| Summary: | 碩士 === 大葉大學 === 事業經營研究所碩士在職專班 === 93 === “It is impossible to prevent risks completely while running your business .The purpose of managing business is distributing your current resource, then wish to get maximum profit, but it can not be prevented the risks during you are running.”Dr. Peter Ducker has been indicating .Therefore, whatever your position is in conventional industries or in Hi-Tech field, or in the same time when you expend your business size and increase your competitive competence you shall lower or prevent every kinds of risk which may cause from complicate of running your business. That means planning insurance of asset from every company is getting important.
Through the research of this study by competition structure factor, competition strategy and key success factors for Changhua property-liability insurance, we find flowing conclusions:
The main factors influencing the industrial competition environment for Changhua property-liability insurance industry:
The main corporation''s transports for business strategy, guarantees the ability, the nucleus again guarantees the policy and various departments matches properly; The insurance belongs to the non material goods, also the teaching of arts and crafts excessively are many, creates the customer negotiated price space greatly to increase; The new competitor has join of the financial group, the bank guarantees generation and the life insurance clerk and so on; The insurance intermediary person has affiliate to provide specialized insures consultant''s role, affects the customer selectivity; The trade or craft competition has including the property —liability insurance company the teaching of arts and crafts, the service commodity difference and enters the difficulty.
The main competition strategy develops for Changhua property-liability insurance industry:
It must take low cost leadership strategy with price destroyed while you get into new market; It shall be taken differentiation by product which can create profit; Product innovation strategy has research & develop to suit every kind of insurance products; The competitive ability promotes and reduces the cost of operation, sells the tendency in many circuits.
It is competitive advantage and the key success factors for Changhua property-liability insurance industry:
For the future, competitive strategy should be decided to market infiltration, development new product and after service; Which can maintain the loyalty from your customer of the promotion service quality strategy.
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