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研究生: 李文斌
論文名稱: 銷售通路對傷害保險損失率之影響分析
指導教授: 王儷玲
學位類別: 碩士
Master
系所名稱: 商學院 - 風險管理與保險學系
Department of Risk Management and Insurance
論文出版年: 2008
畢業學年度: 96
語文別: 中文
論文頁數: 50
中文關鍵詞: 傷害保險銀行保險通路行銷通路
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  • 國內保險經營,行銷通路長久以來均以業務人員直銷通路及經代通路為首要業務來源,近年來新興保險業務通路崛起,最被看好的為電話行銷通路、網路通路及銀行行銷通路,其中影響最鉅者即是銀行行銷通路。
    本研究乃針對銀行通路行銷傷害保險之效益與職業團體通路、直接業務通路、經代通路、電話行銷通路、網路通路與客服中心八種通路比較,對於保險公司保費收入與理賠支出面的影響。研究結果顯示
    (一) 銀行通路損失率顯著低於直接業務通路的損失率,是保險公司可以加強銀行通路業務
    (二) 電話行銷通路及網路通路在損失率比銀行通路顯著較低,為值得注意之新興通路
    (三) 電話行銷通路及網路通路在保險費比銀行通路顯著較低,可見傷害保險業務在通路尚有極大發展空間
    (四) 職業團體通路、直接業務通路與經代通路之損失率相對偏高,個案公司應積極改善此通路績效


    第一章 緒論 1
    第一節 研究動機與目的 1
    第二節 研究範圍與限制 6
    第三節 研究流程與架構 7
    第二章 理論與文獻探討 8
    第一節 銀行與保險合作模式 8
    第二節 通路結構 11
    第三節 通路結構之前因 13
    第三章 多重通路及通路網絡整合性之發展 20
    第一節 多重通路策略之個案分析 20
    第二節 通路網絡整合性分析架構 24
    第三節 通路網絡績效評估 26
    第四章 個案公司實證分析 28
    第一節 實證資料來源 28
    第二節 檢定方法 32
    第三節 各通路經營績效檢定分析 33
    第五章 結論與建議 37
    第一節 結論 37
    第二節 建議 40
    中文部份 42
    英文部份 43

    中文部份
    1. 吳鴻麟(民95),「投資型保險在傳統通路與銀行通路行銷策略之研究」,台北大學國際財務金融組碩士論文。
    2. 林建福(民91),「台灣地區連鎖超市業經營策略之個案研究」,政治大學經營管理碩士學程企管組商學碩士論文。
    3. 劉姿吟(民92),「通路品牌策略、通路控制力與通路績效關係之研究─以3C連鎖經營型態之資源基礎觀點分析」,中原大學企業管理研究所碩士論文。
    4. 陳力銘(民92),「通路結構演變與企業轉型策略之相關研究」,台灣大學國際企業研究所碩士論文。
    5. 盧淑惠(民92),「台灣連鎖藥局成長策略與成功關鍵因素之關聯性研究」,中原大學企業管理研究所碩士論文。
    6. 謝佳穎(民85),「3C產品通路選擇策略及個案研究」,台灣大學商學研究所碩士論文。
    7. 鄭家樑(民87),「大陸內銷市場通路組合決策之探析─上海地區台商之個案研究」,台灣大學國際企業研究所碩士論文。
    8. 廖舷安(民96),「產物保險業經營傷害險個案分析」,政治大學經營管理碩士學程風險管理組商學碩士論文。
    9. 周軒逸(民 94),「銀行促銷壽險產品意願之研究」,輔仁大學管理學研究碩士論文。
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