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人身保險市場促銷策略之研究楊晢凱, Yang, Zhe-Kai Unknown Date (has links)
隨 國民所得之提高,人民對未來生活益加關心。由於社會環境的劇烈變遷,社會生
活的不定性日益增高,社會風險愈趨複雜。因此,如何轉移各種風險,減少意外事件
的損失,確保未來生活素質,已日受一般人重視。
保險市場之繼續擴張,係屬必然的趨勢。如何配合市場需求,推出適切產品,乃每一
保險業者之關鍵業務。而此一關鍵業務悉賴對保險市場之充分認識,對消費大眾投保
行為有充分之瞭解。
本論文共分六章十五節,探討影響投保行為之各有關因素,瞭解市場之特性,並根據
消費者對保險之一般態度,區分為若干區隔市場,進而擬定適宜之促銷策略。
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金融拆款市場與中央銀行貨幣政策 -台灣之實證研究 / Financial Interbank Market and the Central Bank's Monetary Policy - An Empirical Research of Taiwan朱凱頤, Chu, Kai I Unknown Date (has links)
由於銀行準備金比率為受貨幣政策機制影響的重要變數之一,但目前並無針對台灣進行的實證研究,因此本文的研究重點著重於探討台灣的銀行準備金比率受不同變數因子的影響。本研究採用的解釋變數有央行的重貼現利率、製造業的工業生產指數、加權法定準備率、壞帳比率、存放款利差、3年期政府公債殖利率、落後一期拆款利率及代表拆款市場重大變革時點的虛擬變數。樣本主要採用由中央銀行統計資料庫及 TEJ 資料庫所蒐集之月資料,採用期間為 1995 年 6 月至 2014 年 7 月,並且使用 OLS 模型進行實證分析。實證結果發現,製造業的工業生產指數及落後一期拆款利率為負向顯著,而 1995年8月的虛擬變數為正向顯著。 / The purpose of the study was focused on the impact of Taiwan banks' reserve ratio by different variable factors, since the banks' reserve ratio was one of the important variables affected by monetary policy mechanism, however, there was no empirical research carried out for Taiwan currently. The explanatory variables used in the study has the discount rate, the index of industrial production of the manufacturing sector, the weighted statutory reserve ratio, the ratio of bad debts, deposit and loan spreads, 3-year government bond yields, the call rate that one year lags and the dummy variables of representatives major changes in interbank call loan market. This study obtained monthly samples from the central bank's statistical databases and TEJ database mainly, the period was during June 1995 to July 2014, and then OLS model was used to analyze. The results revealed that the index of industrial production of the manufacturing sector and the call rate that one year lags has a negative and significant effect on banks' reserve ratio, while the dummy variables of August 1995 has a positive and significant effect.
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