2004年台灣產險市場概況

　　2004年台灣保險滲透度(保費收入所占GDP比率)為14.13%，在保險密度(平均每人每年支付之保險費)方面，台灣約為1,909美元，較亞洲平均值為高。根據瑞士再保險sigma 2005年第二季所提供2004年全球保險產業統計資料來看，台灣產壽險保費收入比重約為1:3.6，相較於成熟度較高的歐美各國近1:1，產險業仍有相當大的發展空間。2004年上半年台灣經濟復甦，緩和了保險業所承受之經營壓力，尤其產險業因2003年災害較少、整體投資環境改善而有所助益，惟承保週期仍與全球再保市場高度相關，且市場紀律仍有待觀察，這些不確定因素相對將使獲利成長受到部份減損。本文將針對2004年產險市場動態、業務趨勢、成本及重要經營指標作一分析，給予參考。

關鍵字：產業分析、市場動態、業務趨勢、成本與獲利能力分析、重要指標

Taiwan Non-Life Insurance 2004-Market Report
　　　　　　　　　　　　　　　　　　　　　　　　　作者：(Sylvina H.H. Chen)
In 2004, the insurance penetration of Taiwan was 14.13% and the insurance density reached US$ 1,909, which was higher than the average of Asian countries. Based on Swiss Re,Sigma No2. 2005 information, the ratio of non-life premium income versus life’s was 1:3.6, indicating a remarkable potential for expansion when comparing to that of 1:1 ratio in the US and Europe. The economic recuperation in the first-half year of 2004 helped ease the tension of Taiwan’s insurance market. Low loss ratio and improvement on overall investment environment in 2003 further prospered the non-life insurance industry. However, over-reliance on reinsurance and the lack of market discipline aggravated the market uncertainty and abatement of business profitability. This paper aims at giving main idea of non-life business overview, development trend, cost-profit analysis and the important indexes of insurance industry.

Keywords: non-life business overview, development trend, cost-profit analysis, important indexes