|摘要: || 台灣產險業相較其他金融行業，經營規模緩步成長，多年來未能順勢在經濟蓬勃發展時期完成產業升級，效率稍嫌低迷，變革聲浪不絕於耳。一般認為包含產業外移、業者數量過多、保險商品差異化程度不足、極端氣候侵害、費率自由化趨勢等，皆為導致產業長期陷入價格競爭循環主因。|
As compare Taiwan general insurance industry with other financial enterprises, the operations and capacities seem grow very slowly. The efficiency of the completion of the industry up-grade was rather low during these recent years which raised the sound of revolution. In general, the key factors includes the move out of the industries, the quantities of the insurers considered over-much, the degree of the differential of the insurance products is in-sufficient, the invade of the extreme weather, the tendency of the ration liberalization which lead the insurers engage in the pricing competition circle.
Under the circumstance that the insurer has set up absolute operation model by itself in Taiwan, all of the insurers are demanded the growth as its target and chasing its position in the market as their goal. During these recent ten years, the competitors pay more attention on the expansion of its operations and the common strategies of the insurers are: merge other insurers, establish or join the financial holding company, alliance with other industrial to build up the cross promotion network. Moreover, the healthy development should combine the main structure and objective operations. The road to success depends on the selection of the strategy, execution and appraisal. In accordance with the statistic for these recent years reveal the differential of the operations in between the leader and the following up become larger. Under such circumstance, the medium size insurers not only chasing the leadership and position in the market, at the same time, they should consider its conditions, sources, operation abilities are ready, clarify the market leading, market discrimination, maximize the operations, maximize the profits, more efficient and stable operations as their goal to meet the development.
The scope of this research is to find out the solution for the existing emergency problem in the market through the strategy thought and layout of the market participants.
In addition, through the analyst of the succeed experiences from the leadership, challengers, professionalism and fellow-ship to further research the relationship in between the size of operation, efficiency and the challenging ability and provide to those have the intention to engage in this insurance field to have the expectation passion for a better industry transform in future.