保險費交付與收費出單制度之研究

淡江大學機構典藏 > 商管學院 > 風險管理與保險學系 > 學位論文 > Item 987654321/101578

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题名:	保險費交付與收費出單制度之研究
其它题名:	A study of insurance premium pay and insurance contract issue system
作者:	陳慧娟;Chen, Hui-Chuan
贡献者:	淡江大學保險學系保險經營碩士在職專班廖述源;Liao, Shuh-Yuan
关键词:	收費出單;Insurance Premium Pay
日期:	2014
上传时间:	2015-05-01 16:10:48 (UTC+8)
摘要:	我國現行保險法開宗明義即將要保人交付保險費，列為保險契約最為優先規範內容。在早期，由於當時資金流較不寬裕，國內廠商支付貨款之時間，大多要延宕3~6個月之久。因此，目前國內產險業普遍存在出單卻未能立即收取保險費之現象，此對於國內產險經營而言，早已根深蒂固難以撼動，造成極大深遠之影響。保險業屬於金融服務業，因此資金運用與管理顯得格外重要。而保險費之收取，更是資金運用與管理重要關鍵所在。 2008年6月，中國大陸開始實施「見費出單」，歷經數年努力，見費出單績效已明顯呈現，同時更刺激國內產險業希能早日導正「收費出單」之動力決心。惟由於積習已久且積重已深，此種長期存在之現行收費方式，能否於近期內落實目前所推動「收費出單」制度，已成為現今國內產險業面臨挑戰之嚴肅課題。 Refer to Taiwan Insurance Law, the Insured have to pay the premium to Insurers is the primary principle of Insurance contract. In early stage, because of the cash flow were not so sufficient and flexible in local companies, the account receivable period would be postponed to three to six months. Therefore Taiwan insurance companies are used to accept the cash flow gap between contract issue and premium pay. Insurance industry is one of the financial service and the management of insurance funds plays a very important role, the premium collection is especially the key point. In June 2008, China has put into practice of "Contract issue after premium pay" and earned effective feedback throughout effort of years. The success of China inspred Taiwan insurance companies to correct the account receivable system to "Contract issue after premium pay" which became a challenge in Taiwan insurance industry.
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