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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/32419

    Title: 兩岸保險經紀人制度之比較研究
    Other Titles: A comparative study of insurance broker system between Taiwan and China
    Authors: 周大猷;Chou, Da-yu
    Contributors: 淡江大學保險學系保險經營碩士在職專班
    廖述源;Liao, Shuh-yuan
    Keywords: 保險經紀人;保險經紀人制度;保險中介人;Insurance Broker;Insurance Broker System;Insurance Agent
    Date: 2009
    Issue Date: 2010-01-11 02:06:49 (UTC+8)
    Abstract: 近年來兩岸經濟快速發展,保險金融經濟環境變換迅速,及社會多元化、商品多樣化、資訊透明化、費率自由化等因素,使得城鄉差距縮小,居住密度增大,各地高科技產業開發設置,高單價設備、廠房、機器等財產已呈密集化趨勢,潛在風險增加引來對保險更大需求,而保險經紀人在整個保險市場上是基於投保人利益,為投保人與保險人訂立保險合約提供中介服務,並依法收取佣金及服務費用;由於保險業務之經營具有高度技術性,保險契約之相關事項又具有複雜性,因而保險經紀人在保險市場上扮演著很重要角色。
    With the rapid improvement of economy in the two sides across the Taiwan Strait, the environment of insurance and finance is changing quickly. Meanwhile, the diversification in society, merchandise, information, and charge all contribute to the reduction of the gap between cities and countryside, the high population density in cities, the establishment of hi-tech industries, and the trend of density in the high-price facilities, factory buildings,and equipments. As the potential risk is rising, it will result in more demand in the insurance. An insurance broker in the whole insurance market stands for the benefit of his customers, concludes an agreement, provides the service between his customers and insurance companies and earns commission. Owing to the difficulties in the insurance business and the complex in the insurance contracts, insurance brokers play an important role in the insurance market.
    A professional insurance broker recommends exquisite goods to his customers and takes the responsibility of after-sales service. Consumers get what they need with the most reasonable price and service through the arrangement of the insurance brokers. Also through the constructive competition among the insurance brokers, it will bring high quality service and guarantee to all the customers. After the entering of the insurance brokers between the two sides across the Taiwan Strait, we will face more difficulties, opportunities, and challenges in the process of globalization and liberalization. In order to respond the insurance system timely, we must propose reformation plans and concrete proposals in the aspect of the insurance system between the two sides across the Taiwan Strait. We hope that we can do good to the insurance system between the two sides across the Taiwan Strait. After entering the globalization market, in order to get the insurance moving into the liberalization, the government should take the responsibility supervising and leading the insurance brokers into internationalization. We hope the government examines the defect of insurance system from all aspects, directs the ways to improve the professional level among the insurance brokers, strengthens the added value to both the insurance fields and the customers, enhances the international competency, and promotes the international cooperation. We also hope that we can increase the complementary advantages among the insurance brokers between the two sides across the Taiwan Strait, integrate resources, collect specialties, upgrade levels, raise the service efficiency, and catch up with the whole world.
    Taiwan in the past always takes a conservative attitude toward the market in China. It results in the information lack about the market in China. Nowadays, in the trend of finance liberalization and internationalization, Taiwan opens up the investment of the market in China. Owing to the opacity of information, Taiwan’s insurance companies still cost lots to set up a branch office or get the sales license. Therefore, in my study, I would like to discuss how to operate an insurance company in the market in China, and provide some market information to the same trade.
    Appears in Collections:[保險學系暨研究所] 學位論文

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