邱顯比教授臺灣大學：商學研究所碩士在職專班財務金融組戴英祥Tai, En-ShiangEn-ShiangTai2007-12-032018-06-292007-12-032018-06-292007http://ntur.lib.ntu.edu.tw//handle/246246/63745台灣產險業從過去40年發展經過保護期、開放期，以及面對即將到來的2008年全面走入市場自由化。對於產險業的經營來說，時代的快速演變產生了較諸以往更多的新興風險，雖然傳統再保險仍然扮演極為重要的風險管理角色，然而歷經美國911恐怖攻擊事件及多重天災、巨災的衝擊，影響了全球再保險的能量及生態演變；保險與再保險的關係也從依賴調整為合作模式，此亦表示保險公司需具備自主性的風險管理，正猶如一位優秀的運動選手必須不斷自我提升，向更高更大的發展極限作挑戰。 本論文重點從介紹產險有關的風險管理之演化、運用，進而分析產險公司失卻清償能力與整合型風險管理(IRM)的因果關係。隨著環境與產險監理政策之調整與改變，極有可能造成產險業經營之另類、不可忽視的法規風險，因此未來趨勢更必須被學者及業者充分瞭解及掌握。而近年來產險業經營與IRM有關的建制與努力，更被國際信評公司列為評等的重要指標。 本研究結果發現，雖然台灣產險業未來必須面對更複雜與更艱難的經營風險；但是累積過去多年的人才素質、專業培養成果及台灣市場獨特的結構，如能配合調整良好市場紀律，本質上台灣產險業仍具相當有利的經營條件。產險公司未來要發展更快以及因應國際化，必須重視IRM機制的有效執行，以免除後顧之憂；並能因此充分整合資源以配合經營上的策略定位及策略整合，來創造公司最大價值。此外，業務營運與資產配置更要考量風險資本的適當性，以符合保險監理的要求及新趨勢。 本研究最後也對IRM的建制提出建議，但因受限於國內外目前IRM實務經驗尚未達到完全成熟階段，未來發展上尚有待各界持續重視及推動，以使未來產險經營更穩健及發達。The development of Taiwan Insurance industry has passed the stage of protection & deregulation, and now we are facing with the phase of complete liberalization. For the operation of Insurance industry, the rapid change of time creates more emerging risks than before. Even though, the traditional reinsurance still plays an important role of risk management. However, after September 11 terrorist attacks and lots of catastrophe effect, that has caused an impact in the capacity and environment involvement on global reinsurance market. The relationship between Insurer and Reinsurer has shifted from dependence to partnership. It has reveals the fact that insurance companies must have awareness of risk management; just same as an excellent athlete, he must keep challenging in reaching his ultimate. The purpose of research is to present the development and utilization of risk management. Then, further analysis the consequence between insolvency of Insurer and Integrated Risk Management. Under the change of environment and regulation, it will belike to facing an extra and unavoidable legal risks. Thus, Scholar and Insurer must fully understand and control the trend of development in the future. The implement of IRM by Insurance industry has become the evaluating benchmark of International rating agencies in recent years. As the result of research, Taiwan insurance industry have to face more and more complicate and difficult management risks; Fortunately, the talented and well trained professional with unique structure in Taiwan market, Insurer might have more advantage in operation if it could cooperate to improve the market discipline. To cope with the internationalization and further development, insurance companies have to emphasis the effective performance in IRM mechanism, which the company could avoid uncertain risks and fully utilize the resource to conform with the positioning and integration of strategy, then create the company’s maximum value. Besides, Insurer should consider the adequacy of risk capital in business operation and asset allocation in order to comply with the regulation and new trend. At the end of this research, it presents some suggestions of IRM mechanism, however, the experience of IRM is immature at current stage, it still needs Insurer’s support and implementation. We believe that the development of IRM will have positive effects for insurance industry’s competitiveness in the future.口試委員審定書 i 誌謝 ii 中文摘要 iii 英文摘要 v 目錄 vii 圖目錄 ix 表目錄 x 第一章 緒論 1 第一節、研究背景與動機 1 第二節、研究問題 2 第三節、章節架構 3 第二章 文獻探討 4 第一節、整合型風險管理IRM的發展 4 第二節、產險公司對IRM的應用 7 第三節、產險公司失卻清償能力分析 21 第四節、產險監理趨勢的改變 28 第五節、國際信評對產險公司IRM的看法 34 第三章 研究方法 38 第一節、研究設計與研究步驟 38 第二節、研究限制 39 第四章 研究結果 40 第一節、台灣產險業未來面臨的風險改變之分析 40 第二節、台灣產險業的五力分析 43 第三節、IRM與產險業經營策略之關係 46 第五章 結論與建議 54 第一節、結論 54 第二節、建議 55 第三節、未來後續研究之建議 56 參考文獻 57558112 bytesapplication/pdfen-US整合型風險管理策略定位策略整合風險資本Integrated Risk Management(IRM)Strategy PositioningStrategy IntegrationRisk Capital[SDGs]SDG16otherhttp://ntur.lib.ntu.edu.tw/bitstream/246246/63745/1/ntu-96-P93745011-1.pdf