- 學位論文
我國開放保險業兼業代理人制度之研究
A STUDY FOR THE DEVELOPMENT OF SPECIFIC INSURANCE AGENCY CHANNEL IN DUAL-STATUS BUSINESS ENTITY
摘要
針對於我國發展保險業兼業代理人(特定險種交易業務員)制度是否符合保險業業務拓展之新型態銷售通路模式，使消費者得予進行各種需求消費行為時，對於其消費同時所需要之直接相關保險商品亦能有同時購買保險之便利，得以減低交易成本，增加消費者之投保意願，進而提高保險滲透率，因此，本研究之主要研究目的係要瞭解兼業代理人制度之可能發展、透過對保險業之問卷調查及分析用以瞭解保險業對於兼業代理人制度之看法及可能影響以及透過統計量研究分析，瞭解保險業對於制度對於實務上業績增加、減少之可能影響。 本研究依據所回收之有效問卷資料，針對各項題目選項做敘述性統計分析，內容以次數分配表作為樣本對於保險業兼業代理制度之分析用以了解保險公司員工對於兼業代理制度的支持差異以及未來在執行上對於各險種業務量的影響關係。為了解贊成與反對兼業代理人制度對不同險種下可能產生之業務變化的差異比較，本研究以卡方檢定，檢測問卷題項間之關聯性，另以單因子變異數分析(One-way ANOVA)及事後分析(Post Hoc)驗證其差異性。 歸納本研究之發現後，保險業兼業代理人(特定險種交易業務員)制度對於保險業之健全及穩定發展將有一定之貢獻度，因此，對於保險業應如何推動該制度之發展，經主管機關之協助，由立法機關針對保險業兼業代理人制度予以立法同意該制度之施行，進而建構此一保險業新通路模式，對於保險業之業務推展提供一個全新的平台。
並列摘要
The study is to research the possibilities of developing a new business channel based on dual-status business entity insurance agency (the specific insurance transactions agency) in the insurance industry in Taiwan. This new business channel was suggested has advantages in reducing insurance transaction costs, and increasing the insurance penetration. The study also examines the performance of these possible contributions. From the valid questionnaire data statistic, the study explores the degree of acceptance the new system of the employees in insurance companies. In order to understand the pros and cons of dual-status business entity insurance agency system differences, in this study, using Chi-Square, one-way ANOVA analysis and Post Hoc test to verify the differences. The results indicate that develop dual-status business entity could promote the insurance industry sustainable development. In order to create a new business model of dual-status business entity, the study suggests the authority should build a well-established legal environment.