附保證給付投資型保險商品之購買意願研究

The Study On The Purchase Intention Of Guaranteed Investement Insurance.

陳香妏(Hsiang-Wen Chen)

指導教授 ： 繆震宇

淡江大學/商管學院/風險管理與保險學系保險經營碩士在職專班/碩士(2019年)

https://doi.org/10.6846/TKU.2019.00452

摘要

摘要內容：
　　隨著年金改革議題影響及平均壽命延長、少子化等現象，現今的台灣社會即將在2025年邁入超高齡老人化社會，而如何替自身的退休生活做好完善的資金規劃，無不是一般民眾心中所擔憂的。不管政府未來的勞保年金是否面臨破產的窘境，找尋可保障自身退休資金的理財工具，亦是多數民眾的心聲，然此在國外熱銷的「附保證給付投資型保險商品」，正由國內保險業者競相推廣中，希望藉由此商品「保證給付」的特色來彌補民眾對於退休規劃資金的缺口以及轉嫁長壽的風險。
本研究將透過問卷調查方式，探討影響民眾購買「附保證給付投資型保險商品」的主要因素及民眾對於年金型態的附保證給付投資型保險商品的偏好何種給付類型。且對於購買附保證給付投資型保險商品可接受的保證費用率範圍為何和可以承受的投資風險程度是否影響購買意願。
經實證分析結果顯示：
1.受訪者基本特質與購買意願無顯著關聯。
2.受訪者對於年金之謎的認知與購買意願有顯著關聯。
3.受訪者的預期壽命與購買意願無顯著關聯。
4.受訪者的風險承受度與購買意願無顯著關聯。

關鍵字

年金之謎 ； 保證給付 ； 購買意願

並列摘要

Abstract：
With pension reform issues and the impact on average life expectancy, low birth rate, today’s Taiwan society is about to enter the super elderly society in the 2025,and how to make a safe financial plan for their retirement, is the general public mind is worried about. Regardless of whether the futre government labor insurance annuity dilemma facing bankruptcy, may seek to protect their own retirement funds of financial instruments, is also the voice of the majority ofe the people, then this foreign selling “guaranteed investmet insurance”being used by domestic insurers copeting promotion, hope that through this product “guaranteed payment” features to make up for the gap in public pension plans.

In this study through questionnaires, investigate the effect of people to buy “guaranteed investment insurance” and a major factor for people attach guaranteed pension paymet patterns of investment-oriendted insurance payment commodity type preference. As well as payment for the purchase of guaranteed insurance, akd how many for an acceptable guarantee expense ratio range. By empirical results show：
1.The basic characteristics of respondents with no significant correlattion between purchase inetention.
2.The annuity puzzle of respondents were significant correlattion in cognition and willingness to purchase.
3.In life expectancy of respondents with no significant correlattion between purchase intention.
4.The risk tolerance of respondents with no significant correlattion between purchase intention.

並列關鍵字

Annuity puzzle ； Guaranteed payment ； Purchase intention.

參考文獻

(一)碩士論文

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