壽險公司(區域IA)在銀行通路之經營策略 (以全球人壽與安泰銀行為例)

Life insurance companies operating in the banking channel strategy ~To Transglobe insurance and Entie bank, for example~

張開祥(Kai-Shiang Chang)

指導教授 ： 沈仰斌

元智大學/管理學院/管理碩士在職專班/碩士(2013年)

https://doi.org/10.6838/YZU.2013.00090

摘要

本論文是以作者本身在公司內部所經歷的情況，來分析壽險公司在銀行保險通路的經營策略，如何以最有效益的方式來經營並建立雙贏?

銀行與壽險公司看似是不同的金融機構，但其業務上合作已有許多時日，壽險公司本身擁有數個經營的通路，諸如:業務員通路、保經保代通路、銀行保險通路..等，對壽險公司來說都是分散其經營的風險。

其中銀行保險通路則是近6年來掘起的新型態經營方式，且在2012年已佔所有通路的61%的營收，所有壽險公司都在此激烈競爭，本論文研究探討全球人壽銀行保險通路根據過去的經驗，進而以區域IA的經營策略在銀行通路發展，其間面臨眾多問題，但都一一解決，最後共創雙贏的探討。

關鍵字

銀行保險通路 ； 保險經營策略 ； 區域IA ； 全球人壽

並列摘要

This thesis is based on the author's own in-house experienced the situation, to analyze the life insurance companies in the Bancassurance business strategy, how in the most effective way to operate and create a win-win?
Banks and life insurance companies appears to be a different financial institution, but its business has been collaborating on many days, the life insurance company itself has a number of operating channels, such as: sales channels, Insurance Brokers Insurance Agency pathway Bancassurance .. etc. , life insurance companies are scattered its operating risks.
Bancassurance which is nearly six years digging new type of operation, and in 2012 accounted for 61% of all revenue channels, all insurance companies are in this fierce competition, the thesis discussed Transglobe Bank Insurance path based on past experience, and thus the business strategy of regional IA development in the banking channel, during which face many problems, but have all the solutions, and finally explore win-win.

並列關鍵字

Banking channels ； Business strategy ； Divison insurance Adviser ； Transglobe insurance

參考文獻

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