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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/32386

    Title: 影響我國消費者對年金保險商品需求因素之探討
    Other Titles: To discussion of affects Taiwan consumers for a annuity insurance product demand factor
    Authors: 蔡惠婷;Tsai, Hui-ting
    Contributors: 淡江大學保險學系保險經營碩士班
    曾妙慧;Tsen, Miao-huei
    Keywords: 長壽風險;年金之謎;遺產動機;預期壽命;Longevity Risk;Annuity Puzzle;Bequest Motive;Life Expectancy
    Date: 2009
    Issue Date: 2010-01-11 02:04:01 (UTC+8)
    Abstract: 近年來,台灣在人口結構高齡化的影響下,對一般民眾而言,長壽風險的問題日益深刻。理論上,年金保險商品一向被視為用以規避長壽風險的最佳選擇。但在現實社會中,年金保險商品的實際需求卻遠低於理論預期,而形成所謂之「年金之謎」。過去的研究結果顯示,遺產動機、年金商品之價格、未來不確定的醫療支出及社會福利制度的影響等因素是造成年金之謎的主要原因。本研究最主要是透過問卷調查,探討台灣是否有年金之謎的現象存在,以及是何種原因造成年金之謎的現象。

    In recent years, Taiwan under the population structure advanced age''s influence, speaking of the common populace, the longevity risk''s question was day by day profound. Theoretically, the annuity insurance commodity always regards as with dodges the longevity risk the best choice. But in the realistic society, the annuity insurance commodity''s physical demand actually far is lower than the theory anticipated, but forms so-called it “annuity puzzle”. Of past findings showed that price, the future indefinite medical service disbursement and social welfare system''s , the bequest motive, the annuity puzzle influence and so on influence create riddle of the annuity primary cause. This research most mainly penetrates the questionnaire survey, discusses Taiwan whether to have riddle of the annuity phenomenon existence, as well as is what kind of reason creates riddle of the annuity phenomenon.

    The findings showed: First, in our country insurance market really has riddle of the annuity puzzle existence. Second, difference of the sex will affect the participant demand of regarding the annuity. Third, “insurance clerk to be very few (or not once) sold the annuity commodity to you”, “the annuity commodity to compare the life insurance commodity came difficult to understand”, “after the retirement continued to work earns the living expense is life scheduled” and so on those 8 factors maybe reduce the participant factor of regarding the annuity insurance commodity demand. Fourth, under the government non-compulsion stipulation, is willing to participate in participant of voluntarily the social security, because after “the worry will retire, after the indefinite medical service will look after the disbursement”, “the retirement, the meeting wants to keep some fluid property on hand, like the cash and so on”, “the worry Insurance company will go out of business” and so on 5 factors, but will reduce it demand and the purchase wish regarding the annuity insurance commodity.
    Appears in Collections:[保險學系暨研究所] 學位論文

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