|其他題名: ||The life insurance broker company manages the commodity strategy research.|
|作者: ||萬寶;Pao, Wan|
郝充仁;Hao, Chung-jen;李雅婷;Lee, Ya-ting
|關鍵詞: ||人身保險;保險經紀人;商品策略;Life Insurance;Insurance Broker;commodity strategy|
|上傳時間: ||2010-01-11 02:06:53 (UTC+8)|
|摘要: || 近年來隨著相關金融法令的開放，壽險行銷通路呈現多元化的發展保險經紀（代理）人通路發展已趨成熟，不僅家數眾多、從業保險業務人員人數持續上升，由此通路經手簽單的新契約保費佔率也逐漸提高。對照台灣壽險業實際經營人身保險經紀通路的保費收入來看，2000年人身保險經紀通路的新契約保費收入僅有60億，占總契約保費收入的0.96%，到了2006年，人身保險經紀通路的新契約保費收入已高達1,162億，占整體壽險業業績的7.43%，明顯反應出人身保險經紀通路的快速發展。面對金融環境的變遷及激烈競爭如何能在激烈的競爭環境中達成較高績效目標，是各家壽險公司經代通路經理人最重要的課題。|
With the deregulation of related financial laws in recent years, themarketing channels of life insurance have had diversified developments,and the development of insurance brokers’ channels has been mature. Notonly has the number of companies and brokers been growing, but the rateof new contracts signed up via this channel has also been rising. Comparedwith the actual life insurance broker earnings in Taiwan’s life insuranceindustry, the total premium of new business policies distributed via lifeinsurance broker channel was only NT$ 6 billion in 2000, taking 0.96% ofthe total insurance premium income. In 2006, the life insurance brokerpremium income of new business policies have reached NT$ 116.2 billion,which accounted for 6.67% of the total life insurance industry production.This has obviously reflected the rapid development of life insurance broker.In the face of the changes of the financial environment and intensivecompetition, for the channel manager, the all-important issue becomes how toachieve higher performances in this channel in such a competitiveenvironment.
This research intends to take the less studied commodity of strategy as the topic and the life insurance broker as the object, to research oncommodity of strategy can influence organizational performances.Thethesis adopts exploratory study to research: also through the related literarydiscussion and organization with seven executive officers of seven life insurance broker companies, comprehensive analyses have been conducted to propose concrete and specific suggestions as references for the business. The research expects to be helpful to the life insurance brokers mangers,and to provide reference materials to the insurance industry on channelmanagement.
Based on the analysis results, two inference were proposed to thedomestic life insurance brokers on commodity of strategy：
1. While life insurance companies frame the commodity strategies through either global or regional economic trends, brokerage firms make their commodity strategies by reacting the consumer market view.
2. Different management scale result in different commodity strategies by brokerage firms. Small firms specialize in the products with high commission, whereas big firms will develop a variety of distinctive commodity strategies.