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標題: | 論整合型風險管理對產物保險公司經營策略之影響 The influence of Integrated Risk Management(IRM) on the Non-Life Insurance Industry's Business Strategy |
作者: | En-Shiang Tai 戴英祥 |
指導教授: | 邱顯比教授(Shean-Bii Chiu) |
關鍵字: | 整合型風險管理,策略定位,策略整合,風險資本, Integrated Risk Management(IRM),Strategy Positioning,Strategy Integration,Risk Capital, |
出版年 : | 2007 |
學位: | 碩士 |
摘要: | 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. |
URI: | http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/29456 |
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