透過您的圖書館登入
IP:3.83.81.42
  • 學位論文

保險業運用電子商務之因素與績效研究

The effect of Electronic Commerce on Taiwan’s insurance industry

指導教授 : 李正文
若您是本文的作者,可授權文章由華藝線上圖書館中協助推廣。

摘要


近年來網際網路持續地增長,使用網路的人口隨著倍數激增;在網路上購物已經成為全球市場上的一大趨勢;也漸漸地演變成公司為了提升他們的能力及增長企業的一種重要資源。加入世界貿易組織之後,國內的金融環境面對國際化的競爭;對於國外的金融業者的競爭壓力,傳統保險業單純交易導向的角色;已經因為網際網路的快速發展與線上交易的頻繁,而開始了新的風貌。鑑於此,本篇研究保險業運用電子商務之因素與績效,並採取問卷發放;針對國內有經營線上投保的保險公司的員工作為研究對象,共發放195份問卷;回收91份回收率為46.67%。並採用因素分析法、pearson相關分析、正典相關及逐步迴歸等方法,探討保險業者導入電子商務是能帶來正面的績效;本文用四大構面來分析,此四大構面分別為電子商務的特性、消費者的認知、員工的態度及績效,探討構面之間的相關性。研討結果發現,電子商務的特性與消費者認知、電子商務的特性與員工態度、電子商務的特性與績效、消費者認知與績效、員工態度與績效皆有顯著相關性;說明了對保險公司而言使用網際網路可以減少交易成本和營業成本,發展電子商務可以增進其競爭優勢。最後在本篇文章研究中,於研究結果中可以給於保險業者些許管理上的建議如加強員工的訓練、提供完整的網路服務及建立消費者信心,使其推行網路保險的機制更完善。

並列摘要


In recent years, the internet continues to grow and evolves as a vital resource with which companies can upgrade their capabilities and grow their business. Gradually, an increasing number and variety of firms and organizations are exploiting and creating business opportunities on internet. After joining challege of World Trade Organization (WTO), the domestic financial environment will face the internationalization; the globel financial industry will put competitive pressure on domestic financial companies. Because of theses, electronic commerce has made an impact on the insurance industry in Taiwan. Then use questionnaire to collect the datas, totally collect 91 questionnaires. Accordingly, study conducts an empirical research or the efforts of electronic commerce on Taiwan’s insurance industry. Pearson Correlation Analysis, Canonical Correlation Analysis and Stepwise Regression analysis to examine whether the characteristics of the electronic commerce, customer’s perception, employee’s attitude and performance have notable correlations. The results find that each other has notable correlation, it shows using internet can reduce cost and enhance their competitiveness. Finally, we suggest for insurance company enhancing management employee’s ability, providing perfect environment establishing consumer’s confidence.

參考文獻


23.Ajzen, Icek, Martin and Fishben(1975). “Belief, attitude, intention, and behavior : An introduction to theory and research , reading.” MA: Addison Wesley Publishing Company.
24.Alejandra, M. Munoz(1998). “Consumer perception of meat:understanding these results through descriptive analysis.” Meat Science, pp.287-295.
26.Bard Kuvaas(2003). “Employee ownership and affective organizational commitment: employees’ perception of fairness and their preference for company shares over cash.” Management, pp.193-212.
28.Covin, J. G., Slevin, D. P. and Prescott, J. E.(1990). “The effects of technological sophistication on strategic profiles, structure and firm performance.” Journal of Management Studies, 27(5), pp.485-510.
29.Delaney and Huselid (1996).“The impact of human resource management practices on perceptions of organizational performance.” Academy of Management Journal, 40(1), pp.88-171.

被引用紀錄


李淑芬(2014)。行動軟體應用在保險行銷之探討〔碩士論文,淡江大學〕。華藝線上圖書館。https://doi.org/10.6846%2fTKU.2014.00329
李明青(2013)。保險業電子商務平台成功關鍵因素之探討〔碩士論文,國立中正大學〕。華藝線上圖書館。https://www.airitilibrary.com/Article/Detail?DocID=U0033-2110201613560041
張家銘(2015)。瞭解線上旅平險之持續購買意願:電子賣家、個人信念、社會影響〔碩士論文,國立中正大學〕。華藝線上圖書館。https://www.airitilibrary.com/Article/Detail?DocID=U0033-2110201614031016

延伸閱讀