台灣保險市場進入障礙之研究 -以美商大都會人壽保險公司為例

The Research of Entry Barriers in Taiwan Insurance Market -A Case Study on Metlife Insurance Inc. The Research of Entry Barriers in Taiwan Insurance Market -A Case Study on Metlife Insurance Inc. The Research of Entry Barriers in Taiwan Insurance Market-A Case Study on Metlife Insurance Inc.

林秀倫(Shiu-Lun Lin)

指導教授 ： 吳克

健行科技大學/商學院/國際企業經營系碩士班/碩士(2014年)

摘要

外商保險公司對台灣的保險業貢獻良多，金融海嘯引發一連串的外商保險公司出走潮，許多各國知名的壽險集團，紛紛出售台灣的業務單位。保險產業影響層面廣大，眾多保戶的權益及大量資金的移轉，都會造成社會經濟面的動盪，也將使社會大眾對保險產業產生疑慮 。
外商保險公司進入台灣市場，所必須面對的進入障礙，是每一個想要進入台灣市場的外商保險公司，都必須要注意的關鍵。
本研究選擇已撤出台灣市場的美商大都會保險公司為個案研究，藉由深度訪談及相關資料的整理分析，找出大都會保險公司放棄台灣市場的原因，探討外商保險公司不可忽視的進入障礙。研究結果認為台灣保險市場的進入障礙分為三大類型:第一受政治、法律制度影響的法規問題以及IFRS4的施行、第二受經濟及資本面的影響，低利率環境所造成利差損的問題、第三區域的影響。

台灣壽險業存在著進入障礙，使得近幾年來外商壽險公司，變動頻繁，凡此種種，
對於台灣人民和外商壽險公司都是一種打擊。最後，本研究提出對業者的建議，提醒業者注意台灣壽險業發展的現況，也希望政府能發展更有利的經營環境，吸引外資來台，更進一步和業者共同合作，降低進入障礙的影響，繼續為台灣保險市場的前景攜手奮鬥。

關鍵字

保險業 ； 利差損 ； 國際會計準則 ； 進入障礙

並列摘要

Foreign insurance companies make significant contribution to Taiwan’s insurance industry. Financial tsunami triggered exodus of foreign insurance companies successively, causing many famous international insurance companies sold out their business units in Taiwan one after another. Insurance industry normally influenced on much wider aspects. Transference of a lot of policy holders’ interests and a large amount of funds would result in not only economic turmoil in the society but also general public’s doubts about insurance industry.
Any foreign company must face entry barriers when accessing to Taiwan market, which is a key to be noticed.
This research selected Metlife Insurance Company that has withdrew from Taiwan market as case study to find out the reason of giving up Taiwan market through deep interview and analysis of the relevant data and explore entry barriers not to be ignored by foreign insurance companies
This research considered that there’re four types of entry barriers in Taiwan insurance market: First type, the problem of regulations that are affected by political and legal system and IFRS4 implementation; second type, the problem of negative spread that is caused by low interest rate environment resulted from influence of economic and capital aspects; third type, influence of regional aspect.
In the recent years, the existence of entry barriers in Taiwan insurance industry has made frequent change in foreign insurance companies. All of these will strike Taiwan people and foreign insurance companies. Finally, this research proposed and reminded that industrialists should pay attention to the current situation of the development of Taiwan insurance industry, also hoping that the government can develop more favorable business environment to attract foreign investment to Taiwan, and further cooperating with the industrialists to reduce influence of entry barriers for prospect of Taiwan insurance market.

並列關鍵字

Insurance industry ； negative spread ； IFRS4 ； entry barriers

參考文獻

參考文獻

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(2) 王寸九，「人壽保險經營銀行保險之研究」，政治大學經營管理碩士學程碩士論文

2003。

(3) 文崇一、楊國樞，訪問調查法;社會及行為科學研究法，下冊，東華書局，2000。