保險合作組織型態之探討

A Study on the Type of Insurance Cooperation Organization

簡宣博(Hsuan-Po Chien)

《全球管理與經濟》 16卷2期 (2020/12) Pp. 47-64

https://doi.org/10.6565/JGME.202012_16(2).0004

摘要

保險合作組織為近代保險業發展所不可或缺，盱衡保險業發達國家，無不有相互保險組織及保險合作社等保險合作組織存在，且占整個保險業極大比例。保險合作組織之特長，除在擷取企業經營之優點外，並由保戶參加分配盈餘方式，達成非營利之目標，藉以增進保險消費者之權益。反觀我國之保險市場，除專案成立之漁船保險合作社外，不同之保險合作組織均付諸闕如，為糾正目前保險市場之不正常發展，並為激勵更多型態之保險組織參與競爭，藉以提升保險市場之經營效率與提供消費者更佳之服務，促使不以營利為目的之保險合作組織加入保險市場經營，乃為今後應加緊努力之要務，亦為本文之研究目的。

關鍵字

相互保險公司 ； 保險合作社

並列摘要

Insurance Cooperation Organization is a necessary existence in the modern development of the insurance industry. Mutual insurance company and cooperative insurance society which take a major part in the insurance industry can be found in any developed countries with thriving insurance industry. In addition to harnessing the advantages of corporate management, insurance cooperation organization can achieve the non-profit goal by allowing the insurers to benefit from the surplus. However, except the fishing Boot Insurance Cooperation Society, different others forms of insurance cooperation organizations are lacking in Taiwan. This paper aims to remedy current insufficient development in current insurance market and to encourage competitions among various insurance organizations, hoping that well-developed insurance organizations can increase the management efficiency, provide consumers a better service, and encouraging more non-profit insurance cooperation organizations to join the insurance market.

並列關鍵字

Mutual Insurance Company ； Cooperative Insurance Society