The assurfinance management strategy of life insurance business─Analysis of individual cases on the A、B、C、D insurance companies

• Main Authors: Chih Hao Chiu, 邱致豪
• Other Authors: Ying Feng Chen
• Format: Others
• Language: zh-TW
• Published: 2008
• Online Access: http://ndltd.ncl.edu.tw/handle/51336692051050293730

碩士 === 樹德科技大學 === 金融與風險管理所 === 96 === As the international trend of financial liberalization, financial marketing of goods are also move toward to comprehensive and diversified. The financial spending habits of consumers from passive acceptance of commodities, changes to search for market information, and goods value. So the financial industry must constantly strengthen the innovation and expansion of goods and services to increase market competitiveness. Based on the interactive relations and cross-marketing of the use of competitive advantage, financial products for sale in other financial institutions, it can help consumers to buy the convenience of the other financial institutions, in addition, that will increase substantial income; companies can reduce costs, risk diversification and increase revenues extended enterprise life cycle. On the basis of domestic 2001 financial holding law by which the banking industry can sell insurance products, but based on commercial principles of balance, the financial authorities also announced for the life insurance industry should pay attention to wealth management business matters in 2006, that is prompted Taiwan's insurance financial formation, but insurance is still in the embryonic stage, nowadays financial industry focus on wealth of management business, Therefore insurance finance of formation must have integrity and correct business strategy. In Taiwan, financial industry cooperation model mostly from banking industry to leap over to interbank insurance business management, as the research subject of bank insurance business, but the life insurance industry also selling the Bank of goods of the financial insurance is still the subject of a problem. This study will look for management business licenses of financial insurance business life insurance companies to explore the theme, the study using the SWOT analysis model, for insurance under the financial wealth management business case study to the external environment brought about the company's opportunities and threats, and advantages and disadvantages of the internal analysis, to understand the insurance company to operate cases of financial advantages and weaknesses. Also, this study use Five Forces Model to analysis the insurance financial strength outside of competition; in addition, the study use resource-based theory to analysis insurance internal of the financial resources and core competencies to explore its lasting competitive advantage, STP theory and 4P theory for the development of marketing strategy, and then summed up of insurance company case studies of the financial strategy and the implementation of the program, through case studies on companies discussion and analysis of the results of interviews with the entire data, to understand the operation of its insurance financial strategy in order to facilitate the implementation of the development of their business strategy planning. This study of the case studies can experience the life insurance industry and the model for the establishment of financial insurance business strategy, process of reference to help the insurance financial feasibility study of business strategy.