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題名 銷售通路對傷害保險損失率之影響分析
作者 李文斌
貢獻者 王儷玲
李文斌
關鍵詞 傷害保險
銀行保險通路
行銷通路
日期 2007
上傳時間 2009-09-18
摘要 國內保險經營,行銷通路長久以來均以業務人員直銷通路及經代通路為首要業務來源,近年來新興保險業務通路崛起,最被看好的為電話行銷通路、網路通路及銀行行銷通路,其中影響最鉅者即是銀行行銷通路。
本研究乃針對銀行通路行銷傷害保險之效益與職業團體通路、直接業務通路、經代通路、電話行銷通路、網路通路與客服中心八種通路比較,對於保險公司保費收入與理賠支出面的影響。研究結果顯示
(一) 銀行通路損失率顯著低於直接業務通路的損失率,是保險公司可以加強銀行通路業務
(二) 電話行銷通路及網路通路在損失率比銀行通路顯著較低,為值得注意之新興通路
(三) 電話行銷通路及網路通路在保險費比銀行通路顯著較低,可見傷害保險業務在通路尚有極大發展空間
(四) 職業團體通路、直接業務通路與經代通路之損失率相對偏高,個案公司應積極改善此通路績效
參考文獻 中文部份
1. 吳鴻麟(民95),「投資型保險在傳統通路與銀行通路行銷策略之研究」,台北大學國際財務金融組碩士論文。
2. 林建福(民91),「台灣地區連鎖超市業經營策略之個案研究」,政治大學經營管理碩士學程企管組商學碩士論文。
3. 劉姿吟(民92),「通路品牌策略、通路控制力與通路績效關係之研究─以3C連鎖經營型態之資源基礎觀點分析」,中原大學企業管理研究所碩士論文。
4. 陳力銘(民92),「通路結構演變與企業轉型策略之相關研究」,台灣大學國際企業研究所碩士論文。
5. 盧淑惠(民92),「台灣連鎖藥局成長策略與成功關鍵因素之關聯性研究」,中原大學企業管理研究所碩士論文。
6. 謝佳穎(民85),「3C產品通路選擇策略及個案研究」,台灣大學商學研究所碩士論文。
7. 鄭家樑(民87),「大陸內銷市場通路組合決策之探析─上海地區台商之個案研究」,台灣大學國際企業研究所碩士論文。
8. 廖舷安(民96),「產物保險業經營傷害險個案分析」,政治大學經營管理碩士學程風險管理組商學碩士論文。
9. 周軒逸(民 94),「銀行促銷壽險產品意願之研究」,輔仁大學管理學研究碩士論文。
英文部份
1. Anderson, E. (1985), “The Salesperson as Outside Agent or Employee: A Transaction Cost Analysis,” Marketing Science, 4(3), 234-254.
2. Anderson, E. & Coughlan, A. T. (1987), “International Market Entry and Expansion via Independent or Integrated Channels of Distribution,” Journal of Marketing, 51, 71-82.
3. Anderson, E, & Weitz, Barton(1992), “The Use of Pledges to Build and Sustain Commitment in Distribution Channels,” Journal of Marketing Research, 29(February), 18-34.
4. Anderson, E. & Narus, J. C.(1990), “A Model of Distributor Firm and Manufacturer Firm Working Partnerships,” Journal of Marketing, 54(January), 42-58.
5. Aulakh, P. S. & Kotabe, M. (1997), “Antecedents and Performance Implications of Channel Integration in Foreign Markets,” Journal of International Business Studies, 28(1), 145-175.
6. Bucklin, L. P. (1965), “Postponement, Speculation and the Structure of Distribution Channels,” in Jagdish N. Sheth el., ed., Marketing Theory: Classic and contemporary Readings, 1986, Ohio: South-Western Publishing Co.
7. Chiang, W. K., Chhajed, D. & Hess, J. D. (2003), “Direct Marketing, Indirect Profits: A Strategic Analysis of Dual-Channel Supply-Chain Design,” Management Science, Vol.49, No.1, 1-20.
8. Coase, R. H. (1937), “The Nature of the Firm,” Economica N. S. 4, 386-405.
9. Coelho, F. & Easingwood, C. (2003), “Multiple Channel Structures in Financial Services: A Framework,” Journal of Financial Services Marketing, 8(1), 22-34.
10. Combs, J. G. & Ketchen, Jr. D. J. (1999), “Can Capital Scarcity Help Agency Theory Explain Franchising? Revisiting the Capital Scarcity Hypothesis,” Academy of Management Journal, 42(2), 196-207.
11. Corey, E. R., Industrial Marketing: Cases and Concepts, 1991 4th ed., Upper Saddle River, NJ: Prentice Hall, Ch. 5.
12. Dwyer, F. R. & Welsh, M. A.(1985), “Environmental Relationships of the Internal Political Economy of Marketing Channels,” Journal of Marketing Research, 22(Novemenber), 397-414.
13. Frazier, G. L. (1999), “Organizing and Management Channels of Distribution,” Journal of Academy of Marketing Science, 27(2), 226-240.
14. Ganesan, S. (1994), “Determinants of Long-Term Orientation in Buyer-Seller Relationships,” Journal of Marketing, 58(April), 1-19.
15. Geyskens, I., Gielens, K. & Dekimpe, M. G. (2002), “The Market Valuation of Internet Channel Additions,” Journal of Marketing, 66(2), 102-119.
16. Ghoshal, S. (1987), “Global Strategy: An Organizing Framework,” Strategic Management Journal, 8: 425-440.
17. Harrigan, K., Strategies for Vertical Integration, 1983, Lexington. Mass.: Lexington Books.
18. Harrigan, K. R. (1985), “Vertical integration and coporate strategy,” Academy of Management Journal, 28, 397-425.
19. Huang, L. & Hsu, C. (2003), “Factors on Channel Integration Decisions of Taiwanese Manufacturers in the Export Market,” Journal of American Academy of Business, Cambridge, 2(2), 312-321.
20. John, G. & Weitz, B. A. (1988), “Forward Integration into Distribution: Empirical Test of Transaction Cost Analysis,” Journal of Law, Economics and Organization, 4, 337-355.
21. Keegan, W., Multinational Marketing Management, 1984, 3rd ed. Englewood Cliffs, NJ: Prentice-Hall, Inc.
22. Kim, W. C. & Hwang, P. (1992), “Global Strategy and Multinationals’ Entry Mode Choice,” Journal of International Business Studies, 23, 29-43.
23. Klein, S., Roth, V. J. (1990), “Determinants of Export Channel Structure: The Effect of Experience and Psychic Distance Reconsidered,” International Marketing Review, 7(5), 27-38.
24. Klein, Saul, Frazier, Gary L. & Roth, Victor J. (1990), “A Transaction Cost Analysis Model of Channel Integration in International Markets,” Journal of Marketing Research, 27(2), 196-208.
25. Kogut, B. (1985), “Designing Global Strategies: Comparative and Comparative Value Added Chains,” Sloan Management Review, (Summer), 15-28.
26. Kogut, B. (1988), “Joint Venture. Theoretical and Emperical Perspectives,” Strategic Management Journal, 9, 319-332.
27. Kotabe, M., Global Sourcing Strategy: R&D, Manufacturing, and Marketing Interfaces. 1992, NY: Quorum Books.
28. Kotler, Philip, Marketing Management, International ed., 2003, Upper Saddle River, New Jersey: Prentice Hall, Inc.
29. Leblebici, H. & Salancik, G. (1981), “Effects of Environmental Uncertainty on Information and Decision Processes in Banks,” Administrative Science Quarterly, 26(December), 578-596.
30. Lehmann D. R. & Weinberg C. B. (2000), “Sales Through Sequential Distribution Channels: An Application to Movies and Videos,” Journal of Marketing, 64(July), 18-33.
31. Levitt, T. (1983), “The Globalization of Markets,” Harvard Business Review, 61(May-June), 92-102.
32. Lilien, G. L. (1979), “Advisor 2: Modeling the Marketing Mix Decision for Industrial Products,” Management Science, 25(2), 191-204.
33. Magrath, A. J. (2002), “Channel Vision: Getting Your Channels Right.” Ivey Business Journal, 67(1), pg. n/a
34. Purohit, D. & Staelin, R. (1994), “Rentals, Sales, and Buybacks: Managing Secondary Distribution Channels,” Journal of Marketing Research, 31 (August), 325-338.
35. Purohit, D. (1997), “Dual Distribution Channels: The Competition Between Rental Agencies and Dealers,” Marketing Science, 16 (3), 228-245.
36. Ramaseshan, B., & Patton, M. A. (1994), ”Factors Influencing International Channel Choice of Small Business Exporters,” International Marketing Review, 11(4), 19-34.
37. Root, F. R., Entry Strategies for International Markets, 1994, NY: Lexington Books.
38. Stern, L. W. & El-Ansary, A. I., Marketing Channels, 1992, Englewood Cliffs, NJ: Prentice-Hall, Inc.
39. Stern, L. W., El-Ansary, A. I. & Coughlan, A. T. (1996), Marketing Channels, 5th ed. Englewood Cliffs, NJ: Prentice-Hall, Inc.
40. Stinchcombe, A. (1985), “Contracts as Hierarchical Documents,” Organizational Theory and Project Management, Stinchcombe, A. & Heimer, C. eds. Oslo: Norwegian University Press.
41. Williamson, O. E. (1981), “The Economic of Organization: The transaction Cost Approach,” American Journal of Sociology, 87, 548-577.
42. Williamson, O. E., The Economic Institutions of Capitalism, 1985, NY: The Free Press
43. Williamson, O. E., The Mechanisms of Governance, 1996, NY: The Free Press.
描述 碩士
國立政治大學
風險管理與保險研究所
93932818
96
資料來源 http://thesis.lib.nccu.edu.tw/record/#G0093932818
資料類型 thesis
dc.contributor.advisor 王儷玲zh_TW
dc.contributor.author (Authors) 李文斌zh_TW
dc.creator (作者) 李文斌zh_TW
dc.date (日期) 2007en_US
dc.date.accessioned 2009-09-18-
dc.date.available 2009-09-18-
dc.date.issued (上傳時間) 2009-09-18-
dc.identifier (Other Identifiers) G0093932818en_US
dc.identifier.uri (URI) https://nccur.lib.nccu.edu.tw/handle/140.119/34134-
dc.description (描述) 碩士zh_TW
dc.description (描述) 國立政治大學zh_TW
dc.description (描述) 風險管理與保險研究所zh_TW
dc.description (描述) 93932818zh_TW
dc.description (描述) 96zh_TW
dc.description.abstract (摘要) 國內保險經營,行銷通路長久以來均以業務人員直銷通路及經代通路為首要業務來源,近年來新興保險業務通路崛起,最被看好的為電話行銷通路、網路通路及銀行行銷通路,其中影響最鉅者即是銀行行銷通路。
本研究乃針對銀行通路行銷傷害保險之效益與職業團體通路、直接業務通路、經代通路、電話行銷通路、網路通路與客服中心八種通路比較,對於保險公司保費收入與理賠支出面的影響。研究結果顯示
(一) 銀行通路損失率顯著低於直接業務通路的損失率,是保險公司可以加強銀行通路業務
(二) 電話行銷通路及網路通路在損失率比銀行通路顯著較低,為值得注意之新興通路
(三) 電話行銷通路及網路通路在保險費比銀行通路顯著較低,可見傷害保險業務在通路尚有極大發展空間
(四) 職業團體通路、直接業務通路與經代通路之損失率相對偏高,個案公司應積極改善此通路績效
zh_TW
dc.description.tableofcontents 第一章 緒論 1
第一節 研究動機與目的 1
第二節 研究範圍與限制 6
第三節 研究流程與架構 7
第二章 理論與文獻探討 8
第一節 銀行與保險合作模式 8
第二節 通路結構 11
第三節 通路結構之前因 13
第三章 多重通路及通路網絡整合性之發展 20
第一節 多重通路策略之個案分析 20
第二節 通路網絡整合性分析架構 24
第三節 通路網絡績效評估 26
第四章 個案公司實證分析 28
第一節 實證資料來源 28
第二節 檢定方法 32
第三節 各通路經營績效檢定分析 33
第五章 結論與建議 37
第一節 結論 37
第二節 建議 40
中文部份 42
英文部份 43
zh_TW
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dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0093932818en_US
dc.subject (關鍵詞) 傷害保險zh_TW
dc.subject (關鍵詞) 銀行保險通路zh_TW
dc.subject (關鍵詞) 行銷通路zh_TW
dc.title (題名) 銷售通路對傷害保險損失率之影響分析zh_TW
dc.type (資料類型) thesisen
dc.relation.reference (參考文獻) 中文部份zh_TW
dc.relation.reference (參考文獻) 1. 吳鴻麟(民95),「投資型保險在傳統通路與銀行通路行銷策略之研究」,台北大學國際財務金融組碩士論文。zh_TW
dc.relation.reference (參考文獻) 2. 林建福(民91),「台灣地區連鎖超市業經營策略之個案研究」,政治大學經營管理碩士學程企管組商學碩士論文。zh_TW
dc.relation.reference (參考文獻) 3. 劉姿吟(民92),「通路品牌策略、通路控制力與通路績效關係之研究─以3C連鎖經營型態之資源基礎觀點分析」,中原大學企業管理研究所碩士論文。zh_TW
dc.relation.reference (參考文獻) 4. 陳力銘(民92),「通路結構演變與企業轉型策略之相關研究」,台灣大學國際企業研究所碩士論文。zh_TW
dc.relation.reference (參考文獻) 5. 盧淑惠(民92),「台灣連鎖藥局成長策略與成功關鍵因素之關聯性研究」,中原大學企業管理研究所碩士論文。zh_TW
dc.relation.reference (參考文獻) 6. 謝佳穎(民85),「3C產品通路選擇策略及個案研究」,台灣大學商學研究所碩士論文。zh_TW
dc.relation.reference (參考文獻) 7. 鄭家樑(民87),「大陸內銷市場通路組合決策之探析─上海地區台商之個案研究」,台灣大學國際企業研究所碩士論文。zh_TW
dc.relation.reference (參考文獻) 8. 廖舷安(民96),「產物保險業經營傷害險個案分析」,政治大學經營管理碩士學程風險管理組商學碩士論文。zh_TW
dc.relation.reference (參考文獻) 9. 周軒逸(民 94),「銀行促銷壽險產品意願之研究」,輔仁大學管理學研究碩士論文。zh_TW
dc.relation.reference (參考文獻) 英文部份zh_TW
dc.relation.reference (參考文獻) 1. Anderson, E. (1985), “The Salesperson as Outside Agent or Employee: A Transaction Cost Analysis,” Marketing Science, 4(3), 234-254.zh_TW
dc.relation.reference (參考文獻) 2. Anderson, E. & Coughlan, A. T. (1987), “International Market Entry and Expansion via Independent or Integrated Channels of Distribution,” Journal of Marketing, 51, 71-82.zh_TW
dc.relation.reference (參考文獻) 3. Anderson, E, & Weitz, Barton(1992), “The Use of Pledges to Build and Sustain Commitment in Distribution Channels,” Journal of Marketing Research, 29(February), 18-34.zh_TW
dc.relation.reference (參考文獻) 4. Anderson, E. & Narus, J. C.(1990), “A Model of Distributor Firm and Manufacturer Firm Working Partnerships,” Journal of Marketing, 54(January), 42-58.zh_TW
dc.relation.reference (參考文獻) 5. Aulakh, P. S. & Kotabe, M. (1997), “Antecedents and Performance Implications of Channel Integration in Foreign Markets,” Journal of International Business Studies, 28(1), 145-175.zh_TW
dc.relation.reference (參考文獻) 6. Bucklin, L. P. (1965), “Postponement, Speculation and the Structure of Distribution Channels,” in Jagdish N. Sheth el., ed., Marketing Theory: Classic and contemporary Readings, 1986, Ohio: South-Western Publishing Co.zh_TW
dc.relation.reference (參考文獻) 7. Chiang, W. K., Chhajed, D. & Hess, J. D. (2003), “Direct Marketing, Indirect Profits: A Strategic Analysis of Dual-Channel Supply-Chain Design,” Management Science, Vol.49, No.1, 1-20.zh_TW
dc.relation.reference (參考文獻) 8. Coase, R. H. (1937), “The Nature of the Firm,” Economica N. S. 4, 386-405.zh_TW
dc.relation.reference (參考文獻) 9. Coelho, F. & Easingwood, C. (2003), “Multiple Channel Structures in Financial Services: A Framework,” Journal of Financial Services Marketing, 8(1), 22-34.zh_TW
dc.relation.reference (參考文獻) 10. Combs, J. G. & Ketchen, Jr. D. J. (1999), “Can Capital Scarcity Help Agency Theory Explain Franchising? Revisiting the Capital Scarcity Hypothesis,” Academy of Management Journal, 42(2), 196-207.zh_TW
dc.relation.reference (參考文獻) 11. Corey, E. R., Industrial Marketing: Cases and Concepts, 1991 4th ed., Upper Saddle River, NJ: Prentice Hall, Ch. 5.zh_TW
dc.relation.reference (參考文獻) 12. Dwyer, F. R. & Welsh, M. A.(1985), “Environmental Relationships of the Internal Political Economy of Marketing Channels,” Journal of Marketing Research, 22(Novemenber), 397-414.zh_TW
dc.relation.reference (參考文獻) 13. Frazier, G. L. (1999), “Organizing and Management Channels of Distribution,” Journal of Academy of Marketing Science, 27(2), 226-240.zh_TW
dc.relation.reference (參考文獻) 14. Ganesan, S. (1994), “Determinants of Long-Term Orientation in Buyer-Seller Relationships,” Journal of Marketing, 58(April), 1-19.zh_TW
dc.relation.reference (參考文獻) 15. Geyskens, I., Gielens, K. & Dekimpe, M. G. (2002), “The Market Valuation of Internet Channel Additions,” Journal of Marketing, 66(2), 102-119.zh_TW
dc.relation.reference (參考文獻) 16. Ghoshal, S. (1987), “Global Strategy: An Organizing Framework,” Strategic Management Journal, 8: 425-440.zh_TW
dc.relation.reference (參考文獻) 17. Harrigan, K., Strategies for Vertical Integration, 1983, Lexington. Mass.: Lexington Books.zh_TW
dc.relation.reference (參考文獻) 18. Harrigan, K. R. (1985), “Vertical integration and coporate strategy,” Academy of Management Journal, 28, 397-425.zh_TW
dc.relation.reference (參考文獻) 19. Huang, L. & Hsu, C. (2003), “Factors on Channel Integration Decisions of Taiwanese Manufacturers in the Export Market,” Journal of American Academy of Business, Cambridge, 2(2), 312-321.zh_TW
dc.relation.reference (參考文獻) 20. John, G. & Weitz, B. A. (1988), “Forward Integration into Distribution: Empirical Test of Transaction Cost Analysis,” Journal of Law, Economics and Organization, 4, 337-355.zh_TW
dc.relation.reference (參考文獻) 21. Keegan, W., Multinational Marketing Management, 1984, 3rd ed. Englewood Cliffs, NJ: Prentice-Hall, Inc.zh_TW
dc.relation.reference (參考文獻) 22. Kim, W. C. & Hwang, P. (1992), “Global Strategy and Multinationals’ Entry Mode Choice,” Journal of International Business Studies, 23, 29-43.zh_TW
dc.relation.reference (參考文獻) 23. Klein, S., Roth, V. J. (1990), “Determinants of Export Channel Structure: The Effect of Experience and Psychic Distance Reconsidered,” International Marketing Review, 7(5), 27-38.zh_TW
dc.relation.reference (參考文獻) 24. Klein, Saul, Frazier, Gary L. & Roth, Victor J. (1990), “A Transaction Cost Analysis Model of Channel Integration in International Markets,” Journal of Marketing Research, 27(2), 196-208.zh_TW
dc.relation.reference (參考文獻) 25. Kogut, B. (1985), “Designing Global Strategies: Comparative and Comparative Value Added Chains,” Sloan Management Review, (Summer), 15-28.zh_TW
dc.relation.reference (參考文獻) 26. Kogut, B. (1988), “Joint Venture. Theoretical and Emperical Perspectives,” Strategic Management Journal, 9, 319-332.zh_TW
dc.relation.reference (參考文獻) 27. Kotabe, M., Global Sourcing Strategy: R&D, Manufacturing, and Marketing Interfaces. 1992, NY: Quorum Books.zh_TW
dc.relation.reference (參考文獻) 28. Kotler, Philip, Marketing Management, International ed., 2003, Upper Saddle River, New Jersey: Prentice Hall, Inc.zh_TW
dc.relation.reference (參考文獻) 29. Leblebici, H. & Salancik, G. (1981), “Effects of Environmental Uncertainty on Information and Decision Processes in Banks,” Administrative Science Quarterly, 26(December), 578-596.zh_TW
dc.relation.reference (參考文獻) 30. Lehmann D. R. & Weinberg C. B. (2000), “Sales Through Sequential Distribution Channels: An Application to Movies and Videos,” Journal of Marketing, 64(July), 18-33.zh_TW
dc.relation.reference (參考文獻) 31. Levitt, T. (1983), “The Globalization of Markets,” Harvard Business Review, 61(May-June), 92-102.zh_TW
dc.relation.reference (參考文獻) 32. Lilien, G. L. (1979), “Advisor 2: Modeling the Marketing Mix Decision for Industrial Products,” Management Science, 25(2), 191-204.zh_TW
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