本文選題：臺(tái)灣地區(qū) + 壽險(xiǎn)業(yè)��； 參考：《西南財(cái)經(jīng)大學(xué)》2013年碩士論文

【摘要】：改革開放以來(lái),我國(guó)內(nèi)地人身險(xiǎn)原保費(fèi)收入由1982年159萬(wàn)元增長(zhǎng)到2012年的1.016萬(wàn)億元,經(jīng)營(yíng)壽險(xiǎn)業(yè)務(wù)的公司,從1982年的1家增長(zhǎng)到2012年的68家,其中中資42家,外資261家。內(nèi)地壽險(xiǎn)業(yè)的發(fā)展在經(jīng)歷快速的發(fā)展階段后,在外部成本上升和政策制約等多重因素作用下,資源約束對(duì)行業(yè)轉(zhuǎn)變發(fā)展方式的倒逼機(jī)制正在形成,壽險(xiǎn)市場(chǎng)轉(zhuǎn)型壓力進(jìn)一步凸顯。 筆者研究臺(tái)灣壽險(xiǎn)市場(chǎng),把臺(tái)灣壽險(xiǎn)市場(chǎng)作為內(nèi)地壽險(xiǎn)市場(chǎng)發(fā)展的一面鏡子。因?yàn)閺?962年開始,臺(tái)灣的壽險(xiǎn)市場(chǎng)經(jīng)歷50多年的發(fā)展,經(jīng)歷了五個(gè)階段,進(jìn)入發(fā)達(dá)階段。臺(tái)灣壽險(xiǎn)業(yè)在20世紀(jì)80年代開始對(duì)外開放,20世紀(jì)90年代完成全面開放,在發(fā)展過(guò)程吸收了國(guó)外發(fā)達(dá)國(guó)家的經(jīng)驗(yàn),市場(chǎng)培育相對(duì)成熟。2011年臺(tái)灣保險(xiǎn)在全球保險(xiǎn)業(yè)排名中,保險(xiǎn)密度為27572美元排名上升至全球第17名；保險(xiǎn)深度以17%再攀新高并蟬聯(lián)世界第一排名,發(fā)展程度居日本和美國(guó)之間。我國(guó)大陸地區(qū)的壽險(xiǎn)業(yè)發(fā)展較之于我國(guó)臺(tái)灣地區(qū)壽險(xiǎn)業(yè)發(fā)展,相對(duì)落后近20年的時(shí)間。研究臺(tái)灣壽險(xiǎn)業(yè)各個(gè)階段的發(fā)展,借鑒臺(tái)灣地區(qū)壽險(xiǎn)業(yè)發(fā)展的經(jīng)驗(yàn),可以促進(jìn)我國(guó)大陸地區(qū)壽險(xiǎn)業(yè)更好更快的發(fā)展。同時(shí),臺(tái)灣壽險(xiǎn)市場(chǎng)目前發(fā)展所遭遇的瓶頸及其解決辦法,可以為大陸地區(qū)壽險(xiǎn)發(fā)展提供參考。 本文以臺(tái)灣的經(jīng)濟(jì)發(fā)展為主線,結(jié)合臺(tái)灣壽險(xiǎn)市場(chǎng)的發(fā)展程度及臺(tái)灣壽險(xiǎn)發(fā)展過(guò)程中的大事件,對(duì)臺(tái)灣壽險(xiǎn)發(fā)展的整個(gè)過(guò)程進(jìn)行了劃分。這樣可以充分了解臺(tái)灣壽險(xiǎn)市場(chǎng)的發(fā)展脈絡(luò),溯本求源。同時(shí),可以對(duì)比分析我國(guó)所處的發(fā)展階段。 文章的主要結(jié)構(gòu)與內(nèi)容：緒論部分,包括研究的背景和意義、文獻(xiàn)綜述、基本思路以及文章的新意與局限。第一章,臺(tái)灣地區(qū)壽險(xiǎn)業(yè)的發(fā)展的五個(gè)階段的分析。本章介紹了臺(tái)灣地區(qū)壽險(xiǎn)險(xiǎn)業(yè)發(fā)展歷史的各個(gè)階段。第二章,對(duì)臺(tái)灣地區(qū)壽險(xiǎn)業(yè)發(fā)展的原因進(jìn)行分析。第三章,臺(tái)灣壽險(xiǎn)業(yè)發(fā)展過(guò)程中面臨的問題與對(duì)策。首先闡述目前臺(tái)灣壽險(xiǎn)業(yè)發(fā)展過(guò)程中面臨的問題,再介紹臺(tái)灣地區(qū)有關(guān)當(dāng)局的作法與對(duì)策,并對(duì)有關(guān)對(duì)策加以評(píng)論。第四章,簡(jiǎn)單闡述一下大陸地區(qū)目前壽險(xiǎn)業(yè)發(fā)展的狀況,指出大陸地區(qū)壽險(xiǎn)業(yè)發(fā)展中的問題,根據(jù)臺(tái)灣地區(qū)的經(jīng)驗(yàn)與教訓(xùn),結(jié)合內(nèi)地的實(shí)際情況,給出一些建議和對(duì)策。 本文的創(chuàng)新點(diǎn)在于：首先,從臺(tái)灣壽險(xiǎn)業(yè)發(fā)展的整個(gè)過(guò)程來(lái)研究,闡述臺(tái)灣地區(qū)人壽保險(xiǎn)的興衰歷程。收集大量的數(shù)據(jù),作為支撐,分析臺(tái)灣壽險(xiǎn)業(yè)發(fā)展的每個(gè)階段在特定環(huán)境的影響下,每個(gè)階段的變化及其特征。借鑒他們成功的經(jīng)驗(yàn),吸取他們失敗的教訓(xùn)。另外,結(jié)合大陸地區(qū)壽險(xiǎn)業(yè)發(fā)展的歷程,對(duì)我國(guó)大陸地區(qū)處于發(fā)展轉(zhuǎn)型期的人壽保險(xiǎn)發(fā)展提出一些建議。 不足之處在于：對(duì)于臺(tái)灣壽險(xiǎn)政策性的文件研究的不多,壽險(xiǎn)業(yè)的發(fā)展一個(gè)是經(jīng)濟(jì)的作用,最重要的是政策的引導(dǎo)。筆者在研究過(guò)程中,難以收集相應(yīng)的資料,對(duì)政策的研讀不夠深入；其次是有些年份的數(shù)據(jù)可以獲得,但是有些年份的數(shù)據(jù)筆者也無(wú)法找到,這就影響了研究結(jié)果的準(zhǔn)確性。關(guān)于臺(tái)灣保險(xiǎn)的文章不少,但是單獨(dú)研究壽險(xiǎn)的發(fā)展的文獻(xiàn)并不多。而且由于筆者研究水平有限能力不足,研究不夠深入。
[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.

【學(xué)位授予單位】：西南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F842.7

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