| 英文摘要 |
Starting in January 2010, the China-ASEAN Regional Free Trade Area (CAFTA) has formally been activated, making it the third largest free trade zone around the world, trailing only behind the North American Free Trade Zone (NAFTA) and the European Union (EU). As marred by the unique cross-strait political factors, Taiwan has been kept absent from the integration of the Asian region, which is deemed unfavorable to Taiwan’s future investment and development in the East Asia region. With the cross-strait relations entering a new era of peaceful development, the expeditious signing of the cross strait Economic Cooperation Framework Agreement (ECFA) is deemed favorable for us to participate in the rapidly growing regional alliance for safeguarding Taiwan’s industry competitiveness, and reviving Taiwan’s economy.
Following China and Taiwan’s successfully joining the World Trade Organization (WTO) in 2001, and as bound by the content of the General Agreement on Trade in Services (GATS), the two sides have each committed to a scope by which to deregulate their respective financial services industry, including the insurance industry’s committing to direct insurance services, the reinsurance and re-reinsurance operations, insurance brokering, insurance facilitation service and the like. And following the two sides’ entering into the memorandum of understanding on cross-strait financial cooperation, by which the two sides are able to establish and enjoy a financial supervisory platform, through which to further excel the cross-strait financial exchange and cooperation, yet a requisite lies in that Taiwan needs to gain a foothold on the Economic Cooperation Framework Agreement (ECFA) in order to secure a more favorable treatment than the WTO in market entry and business deregulation conditions, which will facilitate Taiwan’s insurance operators to enter the mainland market. In the meantime, Taiwan also needs to amend relevant management measures to allow the mainland insurance operators to set up office and participate in stock investment in Taiwan.
At a time when the mainland insurance brokering operators will soon join Taiwan’s fiercely competitive market, the study aims to delve into a comparison study and analysis by utilizing the table of commitment by the cross-strait insurance operators as bound by the World Trade Organization, and by assessing the insurance brokering industry’s current market condition, characteristics and legal and regulatory guidelines and so forth to summarize and evaluate the various indicators for admitting the mainland Chinese insurance operators, and to examine the timetable and model for deregulating mainland Chinese insurance brokering operators to enter the Taiwan market by utilizing the Delphi expert questionnaire survey method. Based on findings derived from the two questionnaire surveys, the four constructs (the legal and regulatory policy, outlet launching, stock market participation, business operations) have been used to consolidate the experts’ viewpoints, which recommend that it is feasible for the cross-strait authorities to mutually deregulate equal citizenship treatment by instilling a common vocabulary and mutually recognizing the insurance brokering professional certification and related measures as the negotiation objectives, through which to create a win-win situation for the cross-strait insurance broking industry.
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