保險代理人壽險簽單保費收入及壽險市場占有率預測模型建構之研究

保險為互助性之經濟制度，透過分散危險及分擔損失之運作，對個人及家庭經濟生活與企業經營提供危險管理服務，強調社會團體自助互助的經濟制度，因而會隨著一國的經濟發展、國民生活素質的提高以及對風險意識的增強，而有著階段性的成長發展。因此，保險輔助人的概念及需求則應運而生，因為透過“分工”的作法，降低公司在行銷與訓練上的成本，亦是各保險公司所需面對的課題之一。本文參考保險同業公會所採用的業績衡量指標，即人壽保險業務統計年報，常用指標有下列四種： 1.新契約保費收入； 2.有效契約件數； 3.保費收入； 4.保險給付。因此，本研究期能建立保險代理人壽險簽單保費收入的績效目標，即簽單保費收入的目標額度或透過壽險市場占有率來評估保險代理人的經營方向，故訂其目的有二：一為建構保險代理人壽險簽單保費收入之較適預測模型以作為未來公司的業績目標，即內部經營方向，二為建構保險代理人壽險市場占有率之較適預測模型，，以作為未來公司經營方向的目標，即外部經營方向。研究結果為：一、壽險簽單保費收入或市場占有率近年攀升迅速。二、人身保險保費支出占國民所得比率呈直線成長。三、失業率與存款利率的逐年走勢呈反向關係。四、運用壽險簽單保費收入或市場占有率預測調整業務績效方向。關鍵詞：保險代理人、壽險簽單保費收入、市場占有率、迴歸分析。

關鍵字

保險代理人；壽險簽單保費收入；市場占有率；迴歸分析

並列摘要

Insurance is a cooperative economic mechanism, provides risk control services for either the persons, the families or the enterprises through the operation of risk diversification and loss sharing. It is helpful for oneself and others, there is much growth in insurance market shares along with the economic development, gross national product and enhancing the conscious of risk. Therefore, the concept of insurance agencies and demand rules is produced. In order to reduce the costs of marketing and training by the division of labor is also one of the main subjects of the insurance companies. This paper tries to build the performance indexes of written premium income and survey its business strategy via evaluates the markets shares of the life insurance.

並列關鍵字

Insurance agencies ； Written Premium Income ； Life Insurance Premium Income ； Market Shares ； Regresssion Analysis

參考文獻

2. Pesando, J. E. (1974), he Interest sensitivity of The Flow of Funds Through Life Insurance Companies:An Econometric Analysis, The Journal of Finance, 39:1105-1121.

3. Ravenscraft, D. J. 1983, tructure-Porfit Relationships at the Line of Business and Industry Level, The Review of Economic and Statistics, 65(1):22-31.

4. Shepherd, W. G. 1972, he Elements of Market Structure. The Review of Economic and Statistics, 54(1):25-37.

一、中文部分