台灣保經代公司簽署人制度之探討

[[abstract]]自2001年金融控股法通過後，台灣之銀行、證券、農漁會、信合社等金融機構為積極發展銀行保險業務，紛紛成立保險代理人公司或保險經紀人公司，不論是以共同行銷或合作推廣的方式來進行保險招攬。然而，隨著銀行保險的業務量與市佔率的大幅提升，對於保險契約招攬品質與保護消費者之相關法令或規定更為彰顯，其中，保險經代公司所聘僱的簽署人能否適時發揮功能便是重要關鍵。本文針對現行保險經紀人、保險代理人管理規則中有關簽署人制度與現行實際執業現況提出探討，盼使主管機關能正視並儘早建立完善的簽署人制度，以利保險經紀人或保險代理人公司的良善發展。[[sponsorship]]淡江大學保險學系; 西南財經大學保險學院[[conferencetype]]兩岸[[conferencetkucampus]]台北校園[[conferencedate]]20131214~20131214[[booktype]]電子版[[iscallforpapers]]Y[[conferencelocation]]臺北市, 臺

體驗行銷對顧客滿意度與顧客忠誠度影響之研究-以壽險公司服務中心為例

[[notice]]補正完

Test and Significance of CEA, NSE, CA125, CYFRA21-1 in Lung Cancer

目的 探讨CEA、NSE、CA125、CYFRA21-1在肺癌中的检测及意义.方法 回顾性分析2015年10月—2016年12月医院收治的肺部疾病患者166例,其中89例肺癌患者设为肺癌组,其余77例肺部良性病变患者设为肺部良性病变组.另选择35名健康志愿者作为健康对照组,电化学发光法检测3组血清中CEA、NSE、CA125、CYFRA21-1含量,分析单项及联合检测对肺癌的诊断价值.结果 肺癌组患者血清CEA、NSE、CA125、CYFRA21-1分别为（4.32±0.83）ng/mL、（11.54±4.17）ng/mL、（37.89±6.69）U/mL、（4.02±0.56）ng/mL,均高于肺部良性病变组和健康对照组,差异有统计学意义（P〈0.05）.肺部良性病变组和健康对照组血清CEA、NSE、CA125、CYFRA21-1比较差异无统计学意义（P〉0.05）.CEA、NSE、CA125、CYFRA21-1单项诊断肺癌的敏感性偏低,特异度较高;而四项联合检测诊断肺癌的敏感性显著升高,为87.64%,差异有统计学意义（P〈0.05）;特异度略有降低,差异无统计学意义（P〉0.05）.结论 肺癌患者血清中CEA、NSE、CA125、CYFRA21-1升高,四项联合检测可以提高对肺癌的诊断准确性.Objective To study the test and significance of CEA, NSE, CA125, CYFRA21-1 in lung cancer. Methods 166 cases of patients with lung diseases admitted and treated in our hospital from October 2015 to December 2016 were selected and divided into the lung cancer group with 89 cases and lung benign lesion group with 77 cases in each, and 35 cases of healthy volunteers were selected as the control group, and the contents of CEA,NSE,CA125,CYFRA21- 1 in serum of the three groups were tested by the electrochemiluminescence, and the diagnosis value of single and com- bined test for lung cancer was analyzed. Results The serum CEA,NSE,CA125,CYFRA21-1 in the lung cancer group were respectively （4.32±0.83）ng/mL, （ll.54±4.17）ng/mL, （37.89±6.69）U/mL, （4.02±0.56）ng/mL; which were higher than those in the lung benign lesion group and healthy control group, and the differences were statistically significant （P〈0.05）, and the differences in the CEA,NSE,CA125,CYFRA21-1 in serum between the lung benign lesion group and healthy control group were not statistically significant （P〉0.05）, and the sensitivity of single diagnosis of CEA,NSE, CA125,CYFRA21-1 for lung cancer was lower and the specificity was higher, but the sensitivity of four combined test in diagnosis of lung cancer .obviously increased, （87.64%）, and the difference was statistically significant（P〈0.05）, the specificity slightly decreased, and the difference was not statistically significant （/9〉0.05）. Conclusion The CEA, NSE, CA125, CYFRA21-1 in serum of patients with lung cancer increase, and the four combined test can improve the diag-nostic accuracy of lung cancer

Ownership Structure and Reinsurance Decisions: Evidence from the Property Casualty Insurance Industry in China

[[abstract]]This study examines the impact of ownership structure on reinsurance decisions in the Chinese property casualty insurance industry. The evidence shows that foreign insurers have higher reinsurance demand than domestic insurers. Specifically, foreign insurers are more likely to purchase volunteer reinsurance. More important, foreign insurers are associated with a higher percentage of facultative reinsurance ratios than domestic insurers. Implementing the compulsory reinsurance ratio in the Chinese insurance market before 2006 is inefficient. Finally, regulation of compulsory reinsurance ratio affected the reinsurance demand in 2006. For example, insurers with a 10 percent compulsory reinsurance ratio in 2004 had significantly different reinsurance demand from that of insurers without compulsory reinsurance after 2006. The overall results of this study indicate that ownership structure and other characteristics of firms’ significantly affect the demand for reinsurance.[[sponsorship]]淡江大學保險學系; 西南財經大學保險學院[[conferencetype]]兩岸[[conferencetkucampus]]台北校園[[conferencedate]]20131214~20131214[[booktype]]紙本[[iscallforpapers]]Y[[conferencelocation]]Taipei, Taiwa

[[alternative]]A study on risk management of underwriting operational risk for life insurance

[[abstract]]近年來由於保險商品不斷創新及多元化、保險詐欺的盛行、相關法令的變更頻仍，使得核保作業越趨於複雜化。此外國內外發生公司內部員工舞弊的事件，均使得公司遭受極大的損失、商譽受損甚至倒閉。本研究依據保險業風險管理實務守則中的作業風險分類，將壽險核保作業風險區分為四大類，自各種可能的風險因素中，找出關鍵的影響因素。並針對個人壽險核保作業流程之重要作業點，依可能產生的風險因素，建立監控機制。本研究採專家問卷方式，將調查結果依各項核保作業風險因子的發生機率及可能造成公司營運影響程度建立風險地圖，提供壽險公司制定核保政策與風險評估之參考，以避免或降低作業風險並確保經營安全。 In recent years, the innovation and diversification of the insurance product, fraud prevalence, and modification of insurance product laws led to the complication in underwriting process. Besides, the occurrence of fraud within the insurance company’s employees resulted in the company’s substantial losses, the damage of the commercial goodwill, and the collapse of the company. This study was based on the classifications of the Code of Practice of Insurance risk Management, and divided the risk life insurance underwriting operations into four categories. Moreover, this study also identified the key significant factors for individual life insurance underwriting processes from the various possible risk factors to establish monitoring mechanism. This study was based on Expert Delphi survey. After conducting the questionnaire and collecting the feedbacks, the experts’ opinions of the survey would reach the consensus. The consequence of this study would establish a risk mapping by the probability and the corporation operating influential level of various underwriting risk factors’ occurrence, providing the risk assessments and references for the life insurance company’s underwriting directors to impose the underwriting policies, and to avoid or reduce operational risk to ensure the safety of the insurance company.[[notice]]補正完畢[[journaltype]]國內[[ispeerreviewed]]Y[[booktype]]紙本[[iscallforpapers]]N[[countrycodes]]TW

公司治理對壽險業自由現金流量影響之研究

[[sponsorship]]東吳大學財務工程與精算數學系[[conferencetype]]國內[[conferencedate]]20130518~20130518[[booktype]]紙本[[iscallforpapers]]Y[[conferencelocation]]臺北市, 臺

壽險業設立風險管理機制對風險承擔之影響

[[abstract]]近年來發生許多金融醜聞都突顯企業風險管理之重要性，也提高主管機關與保險業對風險管理的意識，因此主管機關修正保險業公司治理實務守則與頒布保險業風險管理實務守則，各壽險公司遵循相關法令規範設立風險管理委員會、風控長、風險管理部門等風險管理機制。本研究以2006年至2012年台灣23家壽險公司為樣本，檢視目前台灣壽險業之風險管理機制與公司風險承擔間之關係。實證結果顯示，設立風控長與風險呈顯著正相關、設立風險管理部門與風險呈顯著負相關、設立風險管理委員會則與風險無關。此外，自2015年開始，主管機關要求保險公司風控長須具有獨立性，不可兼任其他業務或財務部門的職務。本研究發現當風控長兼任其他業務或財務部門的職務時，將減少公司所承擔之風險。本研究亦考量金控公司、家族企業與公開發行公司等不同組織結構之風險管理機制對風險承擔之影響，研究發現金控公司與家族企業背景的壽險公司，其設立風險管理部門相較於非金控公司與非家族企業，公司的風險增加。此外公開發行之壽險公司設立風險管理委員會與風控長較非公開發行之壽險公司減少風險承擔的行為。在公司治理變數上，公司成立時間與風險承擔呈一倒U型曲線、而公司規模、資產報酬率與風險承擔行為皆呈顯著負相關。[[sponsorship]]東吳大學財務工程與精算數學系[[conferencetype]]兩岸[[conferencedate]]20150417~20150418[[booktype]]紙本[[iscallforpapers]]Y[[conferencelocation]]台北市, 台

總經理更迭與公司治理機制對臺灣壽險業經營績效之研究

[[abstract]]本研究探討台灣壽險業總經理(Chief Executive Officer，CEO)更迭，在公司治理機制下對經營績效的影響。本研究樣本為1998至2012年14家台灣公開發行壽險公司，資料來源為台灣證券交易所公佈總經理異動宣告事件及各家公司股東會財務年報，共145筆樣本資料，利用以不平衡追蹤資料模型進行迴歸實證分析。 總經理更迭實證結果發現，總經理更迭對於經營績效無顯著相關，符合代罪羔羊理論。若細分更迭類型，結果顯示自願性更迭為顯著負向關係，符合惡性循環理論;強迫性更迭為顯著正向關係，符合常識理論。 公司治理部分，結果顯示董事會規模大小、董事長兼任總經理、獨立董事比例與經營績效呈顯著負相關；在股權結構分析中發現，大股東持股與績效呈顯著正相關，符合利益收斂假說。本文進一步探討金融海嘯與法令規範修正對於公司治理機制是否影響經營績效。研究發現，金融海嘯對於公司治理機制無顯著影響；法令規範修正後，董事會規模大小、董事長兼任總經理與經營績效呈顯著負向關係。 本研究亦探討總經理教育學歷背景是否影響公司經營績效，研究發現學歷背景為行銷管理或法律專業相對於財務投資專業領域之總經理，經營績效表現較佳。[[sponsorship]]台北科技大學經營管理系[[conferencetype]]國內[[conferencedate]]20140613~20140613[[iscallforpapers]]Y[[conferencelocation]]臺北市, 臺

Actuaries Switching and Reserve Error in the U.S. Property Casualty Insurance Industry

[[abstract]]This paper aims to examine the U.S. property casualty insurer’s loss reserve error in relation to actuaries switching. The results of this paper show that property casualty insurance companies with under-estimated (or over-estimated) reserve error in the previous year are not significantly to switch their actuaries while controlling for organizational structure and corporate governance. The evidence also shows that there is not significant changes in loss reserve error behavior between external (Big 6) and internal (non-Big 6) actuaries switching. We find that stock insurers are more likely to switch their actuaries than mutual insurers. Large Insurers are less likely to switch their actuaries. Insurers with weak financial condition are also less likely to switch their actuaries. We next examine the impact of actuaries switching on future reserve error. We find insurers are less likely to under-estimated reserve error after actuaries switching. In addition, after actuaries switching, stock insurers are more likely to under-estimated reserve error than mutual insurers. Examination of the impact of the Sarbanes-Oxley Act (SOX) on reserve error indicates that insurers are more likely to switch actuaries after SOX. After SOX, insurers with actuaries switching are less likely to under-estimated reserve error and more likely to over-estimated reserve error. The overall results show that reserve error in the previous year does not affect actuaries switching but actuaries switching have impact on insurers’ reserve error in the next year.[[sponsorship]]逢甲大學風險管理與保險學系[[conferencetype]]國際[[conferencedate]]20141213~20141213[[booktype]]電子版[[iscallforpapers]]Y[[conferencelocation]]台中市, 台

[[alternative]]An Investigation on the Signatory System of Insurance Brokers and Agents in Taiwan

[[abstract]]自2001年金融控股法通過後，台灣之銀行、證券、農漁會、信合社等金融機構為積極發展銀行保險業務，紛紛成立保險經紀人公司或保險代理人公司，以共同行銷或合作推廣的方式進行保險行銷。因此，隨著銀行保險業務量與市佔率的大幅提升，使得主管機關對保險經紀人與保險代理人的監理強度及對於消費者投保權益的保護格外重視。本文係針對我國保險經紀人與保險代理人管理規則中，有關簽署人制度與現行實際執業現況進行探討。藉由本文之結論與建議，提供主管機關或保險經紀人與保險代理人所屬公會對簽署人制度管理上之參考，以利保險經紀人與代理人公司的良善發展。[[notice]]補正完畢[[journaltype]]國內[[incitationindex]]ACI[[ispeerreviewed]]Y[[booktype]]電子版[[countrycodes]]TW