新冠肺炎對保險業影響之研究;Research on the impact of covid-19 on the insurance industry

NCU Institutional Repository > 管理學院 > 財務金融學系碩士在職專班 > 博碩士論文 > Item 987654321/92666

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题名:	新冠肺炎對保險業影響之研究;Research on the impact of covid-19 on the insurance industry
作者:	張文馨;張
贡献者:	財務金融學系在職專班
关键词:	新冠肺炎;經營績效;保險數位科技;壽險業;產險業
日期:	2023-07-17
上传时间:	2024-09-19 16:12:05 (UTC+8)
出版者:	國立中央大學
摘要:	本研究以國內壽、產險業為研究對象，探討2016年至2022年新冠肺炎對於壽、產險業的獲利能力指標、經營能力指標、償債能力指標及成長率指標是否下降？由於2021年台灣升級至三級警戒，故分析2021年前、後，新冠肺炎對保險業的衝擊是否有顯著的影響？壽險業部分，在獲利能力指標中，投資報酬率、營業利益率，有顯著下降影響。在經營能力指標中，繼續率-25個月、保費收入市場佔有率，也有顯著下降影響。在償債能力指標中，並無影響。在成長率指標中，營收成長率，有顯著下降影響；產險業部分，在獲利能力指標中，營業利益率，有顯著下降影響。在經營能力指標中，並無影響。在償債能力指標中，資本適足率、淨值比、負債率，皆有顯著下降影響。在成長率指標中，稅後淨利成長率，有顯著下降影響。最後，在探討面對新冠肺炎疫情的影響，保險業做出哪些行銷方式的轉型？對於保險業行銷方式之轉型，會如何影響保險業未來的趨勢走向？保險業、保險業務員及主管機關未來面對類似疫情在適應力與轉型因應策略之建議。;This study examines whether the profitability index, operating capacity index, solvency index, and growth rate index of the life and property insurance industry have decreased from 2016 to 2022 as a result of New Coronary Pneumonia in the domestic life and property insurance industry. Since Taiwan will be upgraded to Alert 3 in 2021, we will analyze whether the impact of NCC pneumonia on the insurance industry will be significant before and after 2021. For the life insurance industry, among the profitability indicators, the return on investment and operating income ratio will be significantly reduced. Among the indicators of viability, the persistency rate - 25 months and the market share of premium income also had a significant decrease. In the solvency indicator, there is no impact. In the growth rate indicator, there was a significant decrease in the revenue growth rate; in the profitability indicator, there was a significant decrease in the operating income ratio in the property and casualty segment. There was no impact on the operating capacity indicator. In the solvency indicators, the capital adequacy ratio, net worth ratio, and debt ratio all decreased significantly. In the growth rate indicator, there was a significant decrease in net income growth rate after tax. Lastly, we will discuss what marketing changes the insurance industry has made in response to the impact of the new pneumonia epidemic. How will the transformation of the insurance industry′s marketing approach affect the future trend of the industry? The insurance industry, insurance practitioners, and authorities are advised to adapt to similar epidemics in the future and to transform their strategies in response.
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