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  • 學位論文

論金控體系下銀行保險業務經營模式與問題

On the financial holding company system bancassurance business strategy and problems

指導教授 : 郝充仁

摘要


本研究旨在瞭解在金控公司下進行銀行保險業務,如使用共同行銷模式與合作推廣模式間之差異與其產生之問題,進行提出各自之優、劣勢,並依研究結果提出建議。 首先進行各項法規及文獻探討,作為架構研究的理論基礎;接著,參考同業間相關銀行保險相關資訊與詢問相關作法與看法以分析現況與二種模式間之差異,在本次研究中主要發現: 一、 在研究中發現銀行保險發展至今僅十年左右,成長之速度是極為快速,然而在法規制定與監理上,似乎無法迎合上其成長之速度,以致法規及規範似乎都未盡周延,也或許是由於二項業務結合的銷售模式有別於過往單一金融產品單純,主管機關或可成立專責單位,直接負責管理銀行保險業務。 二、 金控公司不管是執行共同行銷模式或是合作推廣模式,其主要目的都是為創造收益,但是共同行銷有直接使用客戶基本資料而引發的私密權問題,然而合作推廣有客戶書面同意取得困難的問題,二種模式間,何者可以產生比較大的收益,在本次研究中還未能看出。 三、 在本次研究中,以保險公司為轉換主體之金控公司,在執行共同行銷模式態度較為積極,相較以銀行為轉換主體之金控公司,則希望以合作推廣模式發展。 最後,本研究根據研究的發現,提出相關建議,俾供後續研究參考。

並列摘要


This study aims to understand the financial holding company with banking and insurance business, such as the use of the difference between the joint marketing and joint promotion model generated to conduct put forward their respective superior, weaknesses, and make recommendations in accordance with the findings. First the regulations and literature explore the theoretical basis of architecture study of; Then, the reference with the inter-related banking and insurance-related information and Inquiry-related practices and views in order to analyze the current situation with the two kinds of mode between the differences, in this study is mainly found : Found in the study so far only a decade or so, the speed of growth is extremely rapid development of banking and insurance, however, the regulatory and supervision can not seem to cater to the speed with its growth, a result, regulations and norms seem to have not entirely comprehensive, but also perhaps because the two businesses combined sales model is different from the simple past a single financial product, the competent authority or the establishment of dedicated units directly responsible for managing the bank insurance business. Second, the financial holding company is regardless of the execution of co-marketing model, or the Cooperative Extension mode, whose main purpose is to create income, but the common marketing caused by the direct use of customer information, right to privacy, however, the Cooperative Extension clients agree in writing to obtain difficult problem, two kinds of patterns and what you can produce large gains in this study have not been able to see. In this study, the insurance company to convert the main body of financial holding companies, in the implementation of co-marketing model attitude is more positive, compared to the bank to convert the main body of the financial holding company, hopes to promote model development. Finally, this study based on the findings of the study, make recommendations in order for future researches.

參考文獻


劉靜文,「金控通路之保險行銷策略」,國立政治大學經營管理研究所高階財金班碩土論文,2007年。
李幸嬬,「探討金控公司保險業務聯盟之競爭策略-以A金控為例」,靜宜大學管理碩土論文,2009年。
謝易宏,「企業整合與跨業併購法律問題之研究-以『銀行業』與『證券業』間之整合為例」,律師雜誌第252期,2000年。
劉靜怡,「網際網路時代的資訊使用與隱秘權保護規範:個人、政府與市場的拔河」,資訊管理研究,第4卷第3期,2002年。
高穎禮,「人壽保險業務員通路於金控子公司共同行銷之風險管理」,國立政治大學商學院經營管理碩士學程風險管理組碩士論文,2000年。

被引用紀錄


鄭趙文(2016)。銀行業經營銀行保險模式之研究〔碩士論文,淡江大學〕。華藝線上圖書館。https://doi.org/10.6846/TKU.2016.00936
金凡雋(2016)。銀行保險照會件之研究〔碩士論文,淡江大學〕。華藝線上圖書館。https://doi.org/10.6846/TKU.2016.00667
林傳峯(2015)。非金控產險公司與壽險公司行銷合作策略之研究〔碩士論文,淡江大學〕。華藝線上圖書館。https://doi.org/10.6846/TKU.2015.00204
劉家滋(2015)。銀行設立保險經紀人/保險代理人部門之成本效益分析〔碩士論文,逢甲大學〕。華藝線上圖書館。https://doi.org/10.6341/fcu.M0217591

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