| Summary: | 碩士 === 國立政治大學 === 風險管理與保險研究所 === 101 === Bancassurance in Taiwan has been developed rapidly since 2000. In 2009, first year premium (FYP) of life insurance from bank channels exceeds FYP from agent channels for the first time. It is clear that bank channels are very important for life insurance companies. Thus, how to maintain the quality of insurance business from every bank channel becomes a big concern for life insurance companies.
This study judge 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 the relationship between the characteristics of banks and the quality of bancassurance based on the foundation time of banks, the equity possessions of banks, the assets of banks, the corporate governance structure of banks, and so forth.
According to the empirical results, the characteristics of banks affect the probability of short-term claim, but the characteristics of banks do not affect the amount of claim.
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