金融化的崛起與失落：產業重組下的保險經紀人公司及其生命金融化技術

本論文以保險經紀人公司為主要研究對象，試圖以此折射出兩股對當代影響甚劇的龐大潮流──新自由主義與金融化──座落在國家、產業、常民之上時，橫跨不同尺度的影響和摩擦。第一步，從宏觀視角出發，我將透過追溯臺灣的金融自由化歷史，以及作為金融工程的IFRS17新會計準則，指出一種更具動態的金融化觀看方式；第二步，進入到企業內部，我指出業務員的個人企業家自我想像，以及非正式金融文本作為內部課程教育內容，與集體金融風險的關係，提供臺灣金融產學界理解風險的另類觀點；第三步，我追查凱瑞保險經紀人公司的銷售實踐，觀察他們將人壽保險包裝成「退休規劃」的技術，並將其命名為「生命金融化技術」，說明在近年臺灣新自由主義化下越趨不穩定的社會生活中，他們如何透過數字算計、投資組合安排、在地文化、情感技術的掌握，將人類生命轉化成金融資本以及懂得金融管理的自我。並在結語，指出當前保險產業上層對保險科技的擁護，以及對產業變遷的市場想像，可能忽略了下層業務員的生命金融化技術與科技並進的可能性。

關鍵字

金融化；新自由主義；新會計準則IFRS17 ；保險經紀人；人壽保險

並列摘要

By studying insurance broker companies, this thesis aims to reflect how the two most influential contemporary trends, neoliberalism and financialization, contact with governments, industries, and citizens across multi-dimensional impact and resistance. First, I point out a more dynamic perspective in financialization studies through the macrohistory of financial liberalization in Taiwan and IFRS17 as a new accounting standard in financial engineering. Second, I propose an alternative way of examining financial risks by illustrating the Salesman as “the entrepreneur of the self” and informal financial texts as internal core educational syllabus. Third, I investigate the selling practices of salesmen from Can-Reach Insurance and observes how they advertise “life insurance” as a retirement plan, known as “life financialization techniques”, in this thesis. It further illustrates how those salesmen master calculating skills, portfolio arrangement, local culture, sentiment techniques to transform life forms into financial capital and motive the self-awareness of financial management under the recent precarious neoliberal society. In conclusion, I point out the current embracing of insurance techniques among the insurance industry management may neglect the multiple possibilities of “life financialization techniques” and technological advancement from those salesmen/non-managerial employees.