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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/32251

    Title: 壽險業收費制度之研究 : 收費員角色之探討
    Other Titles: The study of insurance industry's premium collection system: the investigation on role of premium collector
    Authors: 張銘珠;Chang, Ming-chu
    Contributors: 淡江大學保險學系保險經營碩士在職專班
    曾妙慧;Tsen, Miao-huei
    Keywords: 收費員;收費制度;Collector;Premium Collector System
    Date: 2006
    Issue Date: 2010-01-11 01:54:02 (UTC+8)
    Abstract: 壽險公司自成立以來,陸續出現的繳費方式有:業務員收費、收費員收費、信用卡代墊、銀行帳戶扣繳、自動櫃員機繳費、便利商店繳費等。壽險公司經歷了四十多年以來經濟環境的變化,各種繳費方式在壽險公司所佔的比例,也在迅速的改變,以收費員繳付保險費的繳費方式,就是一個正在迅速改變的繳費方式。
    There many premium collection methods were inducted to client since life insurance companies established such as: collection through sale agent,collection through premium collector, draft from post office, paymentfrom credit card, automatic deduction from bank account, payment from ATM machine, payment through convincing store. Insurance companies arecontinuing changing with more than 40 years’ Taiwan economicdevelopment, those collection methods are also rapidly change withcertain portion in insurance company. Take premium collector collection as an example,which is a dramatically
    changing collection method.
    Due to insurance marketing channel change, the conventional field sale channel ratio is dropping in recent year. The increasing sale ratio in bank assurance and direct market channel during recent year causes the dropping ratio in premium collector method. In addition to that,the new labor retire system, which asks employer co-pay contribution to employee pension fund, also increases the cost on premium collector
    method. Based on above pension reason and company strategy change,there is a new decreasing trend on the amount of premium collector.Comparing with emphasizing on self-dominate premium payment; such as payment through convincing store and payment from ATM machine, increases in collection ratio; the development of premium collector collection method becomes a great contrast.
    The study hopes through investigation on premium collection system canconclude the identification on collector’s role in insurance company,also reflects the facing problems of system. The study not only tries toa balance in consideration of premium collector’s cost and clientservice, but also tries to find out any other development directionon shrinking premium collector system for providing a reference in insurance industry when examining the premium collection system.
    Appears in Collections:[保險學系暨研究所] 學位論文

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