English  |  正體中文  |  简体中文  |  全文筆數/總筆數 : 51296/86402 (59%)
造訪人次 : 8161880      線上人數 : 55
RC Version 7.0 © Powered By DSPACE, MIT. Enhanced by NTU Library & TKU Library IR team.
搜尋範圍 查詢小技巧:
  • 您可在西文檢索詞彙前後加上"雙引號",以獲取較精準的檢索結果
  • 若欲以作者姓名搜尋,建議至進階搜尋限定作者欄位,可獲得較完整資料
  • 進階搜尋
    請使用永久網址來引用或連結此文件: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/87349


    題名: 臺灣商業年金保險金錢價值比率之探討
    其他題名: The money's worth ratio of annuity insurance in Taiwan
    台灣商業年金保險金錢價值比率之探討
    作者: 張佳平;Chang, Jia-Ping
    貢獻者: 淡江大學保險學系保險經營碩士在職專班
    繆震宇;Miao, Cheu-Yu
    關鍵詞: 年金保險;年金市場;金錢價值比率;人口老化;Annuity insurance;Annuity market;Money's Worth Ratio;Aging population
    日期: 2013
    上傳時間: 2013-04-13 10:59:02 (UTC+8)
    摘要: 人口快速的老化,正是目前多數國家所要面臨的問題,同樣的,面臨政府財政赤字及經濟的不景氣,退休金的消耗現象仍持續著,未來也許商業年金可協助減緩及解決個人對於退休後生活上所喪失的安全感,建議國人可購買商業年金商品做為長期退休規劃。

    人口老化問題將導致社會保險不完善,現今購買年金商品的人不完全是為了退休生活所做準備,而是以投資及定存方向為考量,也造成市場上年金保險商品在設計上有所偏頗(以業績為考量)。

    為了解現行國內市場中的商業年金商品是否適合購買做為退休規劃,本研究以MWR模型套用現行101年7月後適用第二回合年金生命表及100年簡易生命表來計算,另以各保險公司所推出之即期年金來做各項假設,推出之結果發現A保險公司所計算之金錢價值高於其他保險公司,這樣的結果發現,國內的年金商品所計算出的MWR數值雖然有高有低,但購買商業年金仍應取決於客戶需求,且業者對於年金保險商品的重視,也使國人更容易選擇年金商品做為未來退休規劃。
    The population is aging even faster, this problem to be faced by the majority of countries. The same as is facing financial deficit and economic recession. The phenomenon of pension spending is still keeping on. Annuity insurance may helps to solve lack of insecure in personal life after retirement. A suggestion for people purchase annuity insurance as a long-term retirement planning.

    The problem of an aging population leads to social insurance is imperfectly. Nowadays the people who purchase annuity insurance are not only for preparing their retirement life but also considerate for their investment and deposit. It is caused by the marketing of designing on the annuity insurance is prejudice. (Accomplishment as a consider)

    In order to understand the domestic market currently, the annuity insurance suits to purchase to be used as retirement planning. This research is count by applying to the second round of life annuity tables after July 101 with MWR mode set and 100years simple life tables. Other insurance companies launched new immediate annuity to do any various assumptions. The results showed that an insurance company calculated value of money is higher than other insurance companies. These results found out the MWR data have its ups and downs are calculated by domestic annuity products, but purchasing annuity insurance should still depend on what customer needs. Insurer has gradually paid their attention to annuity products. It is easier for domestic people to choose annuity products as retirement planning.
    顯示於類別:[保險學系暨研究所] 學位論文

    文件中的檔案:

    檔案 大小格式瀏覽次數
    index.html0KbHTML209檢視/開啟

    在機構典藏中所有的資料項目都受到原著作權保護.

    TAIR相關文章

    DSpace Software Copyright © 2002-2004  MIT &  Hewlett-Packard  /   Enhanced by   NTU Library & TKU Library IR teams. Copyright ©   - 回饋