系統識別號 | U0002-2006201620143800 |
---|---|
DOI | 10.6846/TKU.2016.00614 |
論文名稱(中文) | 影響台灣地區購買年金保險需求因素之探討 |
論文名稱(英文) | A Discussion For The Determinants Of Annuity Insurance Purchasing Intention |
第三語言論文名稱 | |
校院名稱 | 淡江大學 |
系所名稱(中文) | 保險學系保險經營碩士班 |
系所名稱(英文) | Department of Insurance |
外國學位學校名稱 | |
外國學位學院名稱 | |
外國學位研究所名稱 | |
學年度 | 104 |
學期 | 2 |
出版年 | 105 |
研究生(中文) | 簡如翊 |
研究生(英文) | JU-YI CHIEN |
學號 | 603560052 |
學位類別 | 碩士 |
語言別 | 繁體中文 |
第二語言別 | |
口試日期 | 2016-06-03 |
論文頁數 | 54頁 |
口試委員 |
指導教授
-
繆震宇
委員 - 田峻吉 委員 - 池祥麟 |
關鍵字(中) |
年金之謎 逆選擇 遺產動機 |
關鍵字(英) |
Annuity Puzzle Adverse selection Motivation Heritage |
第三語言關鍵字 | |
學科別分類 | |
中文摘要 |
21 世紀為人們長壽時代,而隨著社會結構的改變,家庭功能式微,退休者 該如何保障年老財務安全無虞,為當務之急。不論是透過政府的社會保險還是 本身的理財規劃,而年金保險也是被視為能夠對抗長壽風險的利器。 本研究探討影響台灣民眾購買年金保險需求的因素為何?透過各國學者研 究文獻,尋找可能的原因。再透過問卷中問項釐清何為關鍵的影響因素。 根據實證結果發現,主要影響年金保險商品購買因素有: 1.年金保費的支出會影響的生活消費 2.認為年金給付金額偏低 3.房地產收租比年金保險更能確保退休後的生活 4.家庭支持功能 5.年金商品不熟悉 6.高保費的保證給付年金商品較有吸引力 越同意上述前五點的民眾則越會減少對於年金保險商品的購買需求,第六點為 越同意則增加購買的需求,而人口特質中性別為「女性」者則有較高的需求去 購買年金保險商品。而次要影響年金保險商品購買因素為「教育程度」、「婚 姻狀況」、「子女人數」,「退休制度」。 |
英文摘要 |
It is obvious that the 21centery is characterized by aging society. However, with change of social structure and decline of family functions, how to guarantee the life standard and financial security for retirees has became a foremost consideration in the future. Regardless of the social insurance or financial planning, annuity insurance can be pinpointed as a weapon to alleviate the longevity risks in different aspects. This research discussed that the factors about influencing Taiwanese to purchase the annuity insurance in insurance necessity. At the same time, we could search the possible reasons via literatures of scholars. Furthermore, according to survey, it can assist to clarify the critical points in impacting Taiwanese to choose the annuity insurance. According to the research results, the significant factors with regard to the major impact of the purchase in annuity insurance include: 1. “The premiums will decrease the budget in life” 2. “Considering the pension payments is relatively low” 3. “Estate rental income will higher than annuity payment for retirement life” 4. “Family supporting function” 5. “The general public unfamiliar the products of annuity insurance” 6. “The annuity insurance products with higher insurance premium is more likely to attract the public. “ The more agreement by people in above five factors, the less necessity in annuity insurance products.On the contrary, the more agreement by people in sixth factor, the more necessity will increase. However, between two genders, there are more female tend to purchase annuity insurance products. On the other hand, there are four less influential sources in purchasing annuity insurance products includes: education level, marital status, number of children and retirement system. |
第三語言摘要 | |
論文目次 |
目錄 第一章 緒論 1 第一節 研究背景 1 第二節 研究目的 3 第三節 研究範圍與限制 4 第二章 文獻回顧 6 第一節 市場現況分析 6 第二節 相關研究文獻回顧 11 第三章 研究方法 14 第一節 研究架構 14 第二節 問卷資料來源 15 第三節 研究假設 16 第四節 資料分析方法 17 第四章 實證結果與分析 18 第一節 次數分配統計 18 第二節 敘述性統計量 24 第三節 交叉分析與卡方檢定 29 第四節 Logistic 迴歸 34 第五章 結論與建議 42 第一節 結論 42 第二節 建議 45 參考文獻 47 附錄一 研究問卷 50 附錄二 問卷發放方式 52 表目錄 表 1-1 家庭戶數按人口規模之分配-期間與戶內人口規模別 1 表 2-1-1 市售年金商品種類理 6 表 2-1-2 市售傳統型年金商品保單常見內容彙整 8 表 2-1-3 市售投資型年金商品保單常見內容彙整 9 表 4-1-1 受訪者性別、年齡與教育程度之次數分配統計表 18 表 4-1-2 受訪者婚姻狀況、子女人數與生活費負擔之次數分配統計表 19 表 4-1-3 財務情形資訊之次數分配統計表 20 表 4-1-4 受訪者社會福利相關資訊之次數分配統計表 21 表 4-1-5 推估自預期壽命大約之次數分配統計表 22 表 4-1-6 是否購買過或打算購買年金保險商品之次數分配統計表 22 表 4-1-7 繳費期滿後會選擇何種保險給付方式(複選題) 23 表 4-1-8 不購買年金商品的原因之次數分配統計表 23 表 4-2-1 年金之謎認知敘述性統計量 24 表 4-2-2 問卷量表對照 25 表 4-3-1 受訪者基本特質對年金保險商品需求卡方檢定表 29 表 4-3-2 性別對年金保險商品需求交叉分析表 29 表 4-3-3 教育程度對年金保險商品需求交叉分析表 30 表 4-3-4 婚姻狀況對年金保險商品需求交叉分析表 31 表 4-3-5 子女人數對年金保險商品需求交叉分析表 31 表 4-3-6 月收入對年金保險商品需求交叉分析表 32 表 4-3-7 淨資產狀況對年金保險商品需求交叉分析表 32 表 4-3-8 年齡對年金保險商品需求交叉分析表 33 表 4-3-9 領取的退休金種類對年金保險商品需求交叉分析表 33 表 4-4-1 分群變數對購買與否之 Logistic 迴歸-全部/年金之謎/人口特質 35 表 4-4-2 分群變數對購買與否之 Logistic 迴歸-全部-婚姻狀況/年金之謎/人口特 質 37 表 4-4-3 分群變數對購買與否之 Logistic 迴歸-全部-子女人數/年金之謎/人口特 質 39 表 4-4-4 分群變數對購買與否之 Logistic 迴歸-顯著 40 表 4-4-5 群變數對購買與否之 Logistic 迴歸結果彙整 …41 圖目錄 圖 1-1 近三年壽險保費收入結構 2 圖 3-1 研究架構 14 |
參考文獻 |
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