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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/87356

    Title: 保險費率自由化對汽車保險商品差異化之研究
    Other Titles: A study for the automobile insurance product in differentiated during the period of insurance premium deregulation
    Authors: 鄭秀麗;Cheng, Hsiu-Li
    Contributors: 淡江大學保險學系保險經營碩士在職專班
    Keywords: 汽車保險商品;差異化;保險費率自由化;Automobile Insurance Product;Differentiated;Insurance Premium Deregulation
    Date: 2012
    Issue Date: 2013-04-13 10:59:20 (UTC+8)
    Abstract: 綜觀2009年全面落實費率自由化迄今,我國產險業者因市場激烈競爭而積極修正各項經營策略並致力於開創新局,以保險經營者觀點論,費率自由化下建立與其他公司商品面、服務面之差異化儼然為迫切重要。然而,現行常見之承保範圍變化或費率結構調整之差異化,總在一段時間後,同業公司即輕易跟進,故開創其他競爭者模仿難度較高或幾乎無法模仿之差異化始可立於具獨特性之市場領先地位。
    With an overview of detarrification effected from year 2009, the Insurance companies in Taiwan market are facing keen competition, trying all their efforts to modify their business-running strategy in improving each company’s market share. With the aspect of an Insurer, there is nothing more important than creating differentiation in its insurance product and service.
    Unfortunately, a differentiation created upon policy coverage and premium rate could be easily duplicated by market competitors in a short period of time. Therefore, whoever creates a barrier to its differentiation in product and service, it’s the one who may maintain its unique and market share.
    This research is focus on the impacts of detarrification to Non-life insurance companies, and the objectives are,
    1. To describe the change of Product Review System and regulation made by local authority, and its impact to local market.
    2. To analyze how an insurance company maintain its strength in competition and leading status to the market by providing a differentiated product and service. The examples are based on local and worldwide detarrifed Automobile Insurance.
    3. To provide recommendations for consumers in product selection by introducing the trend of main insurance products in the market, and analyze each provider’s market appeal.
    Based on the findings of this research, it is a long term phenomenon that Insurers in the Automobile Insurance market tend to use combination of different coverage and increase of customer service as the innovation of their products. But, the meaning of innovation in this field shall not be limited simply as combination of different coverage, since it’s the foundational element of business running, and an essential factor of the strength in competition. To deal with detarrification, market competition, and sustaining reasonable profit, it’s critical for insurance companies to innovate their products, make proper market positioning, and select right strategy based on their underwriting capacity and risk bearing capacity.
    Appears in Collections:[保險學系暨研究所] 學位論文

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