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    Please use this identifier to cite or link to this item: http://ir.lib.ncu.edu.tw/handle/987654321/67528

    Title: 利率變動型壽險探討
    Authors: 王禕鴻;Wang,Yi-hung
    Contributors: 財務金融學系在職專班
    Keywords: 利率變動;壽險;利變型
    Date: 2015-06-11
    Issue Date: 2015-07-30 20:48:50 (UTC+8)
    Publisher: 國立中央大學
    Abstract: 由於我國全民健保之普及、醫療保健及衛生環境之改善,已有效降低國人各年齡別死亡機率,使得國人壽命得以延長;更隨著醫療科技的進步及生活品質的提升,我國國人的平均壽命有逐漸延長的趨勢。依據聯合國定義「高齡化社會」,103年7月底我國65歲以上人口占總人口比率已高達11.77%,若再加上人口出生率仍無法有效提升情況下,人口結構已逐漸失衡,老化指數不斷攀升,衍生出老人照顧問題及後續相關之老人經濟保障、長期居家服務、醫療收容機構、友善生活環境、交通安全便利等議題,更需及早規劃因應。
    ;In Taiwan, people are insured by national health insurance, and medical care and sanitary conditions have been improved in the past 20 years. Thus, mortality rate has declined and the average life expectancy has risen.
    Due to rising life expectancy and declining birth rates, 11.77% of the population was 65 years or older, by end of July, 2014. According to the population ageing, defined by United Nations, the rate of population ageing in the 21st century will exceed that of the previous century. Therefore, we have to face this aging problem seriously and make financial plan as earlier as we can for the nearly future.
    In addition, since the Financial Crisis in 2008, United States had cut Fed Funds rate and implemented quantitative easing to stimulate economy. Nowadays, U.S. keeps interest rate at 0.25%, European Central Bank keeps at 0.05%, and Japan keeps at 0.1%, which are at the lowest rate in the history.
    As a result, in this aging society, Taiwanese prefer to invest endowment insurance for their retiring plan. Moreover, if we take global economy into consideration, when interest rate starts rising, the Interest-sensitive Insurance products will be affected. But the consequence is positive.
    In conclusion, in order to on the right track of consumer behavior on endowment insurance at this stage, I will analysis Interest-Sensitive Insurance’s product structure and compare the differences between insurance’s Declaimed rate, 2-Year time saving deposits rate at bank, and the U.S. 10-Year Treasury Constant Maturity Rate to demonstrate the Pro’s and Con’s of Interest-Sensitive Insurance.
    Appears in Collections:[財務金融學系碩士在職專班] 博碩士論文

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