保險代理人佣酬支付模式之研究

鑑於世界保險先進國家對於保險代理人佣酬支付模式已朝向多元、彈性化，目前我國保險業雖然已費率自由化，但保險代理人佣酬支付標準仍受限於主管機關相關法令之規範，採行過去統一固定方式，形成保險代理人不同工卻同酬之現象。保險代理人之授權範圍亦侷限於業務招攬功能，無法充分發揮其他功能，影響保險代理人專業素質之提昇，提高保險代理人的地位。反觀美國、日本等保險先進國家對保險代理人已採行分級管理模式、全面性考量保險代理人佣酬支付模式之合理性、代理人佣酬支付模式亦屬公司治理範疇，期藉此些模式可成為輔助我國保險事業發展之借鏡。本研究藉由對保險代理人佣酬制度過去的背景沿革之簡要介紹、現況說明及檢討分析，同時提出(一)單因子模式、(二)雙因子模式、(三)多因子模式等三項佣酬支付模式，各別提出其特色、主要支付模式、理想支付模式及舉例說明各別支付模式之適用性。最後，綜合前述所有結論，共提出8項建議事項，俾供爾後建構我國保險代理人佣酬支付模式標準化相關事宜以及主管機關與保險相關單位參酌，有所裨益。期望共同協助我國保險事業朝向國際化，與世界保險先進國家並駕齊驅。

關鍵字

保險代理人；佣酬；佣金

並列摘要

The countries adopting an advanced insurance system in the world have executed diversified and flexible commission payment models for insurance agents. Although the premium rate of the insurance industry has been deregulated in Taiwan, the standards of the commission payments for the insurance agents are still subject to relevant regulations of the competent authorities. The traditional fixed rate leads to unequal pay for the same kind of work. The authorization to the insurance agent is limited to business solicitation functions without taking the development of other functions into account. This may affect the professionalism of the insurance agent and promotion of his/her status. On the other hand, the countries, such as the USA and Japan, that adopt advanced insurance systems have been implementing a graded management model and comprehensively considering the reasonableness of the commission payment models for the insurance agents. These models are the elements of the corporate governance and can be used as a reference for the development of the insurance business in Taiwan. Through a brief introduction of the background and history of the commission payment system for insurance agents, an overview of the status quo and the description of the retrospective analysis, this study presents the following three commission payment models: (1) one-factor model, (2) two-factor model, and (3) multi-factor model, and explains the characteristics of each payment model, the main and ideal models and the applicability of each model. In conclusion, this study integrates all the arguments into 8 suggestions and presents them as a reference for the competent authorities and insurance-related agencies in the standardization of the commission payment model for insurance agents in Taiwan, in the hope of jointly assisting in the internationalization of the insurance business in Taiwan and keeping pace with the country’s executing advance insurance systems.