| Summary: | 碩士 === 淡江大學 === 保險學系保險經營碩士班 === 103 === With the changing economic environment and the popularity of insurance, people not only earn interest by saving money in banks but also purchase insurance for additional coverage. On one hand, Central Deposit Insurance Corporation (CDIC) is responsible for providing the guarantee of bank deposits. One the other hand, Taiwan Insurance Guaranty Fund (TIGF) is responsible for protecting the rights and interests of the insured. CDIC and TIGF are two independent systems. However, a system which combines all financial schemes together has emerged internationally in recent years. It is known as "Integrated Protection Schemes" that Taiwan should consider adopting.
In view of this, this dissertation firstly introduces the Integrated Protection Schemes in Korea, United Kingdom, and Malaysia. The introduction includes the background of its origin and current status, coverage range and limits, the structure of funds and premium rate, system of risk control and supervision. These various aspects as practiced in these three countries are in turn compared and discussed. After that, relevant recommendations are provided as references for future implementation of Integrated Deposit Insurance System in Taiwan.
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