金融機構經營保險業務之研究

A Study of the Insurance Operation in Financial Institutions

蔡蓓琪(Pei-Chi Tsai)

指導教授 ： 何佳玲

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.2019.00531

摘要

本研究以33家銀行、17家信用合作社及27家農會於2016年及2017年之保險績效與相關財務資料等進行分析，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之金融機構、信用合作社保險績效優於農會、銀行之保險績效優於信用合作社與農會。本文以普通最小平方法(OLS)進行廻歸分析，研究結果顯示金融機構存款金額、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。本研究結果可供金融機構經營保險業務之參考，並對未來提升保險績效有實質的助益。

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 analyzes the insurance performance and financial information of 33 banks, 17 credit cooperatives and 27 farmers' associations in 2016 and 2017. The results of T test show that the financial institutions affiliated to the financial holdings group have better insurance performance than the non-financial holdings group, and the financial institutions that cooperate with a life insurance company have better insurance performance than financial institutions that cooperate with many life insurance companies. Credit cooperatives' insurance performance is better than that of farmers' associations. The banks insurance performance is better than that of credit cooperatives and farmers' associations. The results show that the financial institutions deposit amount, capital adequacy ratio, asset turnover rate, the number of insurance licenses acquired by insurance sales representatives and the number of personnel with college education or above have a significant positive impact on insurance performance. The results of this study can be used as a reference for the insurance operation in financial institutions and, at the same time, have substantial benefits for future insurance performance.

並列關鍵字

insurance performance ； bancassurance ； bank ； credit cooperative ； farmer’s association

參考文獻

中文文獻：

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