中國大陸居民赴香港購買保險影響因素研究

Abstract

香港離岸保險市場發展成熟，中國民眾赴香港購買保險保費成長快速，2016年達到最高峰，佔香港長期保險新造個人人壽業務的39.3%。同年中國官方祭出管制手段。中國銀聯發出公告，針對以銀聯卡刷卡形式購買保險的額度及險種做出限制；中國外匯管理局也對於民眾購匯投保特定保險項目予以禁止。本研究運用跨境購物理論歸納出中國民眾購買香港保險的原因，並利用香港保險業監管局市場及行業統計資料庫「長期保險業務年度統計數字(HKLQ)」數據進行分析，希望能了解政策監管對於保險市場的影響。研究結果顯示，中國民眾赴港投保考量香港保險的費率優勢，而香港保險費率的競爭性起因自身金融中心的優勢；監管措施使得香港離岸保險市場回歸保障需求，並從萬用壽險解約率上升推論部分中國民眾投保確實產生了資金外流的效果。

The offshore insurance market in Hong Kong has maturely developed. Premiums of Chinese people's cross-border purchasing Hong Kong insurance have grown rapidly reaching its peak in 2016, for the proportion 39.3% of long term insurance individual new business in Hong Kong. In the same year, Chinese officials implement control measures that China UnionPay issued an announcement to restrict the amount and types of insurance purchased by UnionPay cards, also the China Administration of Foreign Exchange prohibits people from foreign exchange to apply for particular type of insurance policies. This study figures out the reasons why Chinese people is willing to buy Hong Kong insurance policies by using 'cross-border shopping theory', and analyzes the impact of regulation on the insurance market by 'Long Term Insurance Business Annual Statistics (HKLQ)' from Hong Kong Insurance Authority. The results of the study show that Chinese people who go to Hong Kong purchasing insurance policies prefer lower premium rate of life insurance in Hong Kong, and the competitiveness of the insurance premium rate in Hong Kong is due to the advantage of its own financial center. Regulatory measures of Chinese government have made Hong Kong's offshore insurance market return to protection needs, and the rising terminated rate of universal life insurance infers that some Chinese people’s application behavior has indeed produced capital outflow effects.