壽險公司核保人員對於洗錢防制法因應與風險控管之探討

The study of life insurance underwriter's response and risk management to Money laundering prevention law

張利蘋(Li-Ping Chang)

指導教授 ： 田峻吉

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.2019.00740

摘要

現行因保險商品多樣化及交易行為之特性，易使洗錢行為者透過購買保險商品之行為，達成洗錢目的。過去論文較少從壽險公司角度出發，探討壽險從業人員對於洗錢及資恐防制法的看法，故本研究透過問卷調查壽險核保人員對於洗錢防制之看法，針對洗錢防制相關規範對於核保人員瞭解程度及重要性，並親自訪談參加2018年亞太洗錢防制組織(APG)評鑑之壽險公司核保主管，因應洗錢防制如何制定公司內部相關規範及執行。本論文可以得到下列結果：
1.由單因子變異數分析，本研究發現較高工作職級的主管階級對於防制洗錢及資恐規範較為瞭解，核保人員透過定期洗錢防制教育訓練及處理疑似洗錢案例經驗累積，更容易瞭解洗錢防制相關規範。
2.基於迴歸分析，本研究發現受訪者對於洗錢防制及資恐防制相關法令規範越了解，而且有洗錢防制相關證照，會認為洗錢防制及資恐防制對於壽險業經營越重要。
3.訪談曾經參與2018年APG評鑑的主管，其認為壽險公司應建構洗錢防制系統建置、人員應定期教育訓練及壽險公司應循序調整其內部規範。

關鍵字

洗錢防制法 ； 核保作業

並列摘要

It is easy that money launderers to achieve money laundering through the purchase of insurance products because of the characteristics of life insurance product diversification and trading behavior. Nearly no previous papers discussed the issues relating to the money laundering and anti-terrorism prevention from the perspective of life insurance companies. Therefore, the purpose of this study is to investigate the money laundering and anti-terrorism prevention issues from the perspective of life insurance companies based on the questionnaires and in-deapth interview methodologies. The results are shown as the follows.
1.According to ANOVA analysis, the empirical results support the staff with higher job positions is more aware of the prevention of money laundering law and terrorism regulation. The life insurance underwriters will have more experience through regular money laundering training and cases.
2.According to logistic regression model, the empirical results support the life insurance underwriters with more understanding of money laundering and anti-terrorism prevention, and money laundering licenses, have considered these two issues are more important for operations of life insurance companies.
3.Based on the interviews with life insurance company's underwriting director who participated in the 2018 Asia-Pacific Money Laundering Prevention Organization (APG) appraisal, he thinks how to formulate the company's internal regulations, the regular money laundering training and the implementation in the response to money laundering are important for life insurance companies.

並列關鍵字

Money laundering prevention law ； Underwriting work

參考文獻

參考文獻

一、中文文獻

1.王心汝，2018年，防制洗錢資料庫建置之研究，東吳大學經濟學系碩士論文。

2.王正興，2018年，刑法觀點下的新修正洗錢防制法－與國際規範接軌為研究，中國文化大學法律學系碩士論文。

3.王聖傑，2018年，洗錢行為之防制機制與金融監理，東吳大學法學院法律學系碩士班論文。