保險經營與制度

作者:卓俊雄(Chun-Hsiung Cho)曾耀鋒(Yao-Fen Tseng)

處理問題人壽保險公司退場資金不足因應措施之研究–以日本為例 Study of Life Insurer Receivership Funding Resources–from Japan

摘要
  本文於探討日本處理問題人壽保險公司之處理資金來源以及處理特色後,建議有關處理問題保險公司資金缺口之填補,應符合公平原則,換言之,扣除受讓公司自主管機關所給與之監理寬容後,再由政府與保險業提存資金補助,必要時應調整保險契約保險費或給付條件。另處理方式應可在法律允許之下,選擇成本較少之程序,惟需注意利害關係人權益之保障。如因安定基金累積資金不足時,似可由全體保險業者負連帶保證向外借款,日後再從累積的安定基金與金融業特別準備金逐年清償,以化解社會大眾對政府財政負擔過大之疑慮。
關鍵詞:問題人壽保險公司、接管程序、資金來源、安定基金、國華人壽
Abstract
  After exploring that the procedures for conservatorship or receivership of insurance enterprises in Japan, this article suggests that to deal with the financial problems of insurance companies, the authority should be consistent with the principle of fairness. In other words, if premium rates on the in-force contracts of the insurance enterprise under receivership are significantly out of line given current conditions and the other insurance enterprise will not accept the assignment unless premium rates are increased or insured amounts are reduced, the receiver may adjust premium rates or insured amounts. Besides, the processing should select the less costs and protect the interest parties.
Keywords: insolvency of life insurers, insurer receivership, funding resources, insurance guaranty fund, kuo hua life
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