運用標會交易平台建構自主型投資保險可行性之研究The Feasibility Study on the Self-Determined Unit-Linked Insurance

摘要
　　自主型投資保險參考投資型保險結合保險商品與投資標的之架構，將定期壽險與標會交易平台作一連結，藉由標會平台之特性提高保戶資金運用上的自主性，並在面對利差損問題下，考慮兼顧保單持有人與保險人之利益，以創新的商品形式提供解決之道。研究以現行網路標會歷史標金資料為基礎，模擬分析定期壽險結合網路標會與結合自主式資金交易平台二種不同形式標會交易平台之運作情形，顯示保單持有人自行控制存借利率之結果。
關鍵字：自主型投資保險、網路標會、資金交易平台、會金、標金
Abstract
　　Self-Determined unit-linked insurance integrates bidding ROSCA with life protection based on the structure of unit-linked insurance. Bidding ROSCA enhanced policyholders’ self-determination. Self-Determined unit-linked insurance provides a solution for confronting negative spread with concern for both insurers’ and insured’s benefit. Using historical bidding data from the net bidding ROSCA, this study analyzes simulation results of self-determined unit-linked insurance operations under certain circumstances. The result of policyholders’ self-determined interest rate is presented.
Keywords: self-determined unit-linked insurance, bidding ROSCA, fund transaction platform, ROSCA capital, bids