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|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|
|Keywords: ||收費員;收費制度;Collector;Premium Collector System|
|Issue Date: ||2010-01-11 01:54:02 (UTC+8)|
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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