台湾寿险业的发展演进及对大陆地区寿险业发展的启示

发布时间：2018-04-25 15:07

本文选题：台湾地区 + 寿险业　；参考：《西南财经大学》2013年硕士论文

【摘要】：改革开放以来,我国内地人身险原保费收入由1982年159万元增长到2012年的1.016万亿元,经营寿险业务的公司,从1982年的1家增长到2012年的68家,其中中资42家,外资261家。内地寿险业的发展在经历快速的发展阶段后,在外部成本上升和政策制约等多重因素作用下,资源约束对行业转变发展方式的倒逼机制正在形成,寿险市场转型压力进一步凸显。笔者研究台湾寿险市场,把台湾寿险市场作为内地寿险市场发展的一面镜子。因为从1962年开始,台湾的寿险市场经历50多年的发展,经历了五个阶段,进入发达阶段。台湾寿险业在20世纪80年代开始对外开放,20世纪90年代完成全面开放,在发展过程吸收了国外发达国家的经验,市场培育相对成熟。2011年台湾保险在全球保险业排名中,保险密度为27572美元排名上升至全球第17名；保险深度以17%再攀新高并蝉联世界第一排名,发展程度居日本和美国之间。我国大陆地区的寿险业发展较之于我国台湾地区寿险业发展,相对落后近20年的时间。研究台湾寿险业各个阶段的发展,借鉴台湾地区寿险业发展的经验,可以促进我国大陆地区寿险业更好更快的发展。同时,台湾寿险市场目前发展所遭遇的瓶颈及其解决办法,可以为大陆地区寿险发展提供参考。本文以台湾的经济发展为主线,结合台湾寿险市场的发展程度及台湾寿险发展过程中的大事件,对台湾寿险发展的整个过程进行了划分。这样可以充分了解台湾寿险市场的发展脉络,溯本求源。同时,可以对比分析我国所处的发展阶段。文章的主要结构与内容：绪论部分,包括研究的背景和意义、文献综述、基本思路以及文章的新意与局限。第一章,台湾地区寿险业的发展的五个阶段的分析。本章介绍了台湾地区寿险险业发展历史的各个阶段。第二章,对台湾地区寿险业发展的原因进行分析。第三章,台湾寿险业发展过程中面临的问题与对策。首先阐述目前台湾寿险业发展过程中面临的问题,再介绍台湾地区有关当局的作法与对策,并对有关对策加以评论。第四章,简单阐述一下大陆地区目前寿险业发展的状况,指出大陆地区寿险业发展中的问题,根据台湾地区的经验与教训,结合内地的实际情况,给出一些建议和对策。本文的创新点在于：首先,从台湾寿险业发展的整个过程来研究,阐述台湾地区人寿保险的兴衰历程。收集大量的数据,作为支撑,分析台湾寿险业发展的每个阶段在特定环境的影响下,每个阶段的变化及其特征。借鉴他们成功的经验,吸取他们失败的教训。另外,结合大陆地区寿险业发展的历程,对我国大陆地区处于发展转型期的人寿保险发展提出一些建议。不足之处在于：对于台湾寿险政策性的文件研究的不多,寿险业的发展一个是经济的作用,最重要的是政策的引导。笔者在研究过程中,难以收集相应的资料,对政策的研读不够深入；其次是有些年份的数据可以获得,但是有些年份的数据笔者也无法找到,这就影响了研究结果的准确性。关于台湾保险的文章不少,但是单独研究寿险的发展的文献并不多。而且由于笔者研究水平有限能力不足,研究不够深入。
[Abstract]:Since the reform and opening up, the domestic insurance premium income increased from 1 million 590 thousand yuan in 1982 to 1 trillion and 16 billion yuan in 2012. The company operating life insurance has increased from 1 in 1982 to 68 in 2012, of which 42 are Chinese and 261 foreign capital. The development of the life insurance industry in the mainland is rising and policy in the external cost after the rapid development stage. Under the influence of multiple factors such as constraints, resource constraints on the industry to transform the development mode of forced mechanism is taking shape, and the pressure of life insurance market transformation is further highlighted.
The author studies the life insurance market in Taiwan and regards the life insurance market in Taiwan as a mirror for the development of the life insurance market in the mainland. Since 1962, the life insurance market in Taiwan has experienced 50 years' development, and has gone through five stages and entered the developed stage. The life insurance industry in Taiwan began to open to the outside world in 1980s and completed the full opening in 1990s. The development process absorbs the experience of developed countries in foreign countries. In the relatively mature.2011 year, Taiwan insurance is ranked in the global insurance industry. The insurance density is up to 27572 US dollars to seventeenth in the world, the depth of insurance is 17% and the world is the first in the world. The degree of development is between Japan and the United States. The development of insurance industry is compared to the development of life insurance industry in Taiwan area of China. It is relatively backward for nearly 20 years. Studying the development of every stage of the life insurance industry in Taiwan and drawing on the experience of the development of life insurance in Taiwan can promote the better and faster development of the life insurance industry in the mainland of China. At the same time, the bottleneck and solution of the current development of the life insurance market in Taiwan are also solved. The method can provide reference for the development of life insurance in mainland China.
This paper, taking the economic development of Taiwan as the main line, combined with the development of the life insurance market in Taiwan and the big events in the development process of Taiwan life insurance, divides the whole process of the development of the life insurance of Taiwan, so that we can fully understand the development of the life insurance market in Taiwan and trace its origin. In the same time, we can compare and analyze the development stage of our country.
The main structure and content of the article: the introduction, including the background and significance of the study, the literature review, the basic ideas and the new ideas and limitations of the article. Chapter 1, the five stages of the development of the life insurance industry in Taiwan. This chapter introduces the various stages of the history of the development of life insurance industry in the Taiwan area. The second chapter, the life insurance industry in Taiwan area The third chapter, the third chapter, the problems and Countermeasures in the development of life insurance industry in Taiwan. First, it expounds the problems faced in the development of the life insurance industry in Taiwan, and then introduces the practices and Countermeasures of the relevant authorities in the Taiwan region, and comments on the relevant countermeasures. The fourth chapter briefly expounds the current development of the life insurance industry in the mainland. The status of the exhibition, points out the problems in the development of the life insurance industry in the mainland, and gives some suggestions and Countermeasures in accordance with the experience and lessons of the Taiwan region and the actual situation in the mainland.
The innovation points of this article are as follows: first, from the whole process of the development of the life insurance industry in Taiwan, this paper expounds the history of the prosperity and decline of life insurance in Taiwan. It collects a large amount of data as a support to analyze the changes and characteristics of each stage of each stage of the life insurance industry in Taiwan under the influence of specific environment, and draw on their successful experience. In addition, combined with the history of the development of the life insurance industry in the mainland, some suggestions on the development of life insurance in the transitional period of China's mainland are put forward.
The inadequacies lie in: not much research on the policy of life insurance policy in Taiwan, the development of life insurance industry is an economic role, the most important is the guidance of the policy. In the process of research, the author is difficult to collect relevant information, the study of the policy is not thorough enough; secondly, some years of data can be obtained, but some years The author can not find the data, which affects the accuracy of the research results. There are a lot of articles about Taiwan insurance, but there are few literature on the development of life insurance alone. And the research is not enough because of the limited ability of the author's limited ability.

【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.7

【参考文献】