產險公司加入集團之經營模式研究

Abstract

本研究透過分析產物保險業環境現況，探討H產險公司加入集團後之商業經營模式，找出H產險的關鍵優勢並提出對其未來經營發展之建議。以H產險各階經理人為對象進行訪談，採用文獻分析法與半結構式訪談進行資料蒐集整合。經過分析總結如下：目前H產險商業經營模式，是以集團的經銷通路，產生穩定的汽車保險業務，並帶動其他險種的成長。在經營上，需把握集團資源挹注的成長期，發展車險以外險種，並與集團成員公司通力合作，以創造持續獲利的經營條件。最後，產業險的經營高度依賴人，找到具有專業能力及熱忱的人才建構及強化客戶連結，才能提供超越期待的服務，創造好的客戶體驗。如此才能使集團加值，產生品牌綜效，達成公司成長及永續經營的願景。

This study analyzes the current situation of the non-life insurance industry, discusses the business model of H non-life insurance company after joining conglomerate, finds out the key advantages of H non-life insurance company and proposes suggestions for its future. Interviews were conducted with managers of all levels of H non-life insurance company. Literature analysis and semi-structured interviews were used for data collection and integration. After analysis and summary, the current business model of H non-life insurance company is based on the car dealer distribution channel of the conglomerate, which generates stable car insurance business and drives the growth of other insurance types. In terms of business strategy, it is necessary to grasp the growth period of the conglomerate resources and develop non-car insurance business to create sustainable business conditions. Finally, the operation of industrial insurance is highly dependent on people. Finding professionals with competence and enthusiasm to build solid customer relationship can provide good services that exceed customers’ expectations. In the result, it will add value to the conglomerate, generate brand synergies, and achieves sustainable growth.