| 摘要: | 台灣與大陸近年來維持良好政治關係，使金融方面的互動更加緊密，在保險業方面，自從中國大陸加入WTO後，台灣壽險業看好大陸廣大幅員與人口，重視保險業市場的發展潛力，紛紛前往大陸投資，目前國泰人壽、新光人壽、台灣人壽皆在大陸設立合資公司，分別是大陸國泰人壽、新光海航人壽和君龍人壽；中國人壽則是以參股方式經營建信人壽。
本研究發現，(1)進入模式各有優缺點，台資壽險公司須擬定目標、審慎選擇；(2)中國大陸保險市場主體穩步增加，業務結構逐漸強調保障性，保險服務領域深入各地，逐步改善並穩定發展；(3)相較於陸資，台資壽險公司成立年分皆屬短期，有較多的營業成本和支出，資產也沒有陸資龐大，在進入條件、設立方式、行銷業務種類、服務範圍都有限制，因此在面對競爭激烈的保險市場，有經營的難題；(4)尤其國際化趨勢，各國有共識將保險會計、保險律法及清償能力制度修改並逐步一致，處於過度時期，對於被要求穩定性極高的壽險業來說，台資壽險公司需要更多資金挹注，不過與陸資方的經營理念時有不同，若未達資金挹注的共識，即導致清償能力不足的可能性大增，最壞的情況甚至結束合資關係，必須另覓合資夥伴；(5)把握兩岸金融服務業之協商，透過監理機關爭取福利，協助台資壽險公司走出經營困境，進而走向國際化拓廣服務據點。
Taiwan and Chinese Mainland have good political relations in recent years, so that the financial aspects of the interaction is more closely. In the insurance industry, since Chinese Mainland joined into WTO, Taiwan’s life insurance industry optimistic about that China has a vast territory and population. Therefore Taiwan’s life insurance industry pay attention to the development potential of the Chinese Mainland’s insurance market. Some Taiwan’s life insurance companies invest in China. Currently Cathay life insurance, Shin Kong Life Insurance, Taiwan life insurance are both set up joint ventures in China, namely, Cathay Life Insurance Company Limited, Shin Kong & HNA Life Insurance Company Limited, King Dragon Life Insurance Company Limited. China Life Insurance is based on the equity operated CCB Life Insurance Company Limited.
The study found that (1) because the various entry modes have advantages and disadvantages, Taiwan-funded life insurance companies must develop goals and carefully choose the entry mode; (2) The subject of Chinese mainland insurance market steadily increased, the business structure gradually emphasis on the protection of insurance, and the service of insurance deepen around every region. The insurance market gradually improve and stable development; (3) Compared to China-owned
insurance companies, Taiwan-funded life insurance companies are established among the short-time, there are more operating costs and expenses, and assets-owned is less than China-owned insurance companies, and there are limitations in the entry conditions, methods of establishment, types of business marketing, scopes of services, therefore, in the fierce competition market, Taiwan-funded life insurance companies have operating problems.(4) In particular, the trend of internationalization is a rough period for Taiwan-funded life insurance companies that are demanding high stability, because countries have reached a consensus to consistent with each country’s insurance accounting, insurance law and solvency system. Taiwan-funded life insurance companies need to inject more capital, but there are different operating ideas between partners of the joint venture. If partners of the joint venture not reach consensus to inject capital that leads to the possibility of insufficient liquidity, and the worst case is that end up the joint venture relationship, finally the Taiwan-funded life insurance company have to find the other joint venture partner. (5) Holding the opportunity of Negotiation between Taiwan and Chinese Mainland, fighting for benefits through the supervisory authorities, helping Taiwan-funded life insurance companies solve operating difficulties, and then go international to expand branches. |
