The Study of Risk Factors forLife Insurance Companies in Taiwan

• Main Authors: Li-Chen Hung, 洪儷真
• Other Authors: Kun-Huang Huarng
• Format: Others
• Language: zh-TW
• Published: 2011
• Online Access: http://ndltd.ncl.edu.tw/handle/33719986468583918043

碩士 === 逢甲大學 === 經營管理碩士在職專班 === 99 === After the establishment of foreign insurance company was permitted in Taiwan in 1987, the management of local insurance companies was gradually liberalized.Till 2009, the policy holding rate of local market comes to 204.84%, the long-term risks soundness of the life insurance business becomes more and more important due to industry characteristics. In this study, research data are derived from the public financial information of the life insurance companies, and important variables are scrutinized in order to achieve the goal of explaining the complicated financial business indicators. This study uses the following variables: 2007-2009 RBC Capital Adequacy, Debt-Asset ratio, Net value, Insurance Policy Persistency rate of the life insurance companies in Taiwan. The analysis method adopted is decision tree model. Under present regulation, Taiwan now divides RBC Capital Adequacy rate into three rankings. This study attempts to explain the correlations of Debt-Asset ratio, Net value and Insurance Policy Persistency rate.