儲蓄型財產保險係日本財產保險業者首創之保險商品,最早係於1963年推出,其特色係結合「保障」與「儲蓄」之功能為一體。觀察日本保險市場之發展過程可知,儲蓄型財產保險之興盛,為日本財產保險業帶來突破性之發展,亦為其開創歷史上之新頁。 本研究針對儲蓄型財產保險商品之特殊性,進一步提出產險業者研發儲蓄型財產保險商品之適用條件,再藉由日本發展儲蓄型財產保險之經驗,並透過統計資料等實際數據之呈現,輔以說明日本之發展歷史及其貢獻價值,最後就我國產險業經營儲蓄型保險之業務面及財務面,分別探討我國經營儲蓄型財產保險將會面臨之改變與影響,並研擬相關之建議事項,期可供我國未來發展儲蓄型財產保險作為參考,以助發揮儲蓄型財產保險之效益。
The maturity-refund-type insurances were designed by Japanese insurers in 1963. This type of insurance combined protection with savings as the product features. To observe the development of the non-life insurance market in Japan, the maturity-refund-type insurances were flourishing in that period. And also turned a new page of history for non-life insurance in Japan. This study aims at the specifics of the maturity-refund-type insurance and finds further the conditions of research and development for non-life insurers which will be applicable to the maturity-refund-type insurance. Besides, we illustrated development of the maturity-refund-type insurance and value in Japan with related statistical data etc. Next focus on following the aspect of business and finance, analyze the influence on operating the maturity-refund insurance for non-life insurance industry in Taiwan. Finally, offer the related suggestions to develop the maturity-refund insurance into Taiwan market.
為了持續優化網站功能與使用者體驗,本網站將Cookies分析技術用於網站營運、分析和個人化服務之目的。
若您繼續瀏覽本網站,即表示您同意本網站使用Cookies。