對簿公堂或迎合客戶?以台灣保險業營運績效為例

To court or cater to customers?Take Taiwan's insurance industry operating performance as an example

楊羿玄(Yi-Hsuan Yang)

指導教授 ： 劉文謙

中原大學/商學院/財務金融研究所/碩士(2018年)

https://doi.org/10.6840/cycu201800278

摘要

近幾年，台灣的金融產業發展的相當快速，其中又以保險業的普及率以及市場競爭最為明顯，因此在如此競爭的產業中，各家保險公司的營運績效也成為眾人矚目的焦點。然而，在過去的文獻中，大多數都是只針對保險公司的監管、公司治理及結構等方面對營運績效進行研究，因此不同於過去文獻，本研究將針對各家保險公司理賠及訴訟等九大指標以及資料取得能見度來做觀察，並探討這些指標是否會影響各家保險公司的營運績效，並逐一釐清這些問題，以彌補過去文獻的不足。而本研究的研究結果如下：九大和保險理賠及訴訟的相關指標，以及保險公司的資料取得能見度，的確都會影響到一家保險公司的營運績效，但是其中又以壽險公司所受到的影響較為劇烈，而產險公司只有在當實際有向產險公司申請保險理賠的件數增加時，公司的績效才會被受到影響。

關鍵字

保險業 ； 保險監管 ； 保險理賠 ； 保險訴訟

並列摘要

In recent years, Taiwan’s financial industry has developed quite rapidly, where the insurance industry’s penetration rate and market competition being the most obvious. Therefore, in such a competitive industry, operating performance of various insurance companies has become the focus of attention. However, in the past study, most of them only studied the performance of the insurance companies in terms of supervision, corporate governance, and structure. Therefore, unlike the previous study, this study will focus on the nine indicators of insurance companies’ claims and litigation, as well as the visibility information obtained. And to explore whether these indicators will affect the operating performance of various insurance companies, and to clarify these issues one by one to make up for the inadequacies of the previous study. The research results of this study are as follows: nine indicators of insurance companies’ claims and litigation, as well as the visibility information obtained, will indeed affect the operating performance of an insurance company, but the life insurance companies are affected more severely. However, the performance of the property company will only be affected when there is actually an increase in the number of applications for insurance claims.

並列關鍵字

Insurance ； Insurance Supervision ； Insurance Claims ； Insurance Litigation

參考文獻

一、英文文獻

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