整合性存款保險之研究

The Study of Integrated Deposit Insurance

陳柏宇(Po-Yu Chen)

指導教授 ： 廖述源

共同指導教授 ： 呂慧芬(Hui-Fen Lu)

淡江大學/商管學院/保險學系保險經營碩士班/碩士(2015年)

https://doi.org/10.6846/TKU.2015.01060

摘要

隨著經濟環境的變遷，與保險的普及，國民除了將錢財存入銀行滋養生息外，亦會將部分金錢用來購買保險。銀行存款有存款保險負責提供保障，保險業的部分則由安定基金來確保被保險人之權益。我國存款保險與安定基金目前為兩套互相獨立之體制，而國際上已有所謂「整合性保障制度」之體制出現，值得台灣效仿。
本研究主要先分別對韓國、英國及馬來西亞等三個國家的整合性保障制度做一概略性之介紹，包含各國制度之起源背景與現況、保障範圍與額度、基金與費率結構、風險控管與監理等層面。接著再將此三個國家之制度做一橫向之比較，最後再研擬相關建議事項，做為我國日後推行整合性存款保險制度之參考。

關鍵字

整合性存款保險 ； 整合性保障制度 ； 破產保證支付制度

並列摘要

With the changing economic environment and the popularity of insurance, people not only earn interest by saving money in banks but also purchase insurance for additional coverage. On one hand, Central Deposit Insurance Corporation (CDIC) is responsible for providing the guarantee of bank deposits. One the other hand, Taiwan Insurance Guaranty Fund (TIGF) is responsible for protecting the rights and interests of the insured. CDIC and TIGF are two independent systems. However, a system which combines all financial schemes together has emerged internationally in recent years. It is known as "Integrated Protection Schemes" that Taiwan should consider adopting.
In view of this, this dissertation firstly introduces the Integrated Protection Schemes in Korea, United Kingdom, and Malaysia. The introduction includes the background of its origin and current status, coverage range and limits, the structure of funds and premium rate, system of risk control and supervision. These various aspects as practiced in these three countries are in turn compared and discussed. After that, relevant recommendations are provided as references for future implementation of Integrated Deposit Insurance System in Taiwan.

並列關鍵字

Integrated Deposit Insurance ； Integrated Protection Schemes

參考文獻

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