台灣保險經紀人公司合併的機會與挑戰─從保險經紀人管理規則2011年修訂版探討

王信力(Hsin-li Wang)

指導教授 ： 王存國

國立中央大學/管理學院/管理學院高階主管企管碩士班/碩士(2011年)

摘要

台灣自從金融控股公司時代來臨，金融機構交叉行銷(cross-marketing)非本業之金融商品日益興盛，金融商品於行銷通路中販售時，對於消費者或投資人的保障措施及權益保護，因著近年來金融消費的糾紛上昇而倍受主管機關的重視。金融監督管理委員會保險局主管保險機構之監督管理，隨著近十年來保險經紀人公司家數及市場佔有率逐漸上昇，但也伴隨著保單非理賠之申訴率提高。基於保護消費者權益，匡正保險經紀人公司遵循法令規章經營、落實保險法中保險經紀人維護被保險人利益的立場，遂修訂保險經紀人管理規則，並提請立法院修正保險法中有關保險經紀人管理之相關規定。
　　保險經紀人公司經過20年的發展目前約有450家業者。但因發展的模式不同形成營業規模懸殊的情形。依照保險經紀人商業同業公會民國96年所做的統計顯示，規模較大的前5%業者佔有全體業務量的86%，其餘376家業者僅佔有14%的比例。因眾多業者均屬小規模的經營型態，民國100年所頒佈的保險經紀人管理規則對營業所產生的衝擊影響鉅大。
眾多保險經紀人公司為因應法規改變，必須就經營策略加以調整。依照本研究結果發現，保險經紀人公司追求規模化經營是十分必要的，若無法採行規模化經營模式就必須調整經營方針轉為聚焦經營模式。本研究在探討保險經紀人公司透過合併達成營業規模，提出三項方式：
(1)較大規模之公司合併較小規模之公司。
(2)中小型業者間之完全合併。
(3)中小型業者間策略聯盟式合併。

關鍵字

公司合併 ； 保險法 ； 保險經紀人管理 ； 保險經紀人 ； 保險行銷 ； 多元行銷通路

並列摘要

With the advent of the era of financial holdings in Taiwan, financial institutions’ cross-marketing of their non-core financial products has increasingly grown in popularity. In recent years, because of the increasing financial consumption disputes arising from the sales of financial products, the relevant authorities have put more stress on protection measures of consumers and investors, as well as on equity protection. The number of insurance brokerage firms has grown continuously, and their market share has also gradually risen accordingly over the last decade. To compound matters, non-compensation claim rates of insurance policies have also risen. To protect consumers’ rights and interests, insurance brokers are directed to follow statutory laws and regulations strictly in operating their businesses. In order to ensure insurance brokers’ protection of the insured’s benefits as regulated in the Insurance Act, the competent authorities in charge of insurance matters at the Insurance Bureau of Financial Supervisory Commission have therefore revised the insurance broker management regulations and proposed to the Legislative Yuan to revise the regulations related to insurance broker management in the Insurance Act.
Following 20 years of development, there are currently about 450 insurance brokerage firms in the local market. However, these firms have developed according to different models, so their business scales vary widely. The statistics released from the Insurance Brokerage Association of Taiwan for 2007 show that the top 5% of the larger scale insurance brokerage firms accounted for 86% of the total business volume, whereas the remaining 376 insurance brokerage firms only took a 14% share. Since a majority of the firms are small scaled, the insurance broker management regulations enacted in 2011 will significantly impact their business.
To meet the changing regulations, the majority of insurance brokerage firms have to adjust their operating strategies. This study found that it is essential for insurance brokerage firms to pursue large-scale operation. If they have difficulty in carrying out a large-scale operating model, they should change their operating direction to a focus operating model. By exploring how insurance brokerage firms can merge to attain an expected operating scale, the study puts forth the following three conclusions for guiding the future development of insurance brokerage firms.

(1) Mergers between insurance brokerage firms, with which a company with a larger scale acquires a comparatively smaller one.
(2) Mergers between medium and small scale insurance brokerage firms, which results in reduction of the number of contract-selling insurance firms, and transformation of insurance companies to focus on business cooperation among insurance agencies.
(3) Strategic alliance between medium and small scale insurance brokerage firms, which leads to reduction of the business scale of these firms and transformation of the firms into insurance broker offices.

並列關鍵字

Insurance broker management regulations ； Insurance brokers ； Insurance Act ； Company merger ； Multi-marketing channels ； Insurance marketing

參考文獻

中華民國經紀人商業同業公會第四屆第三次會員大會會刊(2010)

中華民國經紀人商業同業公會第四屆第四次會員大會會刊(2011)

中華民國人壽保險商業同業公會(2007)，人身保險業務員資格測驗統一教材，中華民國人壽保險商業同業公會。

中華民國人壽保險商業同業公會http://www.lia-roc.org.tw/，日期：2011/4/01。

中華民國保險經紀人商業同業公會http://new.ntaib.org.tw/，日期：2011/4/01。