- 學位論文
台灣壽險業進入大陸市場經營模式之探討
Explore the business model of the life insurance industry in Taiwan to enter the mainland market.
摘要
台灣壽險業經過幾十年的蓬勃發展，依據2012年最新資料顯示台灣壽險市場已經逐漸趨向飽和狀態，在此前提及金融自由化的誘因下，擴張國際版圖，已成為必然趨勢。而中國大陸隨著經濟快速改革與開放，保險產業獲得了迅速成長，對全球的壽險業而言，中國大陸的龐大人口規模、社會保障體系改革的推進，以及國民生活水平的提高，都為中國大陸的壽險業提供了巨大的發展空間，而前往大陸發展更是台灣壽險業無法抵擋之趨勢。 中國大陸加入WTO後，市場循序對外開放，隨著外資保險業紛紛在大陸設立據點，更顯現出大陸保險市場無限商機。而隨著兩岸金融監理合作備忘錄（MOU）的簽署、兩岸經濟合作架構協議（ECFA）的協商，對台灣保險業西進大陸展開投資，相關的進入策略及方向的規劃執行，實在是值得赴大陸經營的台灣保險業深思的重要議題。 爰於這樣的想法，透過相關文獻、資料之分析作為研究理論基礎，再藉由兩岸壽險業的演進發展，瞭解兩岸壽險業市場現況，發現台灣壽險業依法可循之西進大陸經營模式，並將目前已進入大陸市場的四家台灣壽險公司經營現況與績效作一整理與分析，以作為將來有意前往大陸市場發展之壽險公司獲取最佳進入市場利益之建議。
並列摘要
According to the latest information from 2012, the Taiwan insurance industry has been developing over several decades, and that’s main reason that Taiwan is becoming a saturated market. Under the Condition and Financial liberalization, expanding international businesses is a necessary trend. Since China opened up and innovated their economic environment, its insurance market is rapidly increasing. China’s large population, innovation of their health care system, and improvement of living standards means the market in China has huge potential opportunities to develop. Few of the Taiwanese insurance companies can resist the attraction of this developing market. After China joined the WTO, it stared to open its economy up gradually. There are more and more foreign insurance companies that set up branches in China. We can now see some of those companies’ results and learn about the potential of the Chinese market. Recently Taiwan has signed MOU, ECFA with China, those treaties are extremely important issues to the Taiwan insurance industry. The Taiwan insurance industry should think about those issues seriously before developing in China. This essay is based on the analysis of pertinent literature and the evolution between Taiwan and China to understand the situation of the employment market and find a positive way to legally develop in the Chinese market. The research compares four Taiwanese companies which already run their own business in China. It will offer some useful information and good advice to those companies that decide to enter the market in China and run a successful business there.