保險業兼營全權委託投資業務關鍵成功因素

Key Successes Factors for the Insurance Life Operation Discretionary Investment Business

林蜜(Mi Lin)

指導教授 ： 陳銘崑

國立臺北科技大學/管理學院/商業自動化與管理研究所/碩士(2009年)

摘要

近年來隨著收入水平的逐步提高和投資意識的增強，消費大眾對著投資工具需求殷切，既希望有較高的人生風險保障，更希望得到投資收益，傳統單純保障型壽險產品已不能滿足這種雙重需要，投資型保險商品逐漸躍升為保險市場銷售主力。目前投資型保單的投資帳簿資金，由保戶自行勾選投資標的，如基金、股票或其他商品等，保險公司不能代客戶選擇。法律開放保險公司可以申請兼營全權委託投資業務，自行管理投資型保單的專設帳簿資產，也就是保險業界爭取多年的「內部基金」(Internal Fund)，保險公司可以幫保戶選擇與組合投資標的。
本研究探討的是在新開放的法規下，保險公司營運與新產品開發並顧及保戶或投資者的利益、產業環境因素下業務推廣的關鍵成功因素。在研究方法上選擇適用預測探索性修正式德菲法 (Delphi)，彙整文獻從法規面、投資型保險商品、投信投顧全權委託、共同基金，做成結構式的問卷，透由匿名專家群體反覆參與回應對某一議題形成共識。
本研究發現「保險業兼營全權委託投資業務」的關鍵成功因素有「投資績效與內部風險控管」、「保戶對新產品的認知度」、「業務人員專業能力」、「客戶服務」、「資訊系統提昇」、「投資部門組織調整與內部作業規章改善」、「公司體質」、「新產品開發能力與產品創新」、「產品的差異化」、「政府監理」、「市場佔有率」、「通路推廣」、「投保率與普及率」。

關鍵字

全權委託 ； 投資型保險商品 ； 關鍵成功因素

並列摘要

In recent years, the income level gets higher degree and people have good understanding of investment’s importance. It is destined that public is eager for better investment outlets to be the safeguard for their life and profits from it. Under such circumstance, the traditional life insurance product can not satisfy the public’s need anymore. And the investment-oriented insurance products become the main stream on the insurance market.
Originally, the investment policy can not be determined by insurance companies. It means insurance companies are forbidden to choose which item, for example, funds, stocks, or something else, is deserved to invest instead of their customers. However, a new law allows insurance company to apply for discretionary investment business and manage the books dedicated assets of the investment policy. This is so called Internal Fund and has been strived for by the insurance industry. Then, the insurance companies can help policyholder choose and make up investments.
This research intends to discuss the critical factors, which cause positive and successful outcome to the business promotion, under the new law. And these critical factors are influenced by the consideration of insurance companies’ operation, policyholder and investor’s profit, and industrial environment. This research chooses forecast exploratory revision type Delphi method to detest the collection of law and regulation documents, the investment-oriented insurance products, and mutual funds. The structured questionnaires coming out from this detest are provided to a group of anonymous professionals for the feedback repeatedly until a common consensus happens.
The research shows the critical factors are “the investment achievements and the control of internal risk”, “Policyholder’s recognitions to the new products”, “services’ specialized ability”, “the customer service”, “the promotion of information system”, “the coordination of investment department organization and the internal work rules and regulations’ improvement”, “the company physique”, “the ability to develop new products and its innovation”, “the products’ variation”, “the government’s monitoring”, “the market share”, “the circuit promotion”, “the insurance rate and its’ popular rate”.

並列關鍵字

discretionary ； investment-oriented insurance product ； key success factors

參考文獻

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