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題 名 | 保險業的最低資本與研擬中的風險基礎資本規定=The Minimum Capital Requirements for Insurers and the Proposed Risk Based Capital |
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作 者 | 許文彥; | 書刊名 | 保險專刊 |
卷 期 | 64 2001.06[民90.06] |
頁 次 | 頁85-108 |
分類號 | 563.72 |
關鍵詞 | 風險基礎資本; 資本適足性; 保險監理; RBC; Capital adequacy; Insurance regulation; |
語 文 | 中文(Chinese) |
中文摘要 | 本文的目的在檢討我國對保險業有關最低資本及保險法第一百四十三條研擬增修風險基礎基本的規定。本文根據美國風險基礎資本的實證文獻,說明該制度並無法發揮其應有的功能,同時本文提出理想的財務早期預警系統所應具有的條件以及美國現行早期預警系統的特點,逐一說明我國並不宜使用風險基礎資本做為保險業的早期預警制度。同時,文中也說明我國現行有關資本額規定的問題及其可能的解進方法。最後,本文認為風險基礎資本是一個誤差很大且效率不佳的制度,而這個制度所可能產生的監理成本恐怕將遠高於其所能帶來的效益,因此建議暫緩推動實施風險基礎資本,並以修訂最低資本的規定及重新設計早期預警系統的方式,來取代風險基礎資本。 |
英文摘要 | The purpose of the study is to examine the minimum capital requirements for insurers and the risk based capital (RBC) requirement in the proposed amendment of Article 143-4 in Insurance Law. Following the empirical findings in the U.S. RBC requirement, the study points out the RBC's performance is far from satisfactory. The study also points out the criterions an ideal early warning system should possess and shows how RBC fails to meet these criterions. Finally, since the RBC might create great errors in predicting troubled insurers and is shown to be inefficient, the paper suggests fulfilling RBC might yield regulatory cost higher than its benefit, and proposes to replace RBC by revising minimum capital requirements and by redesigning an earning an earning warning system. |
本系統中英文摘要資訊取自各篇刊載內容。