- 學位論文
我國金融機構小額貸款信用保險之研究
A Study on Financial institution Small Loan Credit insurance
摘要
由於現今產業結構改變，以及我國受金融風暴之影響，多數金融機構逾期放款之情形日趨惡化，金融機構面臨此情況下，其殷切期盼藉由信用保險能夠有效移轉本身承擔之信用風險，再者，我國消費者貸款信用保險，於1986年核准銷售至2003年停賣，其歷年之損失率多超過100%，探究其原因主要為契約內容過於陳舊未能配合時代脈動適時修訂，及未設置適當風險控制之方法，導致金融機構因有保險存在而忽略本身應盡之徵信及風險控制責任，進而使得保險公司賠款率居高不下。 因此，針對於2005年核准開辦之新種信用保險商品，保險契約內容及風險設立控制方法能否符合實際需要，其值得本研究深入檢討與分析。 有鑑於此，本研究係針對「我國金融機構小額貸款信用保險」商品，藉由文獻探討、以理論為基礎，經由保險條款之析論、經營現況之分析、面臨問題之剖析、各國信用保險之比較，及保險契約內各項風險控制約定之分析等，來探究「我國金融機構小額貸款信用保險」之商品特性、經營方向，並對於經營現況其所面臨之問題，提具因應之對策，以供保險業者和主管機關未來經營此業務之參酌，俾使我國信用保險制度更趨健全與完整性。
並列摘要
According to change of industrial structure and financial crisis in Taiwan, the situation of most financing institutions exceed the time limit to loan is gradually worse. On this condition, we want to transfer the credit risk we undertaken by credit insurance. Furthermore, consumer’s loan credit insurance approves to sell in 1986, and stops to sell in 2003. And its ratio of loss every year mostly exceeds 100%. Investigating its main reason is that the content of contracts is too old to match with times and revises it in time. Do not establishing the appropriate way to control risks is the other reason. Therefore, financing institution neglects their essential responsibilities of investigating and controlling risk cause of insurance. Then it makes that the indemnity rate of insurance companies is high. Basis above, can the new kinds of credit insurance products approved in 2005, insurance contract, and way of controlling risks match the real demand? The question is worth to us to research and analysis. Therefore, the research is in connection with the product of financial institution small loan credit insurance , rely on literature, academic base, analyzing articles and the situation of operation, in addition this research also compare with credit insurance in different countries and refer to agreements for risks control in insurance contracts to investigate the product feature and the direction of operation.. Furthermore, this research advances efficacious way to deal with the situation to help insurers and supervisor organization when they have to operate this business in the future and then the system in Taiwan would be integrant and completed.