|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|
|關鍵詞: ||銀行保險;退休理財商品;高齡化社會;Bancassurance;Pension insurance products;Ageing Society|
|上傳時間: ||2015-05-04 09:44:51 (UTC+8)|
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.