壽險滿期金回流再購之探討 : 以T公司為例

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Title:	壽險滿期金回流再購之探討 : 以T公司為例
Other Titles:	An empirical study on the backflow and repurchase of maturity or refund benefit payment in life insurance : taking T company as an example
Authors:	練燕菁;Lien, Yen-ching
Contributors:	淡江大學保險學系保險經營碩士在職專班郝充仁;Hao, Chung-Jen
Keywords:	滿期金;回流再購;回流率;Maturity Payment;Backflow and Repurchase;Backflow ratio
Date:	2014
Issue Date:	2015-05-04 09:47:08 (UTC+8)
Abstract:	儲蓄，一直是國人所喜愛且重要的理財工具，然而因市場利率不斷下降，其定存利率對保守型投資人的吸引力逐漸減少，再加上對未來景氣持悲觀的態度，甚至擔心步上日本零利率的後塵，故壽險公司所推出的類定存保險商品，其略優於定存且在一定年限內保證報酬率的特色便受到保守型投資人的青睞；再加上銀行業的閒置資金無法有效運用提高獲利，於是乎在法令開放之後，不論是金控公司共同行銷或銀行跨業合作，銀行莫不紛紛成立保經代公司推介定存戶轉購買儲蓄型保險商品，將資金運用壓力轉嫁予壽險公司、並從中獲取穩定且可觀的佣金收入，也因此壽險業的保費收入在這短短的幾年內便已衝破兆元關卡，然而相對地，其每年所應支付的滿期金亦節節升高，如何讓滿期金可以回流持續維持保費收入，亦成了壽險業另一個重要的經營策略議題。本研究以T壽公司為研究對象，利用T壽公司資料庫現有資料，撈取一段時間且符合假設條件之保單件，運用統計方法，建立一個結合多變數組成的模式，實證探討T壽公司滿期金回流影響因素，並得出結論及建議，以提高回流率及提高保險業的獲利為本研究目的。 Savings, had been first-chose by the people and became one of important financial tools, however, due to the interest rate is declining, it is resulted in the deposit rate not attractive to conservative investors gradually, plus feeling pessimistic about the economic situation in the future, then following in Japan’s footsteps of zero interest rate. The life insurance company has launched a deposit insurance product with a feature of return rate guarantee in one year, which is slightly better than a fixed despite, this will be in support of the conservative investors; considering with the bank idle funds can not be operated efficiently to gain the profits, and after deregulation, whether financial holding company co-marketing model or bank cross-line cooperation, the bank established the insurance agency to promote the deposit insurance and recommend their bank accounts to make contracts; transferring the pressure of fund operation to the life insurance company then they can obtain a stable and substantial commission income. The result we can see is Premium income to the life insurance industry within a few years have been already beyond broke trillion levels, consequently, the due annually Maturity Payment also steadily increased. For life insurance companies, how to make the return of the Maturity Payment to maintain the income from insurance premium continuously, also becoming important business strategy issues for them. In this thesis, we were taking T company as an example and using its database available which is in accordance with the assumptions of the policy cases from a period of time. , by statistical methods, to create a combination of multi-variable model and proved that T life insurance company, the factors which influence the return of Maturity Payment then we can submit the conclusions and recommendations to improve the Backflow ratio and enhance the profitability of insurance industry, This is the purpose of our research.
Appears in Collections:	[Graduate Institute & Department of Insurance Insurance] Thesis

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