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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/32292

    Title: 公營銀行民營化之銀行保險經營研究 : 以C公司為例
    Other Titles: A study on the bancassurance for privatizating bank : taking C conpany as an exzmple
    Authors: 王煥德;Wang, Huan-te
    Contributors: 淡江大學保險學系保險經營碩士在職專班
    Keywords: 銀行保險;民營化;組織變革;Bancassurance;Privatization;Transformation
    Date: 2007
    Issue Date: 2010-01-11 01:56:37 (UTC+8)
    Abstract: 銀行保險起源於1970年的歐洲,在國內為最近五年迅速發展的保險通路。利率長期走低,使得存戶尋求定存以外的金融商品。高資產的客戶也利用保險商品來解決稅務上的問題。由於金融環境快速變化及基於擁有眾多客戶,公營金融機構渉入銀行保險產業是在此環境變遷下的自然產物。
    Bancassurance originated from Europe in 1970, has been the fastest growing channel for insurance in Taiwan in the past 5 years. Low rate of term deposit drives customers to the next best investment product. High net worth clients also try to find tax solutions in various life insurance products. The public financial institution become involved in Bancassurance industries seems to be the natural product out of this fast-changing environment and a great foundation of the clients.
    Every public financial institution begins with a foundation based on a great vision for their employees to service the public and community. However as time and personnel move on, organizational change often veers in a different direction, even contradicting the institution’s initial mission.
    IN Taiwan, the privatization of the public enterprises started in 1989.Except that a few enterprises increased their performances, most of them stayed without improvements, or even worse. It is not always true that to privatize the public enterprise could bring good performance.
    Due to its past transitional history, we can also view Taiwan Cooperative Bank as one of the most valuable cases for a study on organizational changes of Taiwan’s public financial institutions. The following deductions are worth noting. They had something wrong deal with subsidence company:
    1. An incomplete transformation plan.
    2. Inefficient communication between processes.
    3. Insufficient guarantees for employees.
    The history of Taiwan Cooperative Bank’s evolution coupled with irrational mistakes of the institution’s past make good examples for other public financial institutions to avoid and try to improve upon during organization change.
    Appears in Collections:[保險學系暨研究所] 學位論文

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