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研究生:許淑棉
研究生(外文):Hsu Shu Mien
論文名稱:壽險公司銷售健康險對風險承擔之影響
指導教授:林文昌林文昌引用關係
指導教授(外文):Wen-chang Lin
口試委員:賴承坡何加政林文昌
口試日期:2011-07-25
學位類別:碩士
校院名稱:國立中正大學
系所名稱:財務金融研究所
學門:商業及管理學門
學類:財務金融學類
論文種類:學術論文
論文出版年:2011
畢業學年度:99
語文別:中文
論文頁數:43
中文關鍵詞:營運策略
相關次數:
  • 被引用被引用:1
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摘要
本研究目的在瞭解保險業經營經常面對短期及長期的風險,造成財務收支的波動,同時由於近年來金融及保險市場的自由化及國際化趨勢,保險契約的創新,使承擔風險的保險人與被保險人發展出異於傳統的承保方式,預期將增加保險人的承保能量及將移轉無法承保風險。近幾十年來科技進步造成醫療技術快速發展,醫療器材先進,引起國人對醫療的著重,加上國內在民國84年3月實施全民健康保險制度,將我國的醫療保險帶入另一個領域,民眾為擁有較高的醫療品質,以致購買商業健康保險。在此原因之下,保險公司因應國人對商業健康保險之需求,但因健康險對保險公司之相對風險較高,其因對市場佔有率之競爭,保險公司銷售健康險對風險承擔的影響, 研究對象由於國內上市壽險公司只有4家,若僅以上市公司為研究對象,則樣本資料不足,故本研究的研究對象為台灣公開發行之11家人壽保險公司,以1991至2008年為研究期間,共198筆資料。本研究的抽樣標準之一是樣本公司必須滿足在研究期間之內所有財務變數資料均可蒐集完備,由於台灣的股票市場規模過小,可取得的公司樣本數目不多,實證結果可能難以作全面的解釋。研究結果顯示台灣地區人壽保險公司產品風險之個人健康險與資產風險呈現負相關,當公司選擇銷售個人健康險之產品時,同時會降低公司資產的波動;另外,產品風險之團體健康保險與資本比率成正相關,其和團體健康險之核保容易及寬鬆理賠制度有關,故使保險公司須握有更多資本來確保這未知的風險之用。

第一章 緒論
第一節 研究動機
第二節 研究目的
第二章 文獻回顧
第一節 概論
第二節 健康保險之定義,特質,承保範圍及型態
第三節 健康保險的演進及市場現況
第三章 研究設計
第一節 資料蒐集及來源
第二節 研究方法
第三節 模型建立及研究假說
第四節 實證模型及變數定義
第四章 實證研究及分析
第一節 敘述統計分析
第二節 實證模型分析
第五章 結論

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