臺灣博碩士論文加值系統

本研究目的係為了研究存款保險公司透過風險差別訂價，是否能有效評估風險並建立金融預警機制，用以減緩對經濟社會之衝擊。
在經濟市場中高風險意味著高收益，因此評估金融業在風險管理控制和營運之間如何找到平衡點，運用風險評估系統使風險控制在可接受的範圍內。並以現行金融業風險評估系統在內外部風險管理，稽核查核前後之評估，控制風險自我評估或經營活動自我評估，探討金融業為了達成目標控制風險，而對風險進行有效性和妥適性之自我評估。
金融業處於overbanking激烈競爭的變動環境下，在面對全球化市場、組織變革、科技日新月異及法令不確定性情況時，為追求利潤並達成股東期望下，在擴展業務過程中也相對須承擔風險，因此須憑藉有效之內外部風險管理來降低損失以達成營運目標。運用系統方法規劃風險管理、分析定性與定量風險、制定因應措施、監控風險進行績效評估。但在台灣經營績效一年不如一年及在科技日新月異及法令不確定性之衝擊下，強化台灣金融業體質就成為金融業者及主管機關須關注及探討的課題，如2004~2008年的二次金改及現今2018年7月推動的金金併。
本研究以質性研究方法，佐以相關資料收集與歷史文獻探討，並拜訪中央存保公司及金融同業，針對是否增加風險衡量指標及權數，增加獎勵辦法進行討論研究，以確定研究題目是否符合實際需要。

The purpose of this study is to effectively access risks and establish financial early warning system in risk discrimination price of deposit insurance companies to mitigate economic and social shocks.
High risk in the economic market means high returns, so assess how the financial industry finds a balance between risk management control and operations, and uses a risk assessment system to keep the risk within acceptable limits. The current financial risk assessment system is used for internal and external risk management, auditing before and after verification, controlling risk self-assessment or self-assessment of business activities, and exploring the effectiveness and appropriateness of the financial industry in order to achieve the target control risk to do self-assessment.
In the changing environment of overbanking fierce competition, the financial industry is relatively risky in the process of expanding its business in the face of global market, organizational change, rapid technological advancement and legal uncertainty. Therefore, effective internal and external risk management is required to reduce losses to achieve operational objectives. Use a systematic approach to planning risk management, analyzing qualitative and quantitative risks, developing response measures, and monitoring risks for performance evaluation. However, under the impact of Taiwan’s business performance for less than one year and the rapid development of technology and the uncertainty of the law, strengthening Taiwan’s financial industry has become a topic that financial industry and authorities should pay attention to and explore, such as the second time from 2004~2008. Merger of financial institutions that are promoted by Jul 2018.
This study uses qualitative research methods, related data collection and historical literature discussion, and visits the Central Deposit Insurance Corporation and the financial industry to discuss whether to increase risk measurement indicators and weights, and increase incentives to discuss whether the research topics are consistent actual needs. Risk management indeed is an extension of internal control.

目　錄

謝　辭 Ⅰ
中文論文提要 Ⅱ
英文論文提要 Ⅲ
目　錄 Ⅴ
圖　次 Ⅵ
表　次 Ⅶ

第一章　緒　論 1
第一節　研究動機 1
第二節　研究問題 3
第三節　研究目的 4

第二章　文 獻 參 考 6
第一節　台灣存保制度沿革 6
第二節　與各國存保制度之比較 18
第三節　名詞解釋 27
第四節　存款保險定價模型 29

第三章　研 究 方 法 43
第一節　質性研究法 43
第二節　質性資料分析法-訪談法與歷史文獻探討法、跨國比較 44

第四章　個 案 訪 談 與 跨 國 比 較 46
第一節　中央存保公司 46
第二節　金融機構 56
第三節　跨國比較 58

第五章　結 論 及 建 議 60
第一節　結論 60
第二節　建議 63

參考文獻 67

著作權聲明 71

參考文獻
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三、網站部份
https://wiki.mbalib.com/zh-tw/
https://www.dic.go.jp/katsudo/index.html
https://www.cdic.gov.tw/main_deposit/
https://www.fdic.gov/
https://www.cbc.gov.tw/
https://www.fsc.gov.tw/ch/index.jsp