本文選題：臺灣地區(qū) + 壽險業(yè)�。� 參考：《西南財經(jīng)大學》2013年碩士論文

【摘要】：改革開放以來,我國內(nèi)地人身險原保費收入由1982年159萬元增長到2012年的1.016萬億元,經(jīng)營壽險業(yè)務(wù)的公司,從1982年的1家增長到2012年的68家,其中中資42家,外資261家。內(nèi)地壽險業(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,資源約束對行業(yè)轉(zhuǎn)變發(fā)展方式的倒逼機制正在形成,壽險市場轉(zhuǎn)型壓力進一步凸顯。 筆者研究臺灣壽險市場,把臺灣壽險市場作為內(nèi)地壽險市場發(fā)展的一面鏡子。因為從1962年開始,臺灣的壽險市場經(jīng)歷50多年的發(fā)展,經(jīng)歷了五個階段,進入發(fā)達階段。臺灣壽險業(yè)在20世紀80年代開始對外開放,20世紀90年代完成全面開放,在發(fā)展過程吸收了國外發(fā)達國家的經(jīng)驗,市場培育相對成熟。2011年臺灣保險在全球保險業(yè)排名中,保險密度為27572美元排名上升至全球第17名；保險深度以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之間。我國大陸地區(qū)的壽險業(yè)發(fā)展較之于我國臺灣地區(qū)壽險業(yè)發(fā)展,相對落后近20年的時間。研究臺灣壽險業(yè)各個階段的發(fā)展,借鑒臺灣地區(qū)壽險業(yè)發(fā)展的經(jīng)驗,可以促進我國大陸地區(qū)壽險業(yè)更好更快的發(fā)展。同時,臺灣壽險市場目前發(fā)展所遭遇的瓶頸及其解決辦法,可以為大陸地區(qū)壽險發(fā)展提供參考。 本文以臺灣的經(jīng)濟發(fā)展為主線,結(jié)合臺灣壽險市場的發(fā)展程度及臺灣壽險發(fā)展過程中的大事件,對臺灣壽險發(fā)展的整個過程進行了劃分。這樣可以充分了解臺灣壽險市場的發(fā)展脈絡(luò),溯本求源。同時,可以對比分析我國所處的發(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、文獻綜述、基本思路以及文章的新意與局限。第一章,臺灣地區(qū)壽險業(yè)的發(fā)展的五個階段的分析。本章介紹了臺灣地區(qū)壽險險業(yè)發(fā)展歷史的各個階段。第二章,對臺灣地區(qū)壽險業(yè)發(fā)展的原因進行分析。第三章,臺灣壽險業(yè)發(fā)展過程中面臨的問題與對策。首先闡述目前臺灣壽險業(yè)發(fā)展過程中面臨的問題,再介紹臺灣地區(qū)有關(guān)當局的作法與對策,并對有關(guān)對策加以評論。第四章,簡單闡述一下大陸地區(qū)目前壽險業(yè)發(fā)展的狀況,指出大陸地區(qū)壽險業(yè)發(fā)展中的問題,根據(jù)臺灣地區(qū)的經(jīng)驗與教訓,結(jié)合內(nèi)地的實際情況,給出一些建議和對策。 本文的創(chuàng)新點在于：首先,從臺灣壽險業(yè)發(fā)展的整個過程來研究,闡述臺灣地區(qū)人壽保險的興衰歷程。收集大量的數(shù)據(jù),作為支撐,分析臺灣壽險業(yè)發(fā)展的每個階段在特定環(huán)境的影響下,每個階段的變化及其特征。借鑒他們成功的經(jīng)驗,吸取他們失敗的教訓。另外,結(jié)合大陸地區(qū)壽險業(yè)發(fā)展的歷程,對我國大陸地區(qū)處于發(fā)展轉(zhuǎn)型期的人壽保險發(fā)展提出一些建議。 不足之處在于：對于臺灣壽險政策性的文件研究的不多,壽險業(yè)的發(fā)展一個是經(jīng)濟的作用,最重要的是政策的引導(dǎo)。筆者在研究過程中,難以收集相應(yīng)的資料,對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)筆者也無法找到,這就影響了研究結(jié)果的準確性。關(guān)于臺灣保險的文章不少,但是單獨研究壽險的發(fā)展的文獻并不多。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.

【學位授予單位】：西南財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F842.7

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