| Summary: | 碩士 === 實踐大學 === 財務金融學系碩士班 === 106 === With the increase in the income of the people, the development of the domestic insurance industry has become increasingly mature. The average per capita premium expenditure has grown rapidly year by year. Taiwan's insurance density ranks ninth in the world, surpassing the United States and the United Kingdom. It can be seen that the development of the Taiwan insurance market has been complete. However, the number of domestic insurance broker companies has continued to decrease every year, and the premium income and market share have continued to decline. This shows that the competition in Taiwan's insurance market is fierce, and the market has become saturated. Insurance brokers need to be closer. Consumer goods, through insurance brokers from the customer's point of view, can also allow insurance companies to use less efficient products, through insurance brokers to develop new markets.
P2P mutual insurance is also a huge wave that cannot be ignored in the future due to the help of technology. It has changed the management policy of the insurance industry. In recent years, consumers have changed their consumption habits due to the prevalence of the Internet, but it has also brought The risk of online fraud, if an insurance broker can solve the risk of online fraud that cannot be solved by traditional insurance products by operating a P2P mutual insurance platform, and create a triple-win effect of insurance companies, insurance brokers and consumers.The result will be an insurance brokerage company to open up new business opportunities in combination with P2P insurance, and can also be used in reference to whether or not to cooperate with domestic insurers.
First, explore the feasibility of cooperation between insurance companies and insurance companies to provide P2P online shopping fraud insurance
Second, whether the insurance brokerage company's P2P insurance platform can create new business opportunities for the shrinking insurance broker market
In this study, 100 questionnaires were issued, and the questionnaires collected by the purposive sampling question were designed according to the previous research literature. They have the appropriateness of the measurement content and therefore have the validity of the content. After the literature review method, narrative statistical method and independent sample T-test analysis, the reliability of the questionnaire measured by the pilot test can be obtained through empirical results. All the interviewees are responsible for P2P insurance for each business. The degree of understanding of business models is still somewhat insufficient. Among them, the understanding of "the business model of whether or not to refund the remaining funds pool" is the lowest, and the understanding of "the business model of whether there is an external investor" is the highest. Respondents' understanding of the P2P insurance business model is higher. The more they agree that insurance brokers use P2P insurance to operate online shopping fraud insurance, they will create new business opportunities. Respondents' understanding of the P2P insurance business model is higher, and the more they are willing to purchase insurance brokerage companies, P2P insurance business online shopping fraud insurance.
In summary, insurance brokers operating P2P insurance platforms are able to create new business opportunities, and most of the respondents are willing to purchase online shopping fraud insurance through P2P insurance platform. If an insurance broker operates a P2P platform, it is believed that it can assist insurance companies to develop new markets and assist minority people with specific risks to make risk planning.
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