兩岸保險法制之比較-以產物保險為核心探討

The Comparative Study between Taiwan-China Insurance Legal System -Taking Property Insurance as the Core Issue

邱麗文(Lee-wen Chiu)

指導教授 ： 鄒建中

朝陽科技大學/管理學院/財務金融系/碩士(2009年)

摘要

近年來，兩岸經貿往來密切，由於兩岸特殊政治關係，但兩岸金融往來頻繁，西進大陸的台商也不在少數，如何確保台商在大陸所需的產物保險能夠公平且公正及客觀的投保，才不會讓台商的權益有所損失。
本文研究之目的，以兩岸間所各自施行之保險契約法規為主軸，以產物保險為核心探討，攸關台商在大陸兩岸設廠投資的風險管理，以兩岸保險法立法不同的價值觀及產物保險條例之相異處，以提供台商相較於台灣及大陸如何使用最少的資源獲取最大風險規避的效用。
我國過去保險的發展，經歷了日本殖民﹑光復後及近年來等幾個時期，至今不論在市場的開發或經營上的技術已獲得相當的成果。不過近年隨著金融市場發展的逐次健全，金融商品種類的增加，及2001年保險法令對投資範圍的放寬，產險公司的投資收益增加，但亦使其「金融機構共通之風險」隨之增加，因此對產險公司而言，其於經營時對資產運用的控管，相對而言亦必須比以前更加注意，方可使其經營立於不敗之地。而為維護消費者「知」的權利，今後產險公司的經營現況勢必將更加的透明，以符合時代潮流的需要。
兩岸商務旅遊互動日益頻繁，有必要了解兩岸保險制度差異以保障自我權益。各國政府為保護當地產業發展與消費者權益，大多均規定當地業務需選擇在當地保險業投保，以獲得當地法令保障，大陸地區亦是如此。此外，以財產保險而言，由於牽涉到當地汽車登記﹑貸款融資債權設定和企業費用報銷問題，因此在當地的汽車﹑住宅﹑廠房等財產需要找大陸當地的保險公司投保，更需要了解當地保險相關規定。

有鑑於此，兩岸之間可以針對下列建議來讓兩岸經貿及金融更為密切，一﹑加強兩岸保險監管交流合作，共同應對國際金融危機，二﹑兩岸保險事業合作，共創共榮，三﹑兩岸保險業合作應邁入深層次，四﹑大陸開放保險業到大陸設立分公司及開放保險代理人﹑保險經紀人﹑保險公證人等之資格考試，五﹑台灣產物保險產品可因應時事需求更多樣化。

關鍵字

兩岸保險法之比較 ； 兩岸產物保險之比較

並列摘要

In recent years, economic and trade exchanges between the two sides closer, and as a result of the special cross-strait political relations, but the frequent cross-strait financial exchanges, west of the Taiwan businessmen are also a few mainland, Taiwan businessmen in mainland China on how to ensure that the necessary insurance to a fair and objective and fair coverage, only will not let lose the rights and interests of Taiwan businessmen.
The purpose of this study to the implementation of cross-strait relations by their respective laws and regulations of the insurance contract as the principal axis in order to explore as the core insurance, business stakeholders to set up factories in mainland China cross-strait investment in risk management, to cross-strait insurance legislation and the values of different insurance products The differences in order to provide Taiwan businessmen of Taiwan and the mainland compared to how to use the least resources to maximize the effectiveness of risk aversion.
The development of China''s past insurance experience of the Japanese colonial ﹑ recovery and in recent years after several times, so far in the market regardless of the development or operation of the technology has been a considerable success. But in recent years, with the successive development of the financial markets improve, the increase in the types of financial products, and the Insurance Act 2001, the investment scope of the relaxation of the P & C investment income, but also to "the risk of financial institutions in common," an increase in , so P & C insurance is concerned, its application to operate the control of assets, must also be relatively more attention than before in order to operate in an invincible position. For the protection of consumers "know" the right, the future status of the operation of P & C insurance is bound to be more transparent in order to meet the needs of the trend of the times.
Cross-strait interaction increasingly frequent business travel, it is necessary to understand the difference between the two sides insurance system in order to protect self-interests. Governments for the protection of local industry and the interests of consumers, most of them are required to choose a local business to be insured in the insurance industry in order to obtain the protection of local law, the mainland areas. In addition, property insurance, as related to the local vehicle registration set ﹑ loans and corporate debt financing costs for reimbursement, so the local car factory ﹑ ﹑ residential property, such as the need for the mainland to find local insurance companies, but also need to be aware of the local insurance the relevant provisions.

In view of this, between the two sides to make the following recommendations for cross-strait trade and finance more closely, a ﹑ strengthening insurance supervision of cross-strait exchanges and cooperation to jointly cope with the international financial crisis, two insurance ﹑ cause cross-strait cooperation, to create prosperity, three ﹑ cross-strait cooperation in the insurance industry should enter the deep-seated, four ﹑ the mainland to the mainland, opening up the insurance industry set up branch offices and the opening up of insurance agents insurance brokers ﹑ ﹑ insurance notaries public, such as the qualifying examination of the five products ﹑ Taiwan insurance needs can be more current affairs diversification.

並列關鍵字

Comparison of cross-strait insurance ； Comparison of cross-strait Insurance Law

參考文獻

41.World Trade Properties, L.L.C.v. Hartford Fire Insurance Company,345 f.154(2d Cir.2003)。

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