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題名:台灣產物保險業防疫保險與公司治理代理問題之研究
作者:郭明鴻
作者(外文):Kuo ming hung
校院名稱:逢甲大學
系所名稱:金融博士學位學程
指導教授:康淑珍
游志平
學位類別:博士
出版日期:2023
主題關鍵詞:防疫險代理理論公司治理保單設計保單內部審查核保理賠及風險管理Covid-19 InsuranceAgency TheoryCorporate GovernanceInsurance Policy Design and PricingInternal Approval, UnderwritingClaim, Risk Management.
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嚴重特殊傳染性肺炎 Coronavirus disease 2019 縮寫COVID-19 自2019 於中國大陸武漢發現第一死亡病例,世界衛生組織於2020年1月30日宣布嚴重特殊傳染性肺炎疫情為國際關注的突發公共衛生事。我國到2022年8月13日止,我國累計確診病例累計4,867,766例,死亡病例9,413例。台灣產物保險公司於2020年底推出花五百元若因隔離、確診理賠十萬元。疫情控制良好,市場反應平平。但2021年1月疫情升溫,台灣產物保險防疫保單大賣,至1月26日停賣總共銷售了四百萬張,保險費19億餘元,但是理賠金額卻高達19億餘元,若計算其行政成本及招攬成本,其虧損台灣產物保險公司可能達到七、八億之譜。
台灣產物保險公司忽視前車之鑒不遠,其他產險公司以降低理賠額度、增加保費方式繼續銷售,希望承接台灣產物保險公司防疫保單續保業務,然而確帶來產險業巨大災難的開始。金管會2022年11月21日公布統計到11月21日日為止,2022年保費收入計55億元;而理賠金額已經超過1600億元。且每週理賠60幾億元在增加中 。
本研究以公司治理代理理論為著眼探討防疫保險從保單設計、保險公司保單審查、核保理賠及風險控管、公司治理架構、保險監理機關一連串發生的原因,並因此提出建議供業者及監理機關參考以改進現行缺失,祈產物保險業從新出發,重視風險管理,重塑社會信任。
本研究是國內首次以公司治理及代理理論並以質性研究方式探討防疫險之亂的原因並提出建言。本研究所獲得之成果或許可提供研究單位、政府與保險公司相關業者之參考。
Covid 19 has caused approximately 5 millions affected cases in Taiwan and 10,000 mortalities. Taiwan Fire and Marine Insurance promoted first covid -19 Insurance on late 2020. Unfortunately various insurance companies followed her steps to promote covid-19 Insurance even Taiwan Fire and Marine has stopped its underwriting and acceptances. The promotions has lead a major disaster to key players and brought NT160,000,000,000 losses. The losses are stable increased by NT7,000,000,000 per week and would not stop until insurance policies nature expiring by early April 2023.
This study is using agency theory and corporate governance perspectives to study the root causes of the disaster from dimensions of Covid-19 insurance policy design/pricing, internal approval, underwriting/claim handling / risk management , corporate governance structures and insurance regulators. Also to provide possible solutions to root causes identified.
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