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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/105221

    Title: 整合性存款保險之研究
    Other Titles: The study of integrated deposit insurance
    Authors: 陳柏宇;Chen, Po-Yu
    Contributors: 淡江大學保險學系保險經營碩士班
    廖述源;呂慧芬;Liao, Shuh-yuan;Lu, Hui-Fen
    Keywords: 整合性存款保險;整合性保障制度;破產保證支付制度;Integrated Deposit Insurance;Integrated Protection Schemes
    Date: 2015
    Issue Date: 2016-01-22 14:50:41 (UTC+8)
    Abstract: 隨著經濟環境的變遷,與保險的普及,國民除了將錢財存入銀行滋養生息外,亦會將部分金錢用來購買保險。銀行存款有存款保險負責提供保障,保險業的部分則由安定基金來確保被保險人之權益。我國存款保險與安定基金目前為兩套互相獨立之體制,而國際上已有所謂「整合性保障制度」之體制出現,值得台灣效仿。
    With the changing economic environment and the popularity of insurance, people not only earn interest by saving money in banks but also purchase insurance for additional coverage. On one hand, Central Deposit Insurance Corporation (CDIC) is responsible for providing the guarantee of bank deposits. One the other hand, Taiwan Insurance Guaranty Fund (TIGF) is responsible for protecting the rights and interests of the insured. CDIC and TIGF are two independent systems. However, a system which combines all financial schemes together has emerged internationally in recent years. It is known as "Integrated Protection Schemes" that Taiwan should consider adopting.
    In view of this, this dissertation firstly introduces the Integrated Protection Schemes in Korea, United Kingdom, and Malaysia. The introduction includes the background of its origin and current status, coverage range and limits, the structure of funds and premium rate, system of risk control and supervision. These various aspects as practiced in these three countries are in turn compared and discussed. After that, relevant recommendations are provided as references for future implementation of Integrated Deposit Insurance System in Taiwan.
    Appears in Collections:[保險學系暨研究所] 學位論文

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