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    Title: 健全我國保險經紀人制度之研究
    Other Titles: A study of improving insurance broker system in Taiwan
    Authors: 吳晃綾;Wu, Huang Ling
    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;保險代理人;保險仲介人;保險市場;Insurance Broker;Insurance Agent;Insurance Intermediary;Insurance Market
    Date: 2011
    Issue Date: 2011-12-28 18:02:10 (UTC+8)
    Abstract: 隨著國內經濟環境快速變遷以及消費者意識抬頭,保險傳統行銷體系已無法滿足消費者需求,故而逐漸轉向運用保險經紀人之通路購買保險,以期獲取相關附加價值與更佳之服務。保險經紀人在保險市場上之仲介角色於是更形重要。
    然而,在保險經紀人通路正值蓬勃發展之際,國內保險市場卻存在若干保險經紀人相關問題:操縱市場費率、惡性殺價競爭、雙重代理角色下之利益衝突以及執業證書租借他人造成市場亂象。因此,如何健全我國保險經紀人市場,維護保險業正常運作,並兼顧消費者之權益,實為保險監理當局必須更加重視之課題。
    本研究報告首先瞭解與介紹我國保險經紀人制度之行銷現況、保險經紀人之角色與功能以及保險經紀人之制度;進而探討我國保險經紀人制度在法律監理面、教育訓練面以及業務經營面之缺失;接著將我國保險經紀人制度與美國、英國以及日本保險經紀人制度之成功經驗做相對比較與分析;最後綜合以上,提出十七項具體之建議供相關單位參酌,俾使我國保險經紀人制度趨向更健全理想之境界。
    Due to the rapid change of economic environment and the increase of consumer consciousness in Taiwan, the traditional insurance market system has not been able to satisfy the consumers’ need. Therefore, they have turned to the insurance brokers in order to receive more value-added services. As a result, the insurance brokers have played a more important intermediary role in the insurance market.
    However, while the insurance broker channels have expanded, many problems have raised. For example, brokers control market price and use extremely low price to induce high competition. Furthermore, brokers playing as double agent roles cause the interest conflicts. To rent license for other people also makes chaos in market. Therefore, how to improve the insurance broker, maintain the usual operations of the insurance companies, and to safeguard the consumers’interests are important issues for the insurance supervisory authority in Taiwan.
    This research have several contributions as follow. Firstly, this paper illustrate the current status of the insurance market system, the role and function of the insurance brokers, and the system of the insurance brokers in Taiwan. Then, this paper examines the defects of the insurance broker system in terms of the legal regulations, educations and business operations. Subsequently, this paper compares insurance brokers system in Taiwan with other countries'' successful experience such as United State, United Kingdom and Japan. Finally, based on descriptions are mentioned as above, this paper offers seventeen concrete suggestions for the insurance supervisor authority in Taiwan. Wish our conclusions will give some improvements and inspirations for the current insurance broker system in Taiwan.
    Appears in Collections:[保險學系暨研究所] 學位論文

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