銀行通路與保險公司間合作關係與 保險業務品質之研究

• Main Authors: 黃靖宇, Huang, Ching Yu
• Language: 中文
• Published: 國立政治大學
• Subjects: 銀行保險; 合作關係; 業務品質; logistic迴歸; bancassurance; cooperative relationships; quality of bancassurance; logistic regression
• Online Access: http://thesis.lib.nccu.edu.tw/cgi-bin/cdrfb3/gsweb.cgi?o=dstdcdr&i=sid=%22G0100932134%22.

　　在市埸外在環境及法令政策的改變之下，台灣的銀行保險業務自2000年起快速發展，並帶動整體壽險業保費規模的成長。通常壽險公司同時會跟許多家銀行合作推動銀行保險，但與每家合作銀行之合作關係不盡相同，而由於銀行通路對壽險業極為重要，因此壽險公司皆希望所有合作銀行所招攬之保險業務都能有良好的品質，使保險業與銀行業的合作形成雙贏的局面。 　　本研究依據合作銀行之相對談判力、合作銀行與壽險公司間的信賴關係及壽險公司是否持股合作銀行等指標，輔以各銀行通路之醫療險損失情形判斷其業務品質，並藉由logistic迴歸模型及OLS迴歸模型探討銀行保險業務中，合作銀行與壽險公司之間的合作關係對銀行保險業務品質之影響。 　　實證結果顯示，相對談判力小、信任程度高及保險公司有投資股權的合作銀行，其短期理賠的機率較低，而銀行與保險公司間的合作關係對於理賠金額則沒有顯著影響。 === Due to the motivation of macroeconomic environment and the change of regulation, bancasssurance in Taiwan develops quickly these years. In general, life insurance companies sign cooperative contracts with plenty of banks, but the relationship with every bank could be different. All life insurance company wish that the quality of insurance business from every bank channel maintains very well despite the different cooperative relationships. This study evaluate the quality of insurance business by observing the conditions of claim of permanent health insurance selling in bank channels, and use logistic regression and OLS regression to analyze how the relationship between insurance companies and banks affects the quality of bancassurance According to the empirical results, when banks have relatively weaker bargaining power, banks are highly trusted or invested by insurance companies, the quality of bancassurance from the above-mentioned bank channels is better.