影響金融機構保險績效關鍵因素之探討

本研究使用銀行、信用合作社及農會於2016年及2017年之保險績效資料，以探討影響金融機構保險績效之關鍵因素。依據平均數檢定結果顯示，隸屬金控集團之金融機構保險績效優於非隸屬金控集團、僅與一家壽險公司合作之金融機構保險績效優於與多家壽險公司合作、信用合作社之保險績效優於農會、銀行之保險績效優於信用合作社與農會。本研究採用多元迴歸分析，以普通最小平方法進行實證，研究結果顯示存款金額、資本適足率、資產週轉率、保險業務員證照張數與員工具大專以上學歷人數對保險績效呈顯著正向影響。本文之研究結果與建議以期對金融機構保險績效之提升有所助益。

關鍵字

保險績效；銀行保險；銀行；信用合作社；農會

並列摘要

This study uses the insurance performance data of banks, credit cooperatives, and farmers' associations in 2016 and 2017 to investigative the key factors that affect the insurance performance of financial institutions. The mean test results show that the financial institutions affiliated with the financial holding companies (FHC) have better insurance performance than those affiliated with the non-FHC. Moreover, the financial institutions that cooperate with only one life insurance company have better insurance performance than those that cooperate with multiple life insurance companies. The insurance performance of credit cooperatives is better than that of farmers' associations, whereas the insurance performance of banks is better than those of credit cooperatives and farmers' associations. Multiple regression analysis and ordinary least squares method are adopted in this study. The deposit amount, the capital adequacy ratio, the asset turnover ratio, the number of licenses of insurance solicitors, and the number of staff with college education (or above) have significant positive effects on insurance performance of financial institutions. Our results and suggestions are expected to generate certain guidelines that can help further improve the insurance performance of financial institutions.

並列關鍵字

Insurance performance ； bank ； credit cooperative ； farmers' association

參考文獻

Gonulal, S. O., Goulder, N., and Lester, R., 2012, Bancassurance—AValuable Tool for Developing Insurance in Emerging Markets, Policy Research Working Paper 6196. https://doi.org/10.1596/1813-9450-6196

中華民國農會：http://www.farmer.org.tw/，搜尋日期：2020年5月6日。