兩岸保險經紀人制度之比較研究

A Comparative Study of Insurance Broker System Between Taiwan and China

周大猷(Da-Yu Chou)

指導教授 ： 廖述源

淡江大學/商學院/保險學系保險經營碩士在職專班/碩士(2009年)

https://doi.org/10.6846/TKU.2009.00033

摘要

近年來兩岸經濟快速發展，保險金融經濟環境變換迅速，及社會多元化、商品多樣化、資訊透明化、費率自由化等因素，使得城鄉差距縮小，居住密度增大，各地高科技產業開發設置，高單價設備、廠房、機器等財產已呈密集化趨勢，潛在風險增加引來對保險更大需求，而保險經紀人在整個保險市場上是基於投保人利益，為投保人與保險人訂立保險合約提供中介服務，並依法收取佣金及服務費用；由於保險業務之經營具有高度技術性，保險契約之相關事項又具有複雜性，因而保險經紀人在保險市場上扮演著很重要角色。
專業保險經紀人將優質商品推介給要保人，並負責售後服務工作；消費者經由保險經紀人之安排，以最合理保費和服務得到需要保險產品，再經由保險經紀人良性競爭，帶給消費者更高品質之服務和保障，帶動保險事業之繁榮。兩岸保險經紀人加入國際市場後，在邁入全球化、自由化過程中勢必面臨更多之難題、機會和挑戰，而為因應整個保險市場機制，在兩岸保險經紀人管理制度面應提出改善措施和具體建議方案，期能對健全兩岸保險經紀人管理制度有所助益。兩岸在進入全球化市場後，為配合推動保險業邁向自由化之際，引導兩岸保險經紀人走上國際化是政府監理與業界相關的職責，期就產業面、制度面、教育面、主要特色面等檢視其制度之缺失，並加強輔導，藉以提升保險經紀人之專業水準，增強對保險業及保戶之附加價值，提高國際性競爭力並促進國際性合作，期盼兩岸保險經紀人優勢互補，資源整合、專業匯集、提升水準、增進服務效率，及早迎頭趕上與世界接軌。
台灣過去對大陸市場一直採取封閉做法，造成台灣保險業對大陸市場相關資訊嚴重缺乏，如今在金融自由化及國際化潮流下，台灣漸次開放對大陸保險市場投資，唯肇因於資訊取得不易及不透明，使得台灣保險業在大陸申請開辦辦事處乃至最後取得營業許可證，仍需花費大量成本。因此，希望藉由本研究來探討台灣保險業若干在大陸市場經營之參考，並提出有意至大陸地區創業之保經、代公司或有志之士一些市場資訊。

關鍵字

保險經紀人 ； 保險經紀人制度 ； 保險中介人

並列摘要

With the rapid improvement of economy in the two sides across the Taiwan Strait, the environment of insurance and finance is changing quickly. Meanwhile, the diversification in society, merchandise, information, and charge all contribute to the reduction of the gap between cities and countryside, the high population density in cities, the establishment of hi-tech industries, and the trend of density in the high-price facilities, factory buildings,and equipments. As the potential risk is rising, it will result in more demand in the insurance. An insurance broker in the whole insurance market stands for the benefit of his customers, concludes an agreement, provides the service between his customers and insurance companies and earns commission. Owing to the difficulties in the insurance business and the complex in the insurance contracts, insurance brokers play an important role in the insurance market.
A professional insurance broker recommends exquisite goods to his customers and takes the responsibility of after-sales service. Consumers get what they need with the most reasonable price and service through the arrangement of the insurance brokers. Also through the constructive competition among the insurance brokers, it will bring high quality service and guarantee to all the customers. After the entering of the insurance brokers between the two sides across the Taiwan Strait, we will face more difficulties, opportunities, and challenges in the process of globalization and liberalization. In order to respond the insurance system timely, we must propose reformation plans and concrete proposals in the aspect of the insurance system between the two sides across the Taiwan Strait. We hope that we can do good to the insurance system between the two sides across the Taiwan Strait. After entering the globalization market, in order to get the insurance moving into the liberalization, the government should take the responsibility supervising and leading the insurance brokers into internationalization. We hope the government examines the defect of insurance system from all aspects, directs the ways to improve the professional level among the insurance brokers, strengthens the added value to both the insurance fields and the customers, enhances the international competency, and promotes the international cooperation. We also hope that we can increase the complementary advantages among the insurance brokers between the two sides across the Taiwan Strait, integrate resources, collect specialties, upgrade levels, raise the service efficiency, and catch up with the whole world.
Taiwan in the past always takes a conservative attitude toward the market in China. It results in the information lack about the market in China. Nowadays, in the trend of finance liberalization and internationalization, Taiwan opens up the investment of the market in China. Owing to the opacity of information, Taiwan’s insurance companies still cost lots to set up a branch office or get the sales license. Therefore, in my study, I would like to discuss how to operate an insurance company in the market in China, and provide some market information to the same trade.

並列關鍵字

Insurance Broker ； Insurance Broker System ； insurance agent

參考文獻

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