台灣的銀行保險於2000年興起，2009年銀行通路初年度保費收入（First Year Premium, FYP）占整體壽險業初年度保費收入的比重達63.15%，首次超越傳統業務員通路，至2012年為止皆維持5成以上，顯示銀行通路對壽險公司的重要性。實務上壽險公司同時會與多家銀行簽訂保險銷售的合作契約，如何確保合作銀行招攬之業務是對公司有益而非反而造成公司虧損，成為壽險公司重要的課題。
本研究依據銀行之設立時間、是否由政府持股、是否具金控背景、是否為非商業銀行、資產規模及公司治理結構等特性進行分類，由各類銀行通路招攬之醫療險是否發生短期理賠及短期理賠之總金額判斷其業務品質，並利用logistic迴歸模型及OLS迴歸模型探討合作銀行之特性對銀行保險業務品質之影響。
實證結果顯示，1991年以前設立之舊銀行、商業銀行及大資產規模之銀行的短期理賠狀況較少，契約品質較佳。至於銀行是否由政府持股、是否具金控背景及銀行的公司治理結構等因素則對短期理賠並沒有顯著的影響。理賠金額方面，實證結果則顯示所有銀行特性對於理賠金額之影響都是不顯著的，表示被保險人或許會因為投保銀行之特性影響其申請理賠之機率，但不會因銀行之特性影響申請理賠之金額。 / Bancassurance in Taiwan has been developed rapidly since 2000. In 2009, first year premium (FYP) of life insurance from bank channels exceeds FYP from agent channels for the first time. It is clear that bank channels are very important for life insurance companies. Thus, how to maintain the quality of insurance business from every bank channel becomes a big concern for life insurance companies.
This study judge the quality of insurance business by observing the conditions of claim of permanent health insurance selling in bank channels, and use logistic regression and OLS regression to analyze the relationship between the characteristics of banks and the quality of bancassurance based on the foundation time of banks, the equity possessions of banks, the assets of banks, the corporate governance structure of banks, and so forth.
According to the empirical results, the characteristics of banks affect the probability of short-term claim, but the characteristics of banks do not affect the amount of claim.
| Identifer | oai:union.ndltd.org:CHENGCHI/G0100358001 |
| Creators | 楊書齊, Yang, Shu Chi |
| Publisher | 國立政治大學 |
| Source Sets | National Chengchi University Libraries |
| Language | 中文 |
| Detected Language | English |
| Type | text |
| Rights | Copyright © nccu library on behalf of the copyright holders |
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