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    題名: 我國銀行銷售退休保險商品之探討 : 以S公司為例
    其他題名: On bank of Taiwan selling pension insurance product : a case study on S Co., in Taiwan
    作者: 黃楷云;Huang, Kai-Yun
    貢獻者: 淡江大學國際商學碩士在職專班
    鮑世亨;Pao, Shin-Peng
    關鍵詞: 銀行保險;退休理財商品;高齡化社會;Bancassurance;Pension insurance products;Ageing Society
    日期: 2014
    上傳時間: 2015-05-04 09:44:51 (UTC+8)
    摘要: 台灣社會人口結構目前正面臨少子化及高齡化的危機,許多行業別也因此受到影響,早一代的長輩總是認為養兒防老,而現在的年輕人晚婚甚至不婚,認為養小孩的成本及教育費太高,生一個小孩養育到大學畢業,教育費可能就要破千萬,會破壞了原有的生活品質,而現在的觀念卻是防老養兒,未來退休後的生活不再像農業社會的年代,由我們的下一代供養,而少子化的影響,也讓我們的下一代養不起我們;隨著高齡化的來臨,受到政府的重視,已著手在社會保險及相關機構協助老人服務上加強,但政府的措施對國人退休後穩定的經濟來源仍不足,在目前經濟環境面臨著物價不斷上漲,油電價格也持續攀升,及通貨膨脹的影響,未來我們靠政府的退休金也相對縮水,而最安穩的定存,從2009年至今台灣的定存利率水準皆維持在1.5%以下,國人要如何把關及管理自己的退休金成為一個重要的課題。
    財富管理業務在銀行已成為主要的收入來源之一,也成為替客戶在資產配置上重要的一環,因保險屬於長期性的產品,透過銀行提供金融服務的角色,具佔優勢,並鑑於台灣人口老化及政府提供的退休金不足及銀行通路產品雷同與相互競爭之下,若銀行保險通路能為客戶守住及補足退休金缺口,相信未來客戶的保險服務對象一定找銀行通路,本研究將利用SWOT之研究方法,找出銀行保險適合銷售退休理財保險商品之屬性。
    Socio-demographic structure of Taiwan is currently facing a declining birthrate and the aging of the crisis, many industries are therefore not affected by early generation of elders always think raising children for old age, and now the young people marry later or not married, think of the cost of raising children and education costs are too high, give birth to a child through college parenting, education expenses may have broken million, will destroy the original quality of life, and now the idea is to raise children for old age, life after retirement is no longer like the future of agriculture ''s society, by our next generation support, and the impact of low birth rate, but also to our next generation could not afford us; with the aging of the season, subject to the government''s attention, has begun to assist the elderly in social insurance and related agencies strengthen the service, but the government''s measures against the people after retirement stable source of income is still less than that in the current economic environment facing rising prices, oil and electricity prices have continued to rise, and the impact of inflation in the future, we also rely on the government pension relative shrink, and the most stable deposit, deposit rate from 2009 to date are maintained at the level of Taiwan''s 1.5 percent less, and how people want to manage their pension checks and become an important issue.
    Wealth management business in the bank has become one of the main sources of income, but also on behalf of his clients has become an important part of asset allocation, as part of long-term insurance products through banks to provide financial services roles, with dominant, and in view of Taiwan''s population pension aging and inadequate government and banking channels and under similar competing products, if bancassurance customers can hold and make up the pension shortfall, I believe the future of insurance services client object must find banks pathway, this study will use the SWOT the research methods to identify the bank insurance for retirement property sales of financial insurance products.
    顯示於類別:[國際企業學系暨研究所] 學位論文

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