Please use this identifier to cite or link to this item:
|Title: ||強制年金下影響個人商業年金保險需求之研究 : 以銀行理財客戶為例|
|Other Titles: ||The effect of personal commercial annuity demand under the compulsory annuity|
|Authors: ||甘薏湘;Kan, Yi-shiang|
|Keywords: ||長壽社會;人口老化;強制年金;遺贈動機;年金之謎;年金逆選擇;Long Life Society;Demographic Ageing;Compulsory Annuity;Bequest Motives;Annuity Puzzle;Adverse selection of Annuity|
|Issue Date: ||2010-01-11 02:05:17 (UTC+8)|
研究結果顯示：1. 沒有個人年金保險需求的人較有需求的人比例為高，可能原因是銀行客戶較能接受多元化的理財觀念，對各項投資理財工具接受度較高，所以在理財工具廣泛的前提下，保險並非唯一的選擇。2. 當淨資產超過300萬以上的受訪者，有意願將資產部分年金化；未達300萬的人因在乎投資收益，認為其他的投資工具比年金保險可以有更好的投資報酬，可以對抗通膨故年金需求相對較低。；3. 現行強制年金的實施對將近六成之受訪者來說認為無法提供足夠退休生活保障；且研究發現強制年金的實施影響了個人商業年金保險的需求。4. 目前已投保壽險、年金險之受訪者較有年金需求，故保險公司應善加運用資料庫中保戶之資訊，對於退休保障不足或即將給付滿期保險金之保戶，針對其需求做再次行銷，以增加業務來源。5. 本研究受訪者在年金需求中與逆選擇風險間有顯著關係，建議後續研究可針對年金保戶之健康狀況與年金逆選擇間作進一步探討。
While the social populace Talked about the old age retirement plan unceasingly, the government devotes in recent years in the social insurance system to the annuity, not only the force impelled the national annuity and the labor insurance paid by the annuity form, but also the designs of the newer mechanism which retirement pension paid monthly. From those, we might know that the way of annuity payment is regarded as the most populous safeguard for the retirement life, meanwhile it also might provide the stable source of wealth for the retired life.
Since the annuity will have the important influence and the remarkable necessity to the future old age retirement, but still there are many people who are not willing to purchase the annuity? The mainly possible reasons include it might lose the liquidity by accumulating annuity inputs, as well as the worry about the stabilization of insurance company long term operation of annuity, or the issue of legacy motive and so on. Therefore this research, based on the object of banks’ wealth managed customers including north Taiwan including Banqiao city, Jilong and Taoyuan County (city) , interrogated volume altogether 730 and discussed the influence and demand of personal commercial annuities under the present government plans.
The findings showed that 1. The percentage of the person with non-demand of individual annuity insurance is higher than the person needed. The possible reason is that most of the bank clients can accept the wild-ranged investment vehicles , therefore widespread premise, insurance is not the only choice.2. According to the result, people whose net assets surpass over 3,000,000 have the willingness to annualized partial of their properties; But people whose net assets below 3,000,000 might care more about the investment income, they think that by means of investing other investment tools, it could bring higher investment yields and against the inflation problem than the annuity insurance could. Therefore, it reduces the demand of annuity 3. Nearly 60% of participants thought the present compulsion annuity implementation will be unable to provide the sufficient protection for the future retirement; Besides, The research discovered that the implementation of compulsion annuity has affected individual commercial annuity insurance demand.4. Currently, People who have purchased life insurance and annuity will have the higher annuity demand, therefore for the insurance company, they should make good use of their existing customer data base to discover and sell toward the potential customers who do not have the sufficient insurance protection for their retirement or the coming maturity of their insurance policies .5. This research also showed that annuity demand has the remarkable relation with the adverse selection of annuity. We suggest the following research may aim at the health and the annuity adverse selection of insured and discuss further in future.
|Appears in Collections:||[保險學系暨研究所] 學位論文|
All items in 機構典藏 are protected by copyright, with all rights reserved.