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1
Sajnani, Calli. "Time Banks as Aging-in-Place Initiatives." ScholarWorks, 2018. https://scholarworks.waldenu.edu/dissertations/5521.
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There has been growing concern over how state and federal governments can support the increasing population of aging Americans and their need for long-term care. Current insurance funding models cover acute hospitalization and skilled care only, leaving unskilled care needs and homemaker services at the full expense of those in need. Time banking allows individuals to exchange or barter time for goods or services without monetary payment. There is insufficient evidence to determine if members believe time banks to be a viable alternative to support aging-in-place care needs. This phenomenological study explored time banking as a potential vehicle for nonskilled health care support to defray health care costs as one ages. Ostrom's co-production theory provided the theoretical foundation for the research questions, which examined the participants' lived experiences with the role time banks played in their decision to age in place. Face-to-face interviews were conducted with 10 Southern California time bank participants, age 50 years or older. Using a Moustakas-modified van Kaam method and a priori coding emergent themes were extracted. Study findings illustrated that time bank participation did support aspects of nonskilled health care needs and provided members with confident options for aging in place. Study findings also indicated a need for continued collaborations between professional and managerial staff in public agencies, including California's Health and Human Services Agency and time bank users in their communities. Reducing health care costs for taxpayers in any government-funded health insurance model benefits positive social change, and nonskilled health care provider time bank initiatives may be a sustainable alternative for those wishing to age in place.
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Sawadogo, Relwendé. "Essais sur les déterminants et les conséquences macroéconomiques du développement du secteur d’assurance dans les pays en développement." Thesis, Clermont-Ferrand 1, 2016. http://www.theses.fr/2016CLF10493/document.
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La présente thèse est composée d’un ensemble de travaux de recherche en économie appliquée qui s’inscrivent dans le champ contemporain de l’économie de l’assurance. La thèse s’interroge sur comment les pays en développement pourraient développer davantage le secteur d’assurance afin de bénéficier des effets sur l’économie domestique. La première partie de la thèse analyse les déterminants macroéconomiques du développement du secteur d’assurance. Premièrement, les résultats montrent que l'augmentation du revenu par habitant conduit à une augmentation des primes d'assurance-vie et l’assurance-vie est un bien de luxe en Afrique Subsaharienne (chapitre 2). On trouve également des preuves que l’impact marginal du revenu dépend de la qualité de l'environnement juridique et politique. Deuxièmement, l’analyse de l’effet des IDE montre que, ceux-ci constituent un facteur clé dans l'augmentation des primes d'assurance non-vie à la fois dans les pays d’Afrique Subsaharienne (ASS) et dans les autres pays en développement (chapitre 3). Troisièmement, les activités d’assurance-vie et bancaire sont substituables en ASS, cependant les résultats indiquent une causalité unidirectionnelle allant du crédit bancaire au secteur privé vers le développement des activités d’assurance-vie (chapitre 4). La deuxième partie de la thèse analyse l’impact du développement du secteur d’assurance sur l’économie des pays en développement. Premièrement, il apparaît que le développement de l'assurance-vie a un effet positif sur la croissance économique dans les pays en développement d'une part et d'autre part, l’effet marginal de l’assurance-vie est influencé par les caractéristiques structurelles des pays (chapitre 5). Les primes d'assurance augmentent de façon significative la valeur des titres négociés sur le marché financier aussi bien avant et après la crise de 2007(chapitre 6). Troisièmement, la thèse a montré qu’il existe une relation à long terme entre le développement de l’assurance non-vie et l’ouverture commerciale et que les primes d'assurance non-vie améliorent l'ouverture au commerce international aussi bien dans les pays en développement que spécifiquement dans les pays à faible et moyen revenu (chapitre 7)This thesis is composed of a set of research in applied economics that enroll in the contemporary field of economics of insurance. The thesis analyses how developing countries could develop more the insurance sector and benefit from these effects on local economy. The first part explored the determinants of insurance development from a macroeconomic perspective. First, the results show that increase of income per capita leads to an increase in life insurance premiums and that life insurance is a luxury commodity in Sub-Saharan Africa (chapter 2). We also find evidence that the marginal impact of income varies according to the quality of legal and political environment. Second, analysis of effect of the FDI inflows shows that these are a key factor in increase of non-life insurance premiums in countries of Sub-Saharan Africa (SSA) and in other developing countries (chapter 3). In chapter 4, the results highlighted that the activities of life insurance and banking are substitutable in SSA and, however, there is presence of unidirectional causality running from real private credit density to life insurance and insurance density. The second part of the thesis has analysed effect of development of insurance sector on economy in developing countries. First, it appears that the development of life insurance has a positive effect on economic growth on the one hand and on the other hand marginal effect of life insurance is influenced by the structural characteristics of countries (chapter 5). In chapter 6, the results showed that the insurance premiums significantly increase stock market value traded, before as well and after the 2007's economic crisis. Finally, the thesis showed that there is a long term relationship between the development of non-life insurance and trade openness and that non-life insurance premiums improve openness to international trade as well in developing countries than specifically in low and middle income countries (chapter 7)
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WANG, CHU-MING, and 王渠銘. "A Project For the Difference of Insurance Business Promotion of Life Insurance Company Between Government-Owned and Private Banks." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/98a6ma.
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碩士逢甲大學
金融碩士在職學位學程
106
Abstract This study focuses on the differences between domestic insurance companies in promoting insurance business between public and private banks. The insurance business of this research is based on life insurance. The research object is domestic F insurance company and T public bank and T private bank. The data source is F Insurance Company's life insurance premium business for the two banks in 2017. This research found, Private bank branches in the North, Central and South regions will be greatly affected by the regional nature of the branches；Public banks are due to the main customer attributes, Most of the products sold are mainly paid for one time. In addition, When the bank’s position is selling life products, Goods that are sold less hours in the insurance business will be biased toward goods with higher fees；When the insurance business volume is larger, this situation is not obvious. At las, Incentives set by the bank when promoting insurance business, It is found that the insurance business of private banks promotes the benefits more obviously than the public banks and has great differences. Key Words：Bancassurance, Public bank, Private Banks, Business promotion
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Tu, Ling-Chia, and 涂菱家. "A Study on Bank Insurance Channel Strategies of Life Insurance Firms – Taiwan Life Insurance as an Example Company." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/85778476612834657041.
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碩士元智大學
經營管理碩士在職專班
99
This study primarily explores bancassurance channel strategies of life insurance firms. This study uses case interviews to interview senior directors at life insurance firms as well as senior directors and financial management personnel responsible for sales at banks, in order to research life insurance firms and explore how they develop bancassurance channel strategies. In Taiwan, in collaboration between life insurance firms and banks, bank insurance business generally signs tri-lateral contracts. In recent years, in the life insurance marketing channels, bancassurance has taken up over 60% of the business of life insurance. This study primarily explores how life insurance firms that have not joined financial control groups can increase their own competitiveness to continue developing in the bancassurance business; the factor of bancassurance channel management strategy is an important issue. This study uses literature review and question design to establish a research framework, using aspects such as the motivation for strategic alliance collaboration, selection criteria for strategic alliance partners, and interaction and communication in the process of forming the strategic alliance, to explore factors that affect the management strategy of bancassurance channels. This study proposes the primary factors for banks selling insurance products, and it is hoped that this can be used to provide life insurance firms with a reference in the management of bancassurance business, so as to elevate the competitiveness in terms of bancassurance channels of life insurance firms that have not joined financial control groups.
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Chai, Tsai-yu, and 蔡采育. "A Study on Bank Teller’s Willingness for Marketing Mortgage Life Insurance." Thesis, 2013. http://ndltd.ncl.edu.tw/handle/55015025093988267891.
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碩士朝陽科技大學
保險金融管理系碩士班
102
Abstract The banking industry in Taiwan has faced low-interest-rate lending environment in recent years. Furthermore, the soaring of domestic housing prices leads to the increase of the loan amount, hence the risk exposures of the banks’ borrowers and creditors. It is even harder for those institutions whose business focuses mainly on traditional lending, since the spread is shrinking. Kotler, Long&;Tan, (1999) propose that the costs of getting new customers are five times to retaining old ones. It is more cost efficient for banks to increase current customers’ satisfaction and expand the scope of business with them. Although the market share of mortgage life insurance (MLI) policies in Taiwan has room for improvement, there’s nothing novelty in the product. In essence, MLI policies are designed to pay out upon the death of the insured like traditional term life. People carrying a mortgage on their home need MLI. And banks can explore the possibility of expanding the scope of business with their current mortgage carriers, without incurring the high costs of acquiring new customers. When customers purchase a policy for MLI, the policy will pay off the mortgage on their home if he/she should die. It protects the homeowner’s family from economic distress. Banks also feel more secure about loaning money to a homeowner with MLI since this type of policy basically pays off the balance owed on the mortgage to the banks. It’s a win-win situation. Bank tellers play an essential role in the marketing of MLI because they are the ones who have direct contact with customers. Due to the intangibility of insurance products, the salesperson is very important in the process of marketing the MLI policies. This study believes that the motivations and marketing behavior of bank tellers can influence the customers’ decision, hence the outcome of the banks’ MLI sales. The object of this study is the bank tellers from two banks in their central Taiwan branches. Analysis is based 200 valid samples, which are obtained from questionnaire investigation. After conducting the T-test, ANOVA and correlation analysis, the findings are as follows: 1. The factors affecting bank tellers’ marketing motivations for MLI are significantly different in two banks. 2. Demographic variables significantly affect bank tellers’ marketing motivations for MLI. 3. Bank tellers’ marketing motivations for MLI significantly affect their performance.
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黃馨慧. "confer the fairness of risk capital between life insurance company and bank." Thesis, 2007. http://ndltd.ncl.edu.tw/handle/96381646751901618873.
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Lan, Shih-yun, and 藍詩韻. "A Study of Telemarketing on Life Insurance: The Case of C Bank." Thesis, 2013. http://ndltd.ncl.edu.tw/handle/s4sa9s.
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碩士國立高雄大學
國際高階經營管理碩士在職專班(IEMBA)
101
After MOU agreement, the firms face not only the challenge from Taiwan but also China. However, the changes of operation in organization and environment are different to 1990, the use of telemarking is also the main tool of marketing. In recently, foreign companies in Taiwan push telemarking actively, and they have good performance. It is necessary to re-think and re-design the operations and strategies of the telemarketing. In this study, researcher argues that the firm could have good performance by applying out-bound model. In other hand, it is not useful to apply in-bound model on high-involvement consumers. In addition, the both out-bound model and in-bound model are not working on improve the royalty of consumers. The result of study indicates that the relative divisions in company should re-think the design of telemarketing and combine some tool, such like consumer relationship management, to improve the royalty of consumers.
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Mao, Teng-Hung, and 毛登宏. "Case Study On The Exclusive Life Policy Between Insurance Company And Bank Marketing Channel-T Life." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/60389536243845907168.
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碩士淡江大學
保險學系保險經營碩士在職專班
98
Since the financial crisis in 2008, there have been an increase in consolidation activities among banks and insurance companies in Taiwan, not mentioning the trend going towards market concentration and changes in strategic directions. By developing Unit-Linked Products, insurance companies are able to have the problems of channel concentration and interest spreads alleviated. It also steers the insurance industry from a traditional model towards one that is more efficient in processes and knowledge. As a result, a bancassurance sales model that is fitting to Taiwan’s insurance market will also evolve through time. Through series of research and analysis, the results are as follows: 1.Insurance companies should establish closer business ties with partnering banks. 2.Product-focused orientation will be geared towards customer needs-focused, a consequence of demand for profitability. 3.Unit-Linked Products will develop more diversely, with the underlying investments shifting towards bank’s trust platforms. Protection products, for example, variable universal life, other types of life, accidental and health products, will continue to be sold in channels that produce strong sales, yielding consistent profitability. 4.Being adversely affected by IFRS regulations, foreign insurance companies could only continue to focus on Unit-Linked products. Consumers will benefit from products of international scale and lower prices. 5.Banks sell insurance products through large numbers of bank branches, with more focus on customer relationship management and sales quality. 6.Bank brokers will act on diversifying customer base and establishing partnership with insurance companies that are competitive in product integration and long term business partnerships. Bank brokers may exploit such opportunities through channels such as traditional brokers, subsidiaries and telemarketing. 7.Banks will further strengthen marketing in the corporate banking business, as a means of improving overall efficiency.
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Chiang, Mei-Fang, and 江玫芳. "Analysis on Employee Engagement， Retention and Performance: A case study of foreign-owned life insurance company." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/438586.
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碩士國立臺灣師範大學
高階經理人企業管理碩士在職專班(EMBA)
107
We’re now entering the era of Knowledge Economy in the 21st century and one of the important foundations of knowledge economy is human capital. From the perspective of human capital， employees are regarded as the capital of the company rather than cost and the main determinant of organizational performance is the development of human capital. After years of research， scholars and human resources consultants have found that higher employee engagement can lead to higher performance and retention. In a company where the employment engagement is high， employees tend to believe in and identify themselves more with company's core values and are fully committed to company’s vision and achieving company goals. While human resources personnel are exploring methods to achieve organization effectiveness and employee retention， one of the most discussed topics is whether employees’ commitment can be directly linked with productivity. My research is based on more than 300 back-end office staff engagement reports from a foreign-owned life insurance company in Taiwan. It analyzed the employee engagement， retention rate and company performance from the business perspective in 2 steps: firstly by studying Western and Eastern scholars’ theories on their definition and concept of employee engagement and secondly by analyzing the case company Gallup Q12 employee engagement report in order to compare the differences of employee engagement， retention rate and corporate performance between the local and non-local general management. In addition， with the onboarding of local general manager， will the HR policies enhance employee engagement， retention rate and corporate performance. According to recent research data， improving employee engagement will have a significant positive impact on retention rate and corporate performance. Based on the empirical results， this study proposes both theoretical and practical implications and recommendations for follow-up studies， and expects the recommendations and conclusions of this study to help the case company to promote "employee engagement".
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Lin, Cheng-fang, and 林正芳. "The Determinants of Strategic Partnership by the Life Insurance Industry in the Running Bank-assurance - A Case Study of a Life Insurance Company." Thesis, 2009. http://ndltd.ncl.edu.tw/handle/c6etzq.
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碩士國立中山大學
企業管理學系研究所
97
In 2002, Financial Holding Company Act was executed in Taiwan. In order to provide customers with “one stop shopping”, the act allows financial holding companies to own subsidiaries in different financial areas like banking, life insurance, property insurance and securities. However, to those groups who do not have the above subsidiaries, they meet changes and challenges of a new business condition. The saturation of whole life insurance policies and the decrease of interest rate result in the increase of the insurance premium. In this way, traditional insurance service stops improving. Under such pressure, those non-financial holding insurance companies manage to form strategic partnership with banks to develop bank-assurance market and expand marketing channels and by time achieve the goal of achievement development and stable management. This thesis aims to explore “the operating mode and achievements appraisal of the strategic partnership between insurance industry and banking.” Because the bank-assurance market of Taiwan has just started, there are no numbers to assess the achievement appraisal. As a result, the thesis discusses the achievement of strategic partnership between insurance companies and banks by interviewing the managers. The research bases on literature review and question design and evaluates the achievement of strategic partnership by examining the motives of launching a strategic partnership, the conditions of choosing a partner and the interaction between both sides. The outcome of research shows, in the process to form strategic partnership, it is the insurance company’s fame and reward system that determine if the insurance company is able to get into the banking system. The more the executives trust each other, the more possible they can co-operate. In the strategic partnership, both sides share resources, which is why bank-assurance expands. The chief aim of strategic partnership is to create profits, then the achievement income. The research also shows that old banks and new banks have different conditions for the strategic partnership. The insurance companies have come up with different strategies regarding their own management and the need of their partner banks. In this way, they can have long-lasting and stable management in bank-assurance.
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Brown, Jennifer Lynn 1975. "The spread of aggressive corporate tax reporting : a detailed examination of the corporate-owned life insurance shelter." Thesis, 2008. http://hdl.handle.net/2152/3850.
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This paper investigates the spread of aggressive corporate tax reporting by modeling a firm's decision to adopt the corporate-owned life insurance (COLI) shelter. I use a sample of known COLI participants to examine whether certain firm characteristics are associated with the decision to adopt a COLI shelter. I find some evidence that firms with higher performance-matched discretionary accruals are more likely to adopt a COLI shelter, suggesting a positive relation between aggressive financial reporting and aggressive tax reporting. I also find that firms with greater capital market visibility are less likely to adopt a COLI shelter, consistent with a potential reputational cost for being associated with aggressive tax avoidance activities. Further, my results suggest that COLI adopters are generally R&D intensive firms with low leverage and few foreign operations. In addition to firm specific characteristics, I consider two explanations for the spread of COLI adoption motivated by theory on diffusion of innovations and institutional isomorphism. I investigate whether firms imitate prior COLI adopters and whether COLI adoption spreads through common auditors. My results are not consistent with an imitation explanation. Further, my results suggest that having the same auditor as a prior COLI adopter does not increase the likelihood that a firm will adopt COLI.text
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LEE, MING-CHU, and 李明珠. "A Research of the impact of salary system Difference on the Employees of Bank Insurance Department in Life Insurance company." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/n56cc5.
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碩士逢甲大學
金融碩士在職學位學程
106
This study mainly discusses the impact of differences in salary systems on the employees of insurance companies in the banking sector. In-depth understanding and further analysis through questionnaires and interviews. I hope that through this study, I can discuss the views and influences of the employees of the corporate banking insurance department on the differences in the salary system. The results of this study show that different salary systems do have different implementation directions for employees' business execution, There will be a certain degree of pressure on the difference in promotion assessment. Among them, the efficiency salary system is for employees, Have a certain level of incentives and can produce high performance. However, if the performance goal is not met for a long time, it will not be able to achieve incentive. For the company, A single department should adopt a single salary system. The implementation of the policy should be more simplistic. As a result, the company is more consistent and fair in business management, Fair implementation. Discovery through this study, Advise business managers and follow-up researchers.
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Wu, Chi-Hsi, and 吳其錫. "Key successful factors of the privatization of Government-Owned Enterprises-A case study of Taiwan Life Insurance Company." Thesis, 2013. http://ndltd.ncl.edu.tw/handle/s7x962.
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碩士國立中興大學
高階經理人碩士在職專班
101
Abstract Among all stages of economic development in Taiwan, public enterprises have been given different policy objectives or playing different roles. Thus, every public enterprise has its own policy objectives. In recent years, public enterprise performance and privatization of many public enterprises from other countries have pushed domestic public enterprises to step into the privatization trend. Experiences of privatization of public enterprises from other countries have contributed to the success of privatization of public enterprise on performance, and the improvement of the country''s overall economic performance. Taiwan Life Insurance Company is the first insurance company set up by the Taiwan government, and is endowed with the responsibilities to implement the government''s insurance policy. As the wheel of time turns, Taiwan Life Insurance Company began the process of privatization In January 1997 to be in line with the government policy of privatization of public enterprises. The privatization lasts for 14 years. The management process, organizational structure, operating policies and other changes have been made significantly. The objective of current study is to explore the key success factors of Taiwan Live Insurance Company privatization. The results can provide a reference for public enterprises privatization in Taiwan. Results from current study revealed that the key success factors of Taiwan Life Insurance Company privatization include the following several points: 1. Sale of shares with the employees, and encourage employees to acquire 2. Provide early retairement policy 3. The enterprise-organizational structure innovation 4. Design a development system that considered overall interests of stakeholders 5. Business image redesign by leveraging on media exposure
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Li, Wan-ting, and 李琬亭. "The Performance Analysis of the Privatization of a Public Owned Enterprise-A Case Study of T Life Insurance Company." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/36628468979093276687.
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碩士逢甲大學
經營管理碩士在職專班
99
Following the trend of financial liberalization, the liberalization concept has become the main policy to conduct the privatization. Since July 1989, Taiwan has taken in a formal move to promote privatization of state-owned enterprises. The purpose of this study is to compare the company''s operating performance before and after privatization in 1988. To understand the overall business performance before and after privatization case, this study conducts a comparison analysis from organizational change, financial condition, operating performance and the case study method. And, the findings of operating performance after the privatization can be summarized in the following two major points: First, company splits the business operation into industry and asset management framwork, emphasizing not only on the importance of asset management, but also ability to smooth earnings growth over the years. Thus, it makes the strong foundation for the company''s EPS being the top for the next nine years within the listed insurance peers in Taiwan. Second, in terms of the growth of all new contract, effective contract and premium income, the overall market share of the company during privatization of the early （year 1987~ 1999）was higher than before-privatization operating performance. And, the market share of privatization of the recent （year 2008~ 2010） is higher than that during state-owned .
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WU, HUNG-LIN, and 吳鴻麟. "A STUDY ON MARKETING STRATEGY OF UNIT-LINKED INSURANCE WAS DISTRIBUTED BY BANK AND AGENCY -- TAKE A LIFE INSURANCE COMPANY AS AN EXAMPLE." Thesis, 2006. http://ndltd.ncl.edu.tw/handle/52011679307066494572.
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碩士國立臺北大學
國際財務金融碩士在職專班
94
ABSTRACT A STUDY ON MARKETING STRATEGY OF UNIT-LINKED INSURANCE WAS DISTRIBUTED BY BANK AND AGENCY --TAKE A LIFE INSURANCE COMPANY AS AN EXAMPLE by WU, HUNG-LIN June 2006 ADVISOR(S)：Dr. GOO, YEONG-JIA, Dr. LIN,JOUNG-YOL DEPARTMENT：EXECUTIVE MASTER OF BUSINESS ADMINISTRATION IN INTERNATIONAL FINANCE MAJOR：INTERNATIONAL FINANCE DEGREE：MASTER OF BUSINESS ADMINISTRATION Since 1995, influence glided all the way by the domestic and international economic violent change of environment and interest rate market, to and on bank distribution as the domestic life insurance person of the main shaft with the traditional products, the double impact that shrunk by the achievement and the profit decrease and expand constantly, jeopardize the financial and managing situation of the company seriously, the government and insurance companies are eagerly to look for the solutions to the problem. For this reason, under the financial internationalization, the tendency of liberalization, the government lightens restrictions on the financial decree, the insurers who engage at the same time seek to research and develop innovation in products, impel the life insurance market to produce the structural change. Among them it was rise of Bancassurance and appearance of the Unit-Linked Insurance that influenced hard the most. Started Bancassurance and Unit-Linked Insurance, although open the new field for the domestic life insurance market, it changed the ecology and structure of the market completely. So, this research is focused on the difference between bank distribution and traditional distribution in product, place, price and promotion etc. Also focused on company A life insurance which has excellent performance case analysis, and to interview the China trust commercial bank, Taishin commercial bank, First commercial bank, Syshoya insurance broker Co., Ltd. , and the agency of Allianz President life insurance, in order to understand the marketing strategy of every distribution currently, and the development of Unit-Linked Insurance in the future. The result of study shows: First, no matter the customer's age, gender, location, term that insure, mode of payment, average premium, average premium, link target, and additional expense rate, etc., there is obvious market districts in the traditional distribution and bank distribution. So every distribution should use their own advantage then to set up a goal and target at the possibly market to increase the successful sales opportunity. Second, rise of Bancassurance, because there are high-quality marketing personnel, plentiful customer resource, and the good brand of bank and the customer's high trust with professional knowledge of finance and money management, it’s really useful in selling Unit-Linked Insurance. Third, on marketing strategy in products, place, price, promotion, etc., two different distributions are very different in marketing tactics. Basically bank distribution is flexible in marketing strategy. The traditional distribution is limited by the policy of insurance company, more difficult flexible change. Fourth, for the future development of investment product, all interviewees have the optimistic view, especially to the demand of the pension market in the future. Unit-Linked Insurance market is focused more; but for the law restrictions and complicated goods content, the insurers think this is main factor obstructed of selling. Synthesizing the above research, face the strange and changeful and changeable life insurance market environment, diversified functions of the making the investment type insurance can really accord with different guest's demands of group, and got approval and favor of the domestic seller. This research, besides strengthening staff members about the professional training knowledge and marketing technical ability of the investing in type insurance in an all-round way, the more important thing is should one's own terms, advantage and key competitiveness of thorough fare, do well the effective market district to separate, and the strategy that marketing of working out combining product, place, price and promotion, could gain the first chance in the market. Key words: Bancassurance, Unit-linked Insurance, Marketing Mix, Marketing Strategy
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LAI, WENT-TANG, and 賴文堂. "A Business Performance Analysis of Financial Channels–Exemplified by Bank Channels of M Non-Life Insurance Company." Thesis, 2009. http://ndltd.ncl.edu.tw/handle/45425533829054880205.
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碩士逢甲大學
經營管理碩士在職專班
97
As the market for insurance commodities through door-to-door sales is ‘saturated’, insurance companies now resort to bank channeled sales as bank employees are professional in financing, have access to a large number of clients, and are well trusted. Moreover, banks’ accessibility and prevalent internet services also make it easier for customers to select products, channels, prices, and promotional sales strategies that suit their needs. This new bank-mediated insurance market is now regarded as an important means to ensure flourishing development in the insurance sector. In this research, information of financial/insurance market business environments, interviews, newspaper/magazine/journal reports etc., were collected and verified through literature references, theoretic basis, and in-depth research and discussion with the interviewees. The data collected (3 months) was then complied, analyzed, classified, and compared with related researches to derive at the following research conclusions: 1. Banks’ inclusion of insurance sales in performance evaluation will attribute to higher performance. In other words, a higher Key Performance Indication(KPI) ratio will mean better performance. 2. Bank channels provide one-stop services that ensure customers’ loyalty, customized insurance commodities/packages, and marginal revenues for banks. 3. Bank employees’ insurance commodity referral to clients (targets) will attribute to higher performance, reduced risks on the part of the insurance company as the targets have been screened, and greater business opportunities. 4. Insurance companies collaborate with banks in integrating resources and formulating incentives/promotional sales activities. Exclusive commodities are released annually to increase banks’ marginal revenues and insurance companies’ profits. 5. Insurance salespersons’ communication skill, sense of humor, and talents developed to help them approach customers (e.g. wine tasting, Qi Gong (Induced Psychosis), and ball sports) are preferable in addition to their sales skills, professionalism, enthusiasm, and high-quality services. 6. Insurance companies’ image, credit standing, credit rating, and technological administrative processing systems are prerequisites for insurance agents. 7. Integrated performance bonuses and promotional activities combined with banks’ incentive/penalty system will achieve instant results. 8. Supervisors’ visitations and mutual bonding will help them understand the commodity sales results and take prompt actions when problems arise. Performance will fall short of expectations without follow-up packages and quality services. Keywords: financial channeling、rate liberation、promotional sales strategies、 business performance
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莊保霖. "Organization Strategy, Structure and Management Change of Public owned Enterprise Tranmitted to Privatization- A Case Study of Taiwan Life Insurance Company." Thesis, 2005. http://ndltd.ncl.edu.tw/handle/01031138904074736102.
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碩士大葉大學
事業經營研究所碩士在職專班
93
ABSTRACT It is true that public owned enterprises should take nation’s economics, public wellfare into consideration. After entering WTO, global competition is seen to be more severe than ever. Consequently , public owned enterprises have faced unprecedented competition Public owned enterprises is now in the process of being transmitted to privatization. The present study take a serious evaluation on Taiwan Life Insurance Company regading employees’ attitude concerning organization strategy , structure and management change if it is to be turned over from public owned to private owned business﹒Specifically , the study is to look into the followings: 1.How employees’ attitudes are with respect to organization strategy before and after transmittal occurs. 2. How employees’ attitudes are in the aspect of organization structure before and after transmittal occurs. 3. How employees’ attitudes are regenerated arrangement change before and after transmittal occurs. 4.The study shall make suggestions to management authority as to future management policy making with the findings found herein. Key words: Privatization change ,organization change,organization structure , management process , Taiwan Life Insurance
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Tsai, Ching-Hua, and 蔡靜華. "Identity Attractiveness, Consumer’s Identification and Its Consequences: Study of Chinatrust Commercial Bank and Nan Shan Life Insurance Corporation." Thesis, 2005. http://ndltd.ncl.edu.tw/handle/26686471007664812898.
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碩士東吳大學
國際貿易學系
93
Related research in organizational behavior suggested that organizational commitment positively related to organizational identification. In recent years, it was proposed that consumers might have identification with specific organizations, such as highly recommended company or famous organization. Social identity theory was mainly applied to discuss employees’ interaction with their employed organization, seldom applied to explore consumers’ relationship with businesses or institutions. This research used “identification” construct tried to explore consumers’ mental willing in make relationship with business. With social identity and organization identification, the research tried to framework the identity attractiveness, identification and its impact on outcome variables. Data were collected from financial industry for empirical examination. 600 useful questionnaires were put into analysis with factor analysis, regression and t-test statistic tools. Research results focused that four hypotheses were supported. Identity attractiveness is the determinant variable which affects consumers’ identification with specific company. With higher identification, consumers have higher loyalty to specific company, higher tendency of altruistic behavior and customers recruiting. It is important implication for marketer to enforce identity attractiveness, and identification, to induce positive favorable consumers’ behavior.
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Shih, Chia-Ying, and 石家盈. "The Impact of Merger of Government-owned Financial Institution on the Organization Commitment of Employees: An Example of BankTaiwan Life Insurance Company." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/33741645459683449428.
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cheng-yang, Chin, and 秦正楊. "A Comparison and Analysis among Investors, Personality Traits, Perception Risk, Hedgig Behavior,and Wealth Result of Investement Linked Insurance Products-A case Study Of Foreign Owned Bank´s and Domestic Bank´s Investors." Thesis, 2009. http://ndltd.ncl.edu.tw/handle/54939174995228600974.
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碩士大葉大學
國際企業管理學系碩士在職專班
97
This research main purpose is discusses the investment chit to invest everybody Gutt archery target difference whether to penetrate takes refuge from danger the behav-ior to affect the wealth effect, will its consciousness risk, whether there is take refuge from danger between the behavior and the wealth effect the relevance. But investor's consciousness risk whether can affect takes refuge from danger the behavior, as well as personality special characteristic difference whether to have the different wealth effect. This research uses the questionnaire (questionnaires survey) the way, altogether sends out 500 questionnaire, recycling effective questionnaire 305, the effective returns-ratio is 61%. This research discovered after the empirical study result: The personality special characteristic to takes refuge from danger the behavior, the wealth effect to present the remarkable forward influence; Consciousness risk to takes refuge from danger the be-havior to present the remarkable forward influence; However actually not presents the remarkable influence to the wealth effect; Takes refuge from danger the behavior to pre-sent the remarkable forward influence to the wealth effect.
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SHIH, YU-CHING, and 施佑靜. "The Research of Dymanic Strategic Groups of Life Insurance Company in Taiwan－Analysis that Bank Improvement Impacts on Insurer’s Strategy and Performance." Thesis, 2006. http://ndltd.ncl.edu.tw/handle/vvg25m.
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碩士國立臺灣科技大學
企業管理系
94
This research aims to study life insurance companies in Taiwan. Many practical researches related to competitive behavior and performance of life insurance companies have provided reasonable results but only few among them probing the same issue across a long-term dynamic operation timespan. The lack of study on this issue may result in misjudgement and incorrect prospective proposal of whole industry strategies and trends of companies variations. Therefore, we adopted analysis method of dynamic strategy modules to make a crossing examination of each strategic group characteristic and performance difference among modules. Meanwhile, we also make vertical analysis of main variations among primary strategies, performance and module components linked with practical operation in order to reveal the key elements of industry strategies to confirm the competitive condition based on understanding strengths of company and its opponents. In addition, we discuss the implementation of bank improvement and question its positive and negative impacts on life insurance companies. The research method comprises the sample of 25 life insurance companies in Taiwan from year 1998 till 2004. We used 9 variables of strategies in the statistic test of Box’M and Hotelling T2 to divide the time session of SSTPs then apply Two-Step Cluster Analysis to classify 25 life insurance companies afterwards, and made confirmation of accuracy and stability of each group in Discriminant Analysis. Finally, we compared the differences of three performance indexes between each group in one-way ANOVA analysis. The research findings express: 1. There is a significant difference of primary strategies among each operational session of life insurance companies. 2. There are different characteristic strategic groups existing in each operational session of life insurance companies. 3. There is a significant difference of performance of strategy groups among each SSTP except the second session of renewing insurance deals.4. There is no significant improvement of whole performance of life insurance companies after the implementation of bank improvement by our government.
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CHOU, CHEN-YI, and 周鎮議. "THE RESEARCH OF ADJUSTS THE SUITABILITY SALE, THE SALE MANNERSTO THE CONNECTION OF THE LIFE INSURANCE SERVICE ACHIEVEMENTS—TAKE THE BANK AS THE EXAMPLE." Thesis, 2007. http://ndltd.ncl.edu.tw/handle/54502993279304355519.
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碩士國立臺北大學
企業管理學系
95
Nowadays, Financial Management is becoming one of a popular issue in bank services. In order to overcome the competitors from International Financial Institutions, the Taiwan Financial Organization announced a new law for Taiwan banks, which allows Taiwan bankers to combine banking service, insurance investment , and stock investment to operate. So that customers can buy all products in one bank. However, it caused insurance companies faced a heaving shift, and the marketing strategy have been changed. There have been many channels for customers to buy insurances, such as: Insurance Company,InsuranceSeller, bank, website,stockinstitution, DM, creditcard...etc.Especially, banks are always aggressive to sell insurance and make good profit. However, it is evidenced that banks in Europe and America sell insurances successfully and make good profit. From now, the customers in banks are much more than in insurance companies. On the other hand, insurance companies plan to sell insurance through banks, because banks usually keep more financial information of customers, and customers are usually with higher loyalty to banks. Besides, many customers believe that the financial analysists in banks have higher financial knowledge than the sellers in insurance companies. Furthermore, it is important to allocate the financial management well to everyone. Hence, it is easier for the Insurance Companies to sell insurance by financial analysists in banks, by planning a financial management. This study will focus on the financial analysists and try to investigate the general situation of marketing. The data has been collected by questionnaire survey and proceeded with reliability and validity analysis, regression analysis and related statistical techniques. And we will further explore the relationship between financial analysists adaptive selling, sales attutide and sales performance. The result finds that: in the life insurance interactive marketing, the financial analysists adaptive selling is significantly related to sales performance, but this significant relationship has not intermediary effect of sales attutide. Besides, financial analysists selling attutide is also significantly related to adaptive selling. From this research finding, we can provide some concrete suggestions and implications about management and marketing to insurance company and financial analysists.
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Hao, Lin Yu, and 林鈺皓. "From the Viewpoint of Relationship Quality to Explore the Antecedents of Selling Intention and Advocacy intention of Bank Financial Consultants toward Life Insurance Products." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/q9678e.
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碩士東吳大學
企業管理學系
102
Abstract Before 2000, the life insurance sales channel is mainly based on direct sales, traditional brokers, and insurance agents in Taiwan. After “Financial Holding Company Act” applied, the boundary between banking, securities, insurance becomes less clear. Banks possesses more client resources and hence makes “Bancassurance” a most successful model among insurance distribution channels. In banking channel, financial consultants are responsible for selling life insurance products. As consultants are not employees of insurance company, there exists a special relationship between customers and them. How to effectively maintain high relationship quality and to increase selling intention and advocacy intention becomes a key element in marketing strategy for insurance companies. Insurance companies used to adopt relationship management to maintain the relationship between salesperson and them. Researches prove that high relationship quality helps improve the loyalty of the salesperson. However, it is ineffective to promote insurance products only by salesperson’s loyalty. The concept of how to enhance selling intention and advocacy intention is less addressed in relationship quality researches.This study based on relationship quality theory builds an integrated model to discuss the financial consultants’ selling intention and advocacy intention. Purposive sampling for financial consultants and structured equation model is used in the analysis within the scope of Bancassurance. The results shows that when the consultants feel trusted and satisfied with the insurance company, they are more willing to give commitment, which helps improve their selling intention and advocacy intention. Key words: Bancassurance, Relationship Quality, Selling Intention, Advocacy intention
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HSIAO, MING-TA, and 蕭明達. "The Study of the Effect of Job Training and Incentive Systems on Job Satisfaction and Customer Relationship Management-Evidence from the Sales of the Mortgage Life Insurance of L Bank." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/4s45av.
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碩士國立雲林科技大學
會計系
106
n this study, questionnaires were conducted as a research tool, and the subjects were those who engage in mortgage life insurance business in L Bank of central Taiwan. This study investigated the direct effects on job satisfaction and customer relationship management under their company's job training and incen-tive systems. At the same time, it also investigated the indirect effects on job sat-isfaction and customer relationship management through other intermediate vari-ables, such as organizational identification, job involvement, and human capital. Statistical analyses including independent sample t test and one-way ANOVA were conducted. The results are: 1. The job training and financial and non-financial compensation for the mortgage life insurance salesmen have positive effects on their job satisfaction and customer relationship management. 2. Through intermediate variables such as organizational identity, job in-volvement and human capital, there is a positive correlation on their job satisfac-tion and customer relationship management. The direct effect of job training on their job satisfaction is negative; however, it turned positive through intermediate variables such as organizational identity, job involvement and human capital. It indicates that the more job training they have, the higher their job satisfaction will be. In addition, financial compensation for customer relationship management is the same situation.