由歐美經驗論銀行與保險之聚合在台灣可能的發展

　　銀行與保險的聚合並不必然在所有的國家皆能產生預期的結果，在義大利、西班牙、法國及荷比盧等國施行成功的情形，在美國、英國、德國及瑞士等國則不必然發生，其主要之影響因素究竟為何？又一般銀行業與保險業係利用那些方式達到聚合的目的，而台灣的情況為何？另文獻研究是否顯示銀行與保險的聚合均具有利益？最後，銀行與保險之聚合在台灣未來之可能發展又為何？以上議題均為本文之探討要點。

關鍵字：聚合、銀行保險、保險銀行、合併與購併
A Study of Banking and Insurance Convergence in Taiwan Based on Experiences of Europe and North America
Abstract
It is not certain that the convergence of banking and insurance works well everywhere. In Italy, Spain, France, and the Benelux countries, convergence appears to carry benefits, but in America, Britain, Germany, and Switzerland its advantages are questionable. Why has the convergence of banking and insurance worked only in certain countries? Does empirical research suggest mechanisms of convergence? What forces are responsible for convergence? Finally, what are the future prospects of convergence in Taiwan? These issues are discussed in this paper.

Keywords: convergence, bancassurance, assurbanking, mergers and acquisitions