我國產險業經營儲蓄型保險之研究

儲蓄型財產保險係日本財產保險業者首創之保險商品，最早係於1963年推出，其特色係結合「保障」與「儲蓄」之功能為一體。觀察日本保險市場之發展過程可知，儲蓄型財產保險之興盛，為日本財產保險業帶來突破性之發展，亦為其開創歷史上之新頁。本研究針對儲蓄型財產保險商品之特殊性，進一步提出產險業者研發儲蓄型財產保險商品之適用條件，再藉由日本發展儲蓄型財產保險之經驗，並透過統計資料等實際數據之呈現，輔以說明日本之發展歷史及其貢獻價值，最後就我國產險業經營儲蓄型保險之業務面及財務面，分別探討我國經營儲蓄型財產保險將會面臨之改變與影響，並研擬相關之建議事項，期可供我國未來發展儲蓄型財產保險作為參考，以助發揮儲蓄型財產保險之效益。

關鍵字

儲蓄型財產保險；財產保險；滿期返還金；保險長期化

並列摘要

The maturity-refund-type insurances were designed by Japanese insurers in 1963. This type of insurance combined protection with savings as the product features. To observe the development of the non-life insurance market in Japan, the maturity-refund-type insurances were flourishing in that period. And also turned a new page of history for non-life insurance in Japan. This study aims at the specifics of the maturity-refund-type insurance and finds further the conditions of research and development for non-life insurers which will be applicable to the maturity-refund-type insurance. Besides, we illustrated development of the maturity-refund-type insurance and value in Japan with related statistical data etc. Next focus on following the aspect of business and finance, analyze the influence on operating the maturity-refund insurance for non-life insurance industry in Taiwan. Finally, offer the related suggestions to develop the maturity-refund insurance into Taiwan market.