| Summary: | 碩士 === 國立彰化師範大學 === 企業管理學系國際企業經營管理 === 100 === Starting in 1990, with the opening and establishment of new banks,the operational environment of the financial industry in Taiwan is facing increasing competition. This not only causes decreased business and profitability of traditional banks, but excessive competition has rapidly decreased the profitability of banks. Even though the signing of MOU and ECFA has allowed Taiwan’s financial industry to enter the Chinese market to increase the competitive advantage of Taiwan’s financial industry, as the financial markets of Taiwan and China become open to each other, the Taiwanese financial industry cannot compare to the scale of Chinese banks, and domestic banks’ survival may be at risk. Thus, the key to the development and survival of the financial industry in Taiwan is to promote new financial products to satisfy all the financial services needs of clients to increase profits.
Pre-need contracts have become noticed and accepted by the general public, and the three-in-one combination of insurance, pre-need contracts, and trust is a new trend in commercial insurance and wealth management. Financial marketing is another developmental focus of the financial industry, which has also brought infinite business opportunities to domestic pre-need contracts. The financial industry has a wide client base and branch channels.The sale of pre-need contracts by the financial industry may be another major business opportunity to satisfy client needs for comprehensive financial services. Besides continuing the service range of the financial industry of Taiwan, it can also greatly increase the citizens’ trust for “pre-need contracts,” The reach of the financial services has officially extended into the comprehensive services of life, aging, illness, death, injury, disability, and end.
This study treats financial industry personnel and clients as the subjects, and conducts questionnaire surveys to explore their understanding on pre-need contracts and feasibility and acceptance responses to sale of pre-need contracts by the financial industry. The findings can serve as a reference for the financial industry owners to incorporate pre-need contracts into financial services.
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