銀行保險照會件之研究

A Study of Underwriting Notification in Bancassurance Business

金凡雋(Fan-Chun Chin)

指導教授 ： 郝充仁

淡江大學/商管學院/保險學系保險經營碩士在職專班/碩士(2016年)

https://doi.org/10.6846/TKU.2016.00667

摘要

隨著銀行保險業務的蓬勃發展，儼然已成為壽險業者最重要的行銷管道。銀行職員或理財專員一連串的招攬行為中，至少包含解釋保險商品內容、保單條款以及填寫要保書注意事項，再加上主管機關為強化金融消費者的保護措施所給予的高度監理及與日俱增的行政規範，使得銀行保險業務員應接不暇，相對地產生許多保險新契約照會項目，無形中耗費多數人力資源與時間進行補全作業。
本研究旨在探討銀行保險承攬過程中所產生的新契約照會，透過不同險種常見的新契約照會案例分析與專家訪談作深入性之探討，進而歸納出銀行保險新契約照會產生背景以及如何降低照會率之措施，期有效改善銀行保險新契約照會流程，以節省人力資源來促進銀行保險多元化商品的健全發展，最後分別針對監理機關、壽險公司、保險輔助人提出建議，以供參考。

關鍵字

銀行保險 ； 新契約照會

並列摘要

With its prosperous development, bancassurance has become the most important marketing channel for life insurance companies. Under a series of solicitation behaviors, bank brokers and finance specialists should at least explain the content of insurance products and insuring clauses as well as fill in the announcement of the applications. In addition, they are busy tackling those increasing administration standards because of the supervision from the competent authority to enforce the protection of the consumers. This phenomenon not only produces a lot of new policy underwriting notification but also wastes most part of human resource and time to engage in underwriting document completion processes.
This paper focuses on the discussion of the new policy underwriting notification derived from the process of bancassurance solicitation. Through the analysis of its common examples and expert interviews, this study concludes the producing background of the new policy underwriting notification and the measures to reduce the notification ratio of unclean cases. We hope this study may provide methods to improve the procedures of the new policy underwriting notification and save human resource to promote organized development of multiple bancaasurance products. At last, this study provides suggestions and references for the supervisory authority, life insurance companies, and bank brokers and agents.

並列關鍵字

bancassurance ； underwriting notification

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