頁籤選單縮合
題名 | 臺灣地區漁會信用部存款保險費率之研究=A Study on the Deposit Insurance Rates of Fishmen's Credit Department in Taiwan Area |
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作者 | 李佳珍; Lee, Jia-jan; |
期刊 | 嘉義技術學院學報 |
出版日期 | 19990800 |
卷期 | 65 1999.08[民88.08] |
頁次 | 頁65-74 |
分類號 | 439.15 |
語文 | chi |
關鍵詞 | 存款保險費率; 臺灣地區; 漁會信用部; 選擇權訂價法; Deposit insurance rates; Taiwan area; Fishmen's credit department; Option pricing method; |
中文摘要 | 為因應我國金融自由化、國際化的發展,以及研議如何降低金融經營管理的風險 ,適時檢時現行保險費率之合理性。本文擬利用選擇權訂價法來進行分析,以估算出各區漁 會信用部最適公平保險費,似供相關單位參考。茲將研究結果攝要如下:一、各區漁會信用 部應負擔的保費彼此間差異頗大,可能存有低風險者補貼高風險金融機構的不公平現象。顯 見目前固定費率制度確實會造成各金融機構間資源分配的不公平。二、目前各區漁會信用部 大部份的保險費率仍高實際保基的萬分之一點五,一旦發生金融危機,中央存保公司將無法 支應。為因應未來金融市場的衝擊,實有必要重新檢討及評估現行的保險費率制度是否合理 。 |
英文摘要 | In this present report, attributed to the liberalization of financials and international development how to reduce the risks of the financial management, and to check the reasonableness of the insurance rates in time, we estimatesd the better insurance rates of all local Fishmen's credit department used with option pricing method, and provided them to offical units. The results are as follows: 1.There were difference significantly in shouldering the insurance among local Fishmen's credit department, this does mean that since the lower economic troubles that is providing aid to the higher troubles of the bank institutions. It is suggest that current finite has continued to hamper our trade performance. 2.Currently, the most insurance rate basis still rose to 150 of million of actual insurance in local Fishmen's credit department. The cCentral Deposit and Insurance Corp. Will fail to do adequate resolution when it happen that the financial crisis. It is necessary that further to recheck /assess wether the current practice in insurance rate is reasonable. |
本系統之摘要資訊系依該期刊論文摘要之資訊為主。