 81
5.2 Prospect of China’s Life Insurance Market 85
Reference 89

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