CFP®與台灣保險理財規劃之初探

The Preliminary study on CFP ® and financial planning of Insurance in Taiwan

蕭麗香(Li-Hsiang Hsiao)

指導教授 ： 繆震宇

淡江大學/商學院/保險學系保險經營碩士在職專班/碩士(2010年)

https://doi.org/10.6846/TKU.2010.01056

摘要

本研究架構分為緒論、文獻探討、研究方法、研究結果與比較分析、結論與建議共五章。研究目的在了解CFP®在個人理財規劃市場的狀況及探討壽險業出身的CFP®發展的狀況。研究限制為台灣到2010年4月累積取得CFP®資格只有805位，而壽險業出身的CFP®比例更是不高，所以無法推論至台灣全體CFP®的行銷策略。雖然事先透過資料的整理，但僅能於樣本抽樣時，盡量篩選出具有代表性的CFP®進行訪談，然僅五位CFP®做為個案，分析彼此相關性的比較研究，樣本數量代表性不足，容易造成誤差及誤判，因此研究結果也會受到限制。 本研究得出以下結論：1.CFP®證照具專業性及國際性，但取得不易；2.壽險從業人員更有條件發展成專業的CFP®；3.兩岸交流愈頻繁，CFP®的未來性愈看好；4.理財觀念的推廣持續必行。 另根據本研究資料彙整與歸納，對壽險從業人員提供三點建議：1.年輕的壽險從業人員精力應主要放在業務上；2.了解自己的定位；3.必須持續不斷的學習。對CFP®提供四點建議：1.不要急於去應用所學知識；2.建立自己的團隊；3.業務發展能力的培養；4.誠信是理財事業的基礎。對社團法人臺灣理財顧問認證協會提供三點建議：1.定期舉辦交流活動；2.CFP®資料的建立與更新；3.協助推廣CFP®的價值。

關鍵字

AFP ； 金融證照 ； 理財規劃顧問 ； CFP&reg

並列摘要

This research divides into introduction, literature, research methodology, results and comparative analysis, conclusions and recommendations of five chapters. Study aims to understand the CFP® in personal financial planning market conditions and the origin of life insurance CFP® development situation. Limitations of the study is that in April 2010 in Taiwan qualified CFP® are only 805, while the life insurance distribution industry, the proportion of CFP® is not high, it can’t provide fully information of CFP®'s marketing strategy in Taiwan. Five representative of CFP® are included in the case study. The number of sample makes the results will be limited.
This study draws the following conclusions: 1.CFP® certification is professional and international, but difficult to obtain; 2. The staff of Life insurance companies have the advantage to be qualified CFP®; 3. More frequent cross-strait interaction, more optimistic the future of CFP® is; 4. The concept of finance should be promoted continually.
According to this study, provide three suggestions to life insurance practitioners: 1. Young Life employees should put most of the effort on their own business; 2. To understand their own orientation; 3. Must continually learn. On the CFP® offers four suggestions: 1. Do not rush to apply their knowledge; 2. Establish professional team; 3. Have good skill about business development; 4. Integrity is the foundation of financial management market. On the Financial Planning Association of Taiwan to provide three suggestions: 1. Regularity activities to form the platform of CFP® members; 2. Establish and update information of CFP® ; 3. Promote the value of CFP® .

並列關鍵字

AFP ； financial certificates ； financial planning consultants ； CFP&reg

參考文獻

14.黃郁穎（2008）。我國壽險業經營財富管理業務初探。淡江大學保險學系保險經營研究所碩士在職專班碩士論文。

3.Matterson ,H.（2000）。”Someone to watch over you”,The Weekend Robinson, D. "The Salesman Ambassador of Progress", Journal of Business Research , 8, PP. 275-284.。

2.Malhotra, Naresh K.（1993）。 “Marketing Research,” Library of Congress Cataloging, September 1999

參考文獻

一、中文部分：