壽險業具高財務槓桿之特性，其投資策略顯著影響公司清償能力及保戶權益，壽險公司資產負債管理亦攸關金融市場之穩定。本研究系統分析兩岸保險市場及資產配置行為，比較兩岸保險業尤其是壽險業資產配置之差異，並使用Markowitz之mean-variance模型，自金融市場、法規限制及資金經理人行為三者協動作用出發，假設模型限制條件，以數值結果闡釋不同因素對資產配置結果之影響程度，及形成兩岸壽險業最適資產配置差異之原因。 分析兩岸現況後可發現，兩岸壽險業投資雖均以固定收益資產為主，然大陸銀行存款比例過高，而台灣傾向於投資國外債券。結合模型數值結果，歸納所得之主要結論包括：（1）利率環境差異為影響兩岸壽險資產配置之基礎因素；（2）適當寬鬆之法律規範有利於投資收益之提高；（3）不動產及其他類型投資將成為兩岸壽險業主要投資收益來源；（4）大陸壽險業資產配置策略受金融市場影響顯著。據此，本研究建議：（1）台灣可適當放寬壽險業投資比例限制；（2）大陸需完善金融市場並增強透明度；（3）大陸監理機關應加強對壽險公司財務報表揭露與業務資訊公開之監管。

儘管民主政治是一種不夠完美的制度，但仍係人類社會迄今為止最能尊重與保障個人平等自由生活方式的一種政治制度，故而在廿世紀下半葉廣獲世界各國青睞。透過政治文化的觀點，我們瞭解到民主政治的建立與發展，一般人民是否具有民主的精神與素養，往往要比政治制度或典則是否完善，更具有決定性的影響。因此，本研究將「民主」定義為一種生活方式，希望從人們對民主內涵之覺察與認識，從蘊含於其日常行為價值觀中的表現，探討民主價值成為個人生活方式的可能影響。 東亞大陸上的華人社會，不論是中國大陸或台灣都肯定民主的價值，也都朝民主的方向邁進，然而二者選擇之路徑不同，歷經之階段亦不相同。台灣已成功地從威權體制轉型為民主政治，大陸則在改革開放的驅動下，著手施行有中國特色的社會主義民主建設。民主轉型能否成為兩岸未來和平對話的契機？值得我們關注。 兩岸青年雖然生活於不同的教育環境，但是資訊時代為他（她）們的成長提供了日益趨同的國際舞台。在現代化民主潮流的衝激下，他（她）們習得怎樣的民主內涵，對兩岸關係未來的發展，勢必會有重要的影響。因而本研究關切兩岸大學生政治學習的內容如何，其民主意識的內涵有何異同，兩岸大學生會有怎樣的政治參與意向，以及社會化媒介對其民主意識和政治參與意向所可能的影響。 經由內容分析法比較兩岸大學生高中時期政治學習的內容，發現兩岸的教育重心都在強化政治知識和政治策略，但本質意涵仍有顯著差異：其中各自對「政治社群」的認同對象不同、「政治知識」的來源不同、「政治策略」的性質不同，猶有甚者，彼此教科書對「民主價值」的認知與詮釋差異甚大。大陸方面的政治教科書對意識形態的強調與堅持比台灣遠甚。 本研究同時以態度量表進行經驗調查，以立意取樣的方式，在兩岸選取政治大學、成功大學、東吳大學和北京大學、人民大學、（廣州）中山大學等六所學校共1100餘位學生作為對比分析。經過冗長的統計分析與論證，本研究所提出的各項假設獲得了部分的驗證。 根據本研究發現，兩岸大學生影響其民主意識與政治參與意向的原因容或有所不同，但從調查結果可知，雖然兩岸在政治、經濟體制上分離了五十餘年，但本研究所調查的兩岸大學生在許多方面都呈現了相同之處，並且對於民主仍充滿了肯定，甚至大陸大學生對於民主的渴望猶勝生活在自由風氣中的台灣大學生。筆者認為，這樣的共識讓兩岸有了對話的平台，在未來的兩岸關係中，這群政治與社會的菁英勢必能由此發展出新的出路。 / Democratic political system which has been widely accepted in the second half of the 20th century all over the world has played the best role in respecting and guaranteeing individuals’ equal and liberal lifestyle so far, though it might not be the most perfect. Though the view of political culture, we acknowledge that in the establishment and development of democratic politics, whether the ordinary people have democratic spirits usually has more crucial effects than whether the political regimes and norms are flawless. Therefore in this research, the writer defines ‘democracy’ as ‘a lifestyle’ and tries to discuss the possible effect of democratic lifestyle through people’s awareness and understanding of democratic connotation and their daily behavior reflecting their values. In the Chinese society on the Eastern Asia continent, both the Mainland China and Taiwan approve the democratic value and move toward the democracy. But they chose different ways, either the developing stages. Taiwan has successfully changed from the authoritarian system to democratic politics while the Mainland China has been performing the China Style Socialist Democracy Construction in the motivation of the market-oriented Reformation. Can the democratic transition create a peacefully conversational opportunity? It’s worth paying attention. The youth of both sides are living in the different educational environment, but the Information Age provides them an international stage more and more similar. By the wash of democratic wave, what democratic connotation they have learned will make a big impact on the cross-straight relationship in the future. So this research concerns on the undergraduates’ political study contents, the differences between their democratic connotation, their political participation wills and the probably effects of socialization media on their democratic conscious and political participation wills. After comparing the political study contents in high school by content analysis method, it is found that the educational cores of both sides are political knowledge and political policy, but they have distinct essences in who the political community identifies, where the political knowledge comes, what the political policy means, and the most different, how the democratic value is explained. The political textbook of the Mainland China enhances the ideology more often than Taiwan. Meanwhile, in this research the scaling method was adopted to execute the experience survey. With the purpose-sampling method, more than 1100 students of National Cheng Chi University, National Cheng Kung University and Soochow University in Taiwan and Peking University, Renmin University and Sun Yet-san University in the Mainland China are chosen. Through the tough statistic analysis and demonstration, the hypotheses of this research have been large partly proved. According to the research founds, in both sides the factors which effect the undergraduates’ democratic conscious and political participation wills are different. This survey also tells us that the undergraduates in both sides has a lot in common although have been politically and economically separated for more than 50 years. They both feel very positive towards democracy, further more, the Mainland China undergraduates are more eager to democracy than Taiwan undergraduates who are living the liberal atmosphere. The author believes that this common opinion constructs the talk bridge between the Straights. In the future, these political and social elites will develop a new peaceful path to change the present vague relationship between both sides through the democratic way.