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題名 銀行實體分行從事銀行保險業務績效影響因素之探討-兼論分行虛擬化之影響
The Study of the Factors Affect Bancassurance Performance of Banks
作者 林易德
Lin, Yi Te
貢獻者 彭金隆
林易德
Lin, Yi Te
關鍵詞 銀行3.0
銀行分行
金融創新
銀行保險
分行管理
日期 2016
上傳時間 2-Aug-2016 17:17:22 (UTC+8)
摘要 數位化時代來臨，人們的生活模式與消費習慣產生重大的轉變，迅速、便利成為人們最重要的考量。為了因應此趨勢，全球掀起金融創新的風潮，虛擬通路正漸漸取代實體通路的功能，銀行分行的縮減與人員的裁撤為銀行數位化所必經的關鍵道路，各國銀行無不在力拼轉型，我國亦然。現今，我國保險公司最重要的保費收入來源來自於銀行保險通路，而銀行保險通路需要倚賴銀行實體分行的運作才得以實踐，面對金融創新的浪潮，對於銀行保險通路的影響便成為一項非常重要的議題。
本研究以分行、分行管理、理財專員與保費收入之關係做為研究主軸，先以結構方程式（SEM）探討上述之關係、再利用迴歸方程式分析哪些是會影響銀行實體分行銷售保險的重要因素。再者，分離出哪些是實體分行才所特有、無法被科技所取代的重要因素，以探討銀行數位化對於銀行保險通路的影響。
實證結果發現，理財專員會直接顯著影響銀行保險業務的保費收入，而分行管理措施並不會對保費收入造成直接的影響，但會顯著影響理財專員，間接對保費收入造成影響，具完全中介效果。再細究發現，理專人數、分行客戶數、理專行銷訓練、理專經驗、理專保險商品銷售意願、分行經理推動保險業務動機與保費收入呈顯著正相關。除了分行客戶數外，其餘變數皆是實體分行才所特有，無法被科技取代，銀行數位化後，分行縮減與人員裁撤，上述影響銀行保險業務之重要因素將不復存在。故本研究推論銀行數位化，對銀行保險業務之發展具很大的負面影響力。
參考文獻 一、 中文部分
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描述 碩士
國立政治大學
風險管理與保險研究所
103358023
資料來源 http://thesis.lib.nccu.edu.tw/record/#G0103358023
資料類型 thesis
dc.contributor.advisor 彭金隆zh_TW
dc.contributor.author (Authors) 林易德zh_TW
dc.contributor.author (Authors) Lin, Yi Teen_US
dc.creator (作者) 林易德zh_TW
dc.creator (作者) Lin, Yi Teen_US
dc.date (日期) 2016en_US
dc.date.accessioned 2-Aug-2016 17:17:22 (UTC+8)-
dc.date.available 2-Aug-2016 17:17:22 (UTC+8)-
dc.date.issued (上傳時間) 2-Aug-2016 17:17:22 (UTC+8)-
dc.identifier (Other Identifiers) G0103358023en_US
dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/99564-
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) 103358023zh_TW
dc.description.abstract (摘要) 數位化時代來臨，人們的生活模式與消費習慣產生重大的轉變，迅速、便利成為人們最重要的考量。為了因應此趨勢，全球掀起金融創新的風潮，虛擬通路正漸漸取代實體通路的功能，銀行分行的縮減與人員的裁撤為銀行數位化所必經的關鍵道路，各國銀行無不在力拼轉型，我國亦然。現今，我國保險公司最重要的保費收入來源來自於銀行保險通路，而銀行保險通路需要倚賴銀行實體分行的運作才得以實踐，面對金融創新的浪潮，對於銀行保險通路的影響便成為一項非常重要的議題。
本研究以分行、分行管理、理財專員與保費收入之關係做為研究主軸，先以結構方程式（SEM）探討上述之關係、再利用迴歸方程式分析哪些是會影響銀行實體分行銷售保險的重要因素。再者，分離出哪些是實體分行才所特有、無法被科技所取代的重要因素，以探討銀行數位化對於銀行保險通路的影響。
實證結果發現，理財專員會直接顯著影響銀行保險業務的保費收入，而分行管理措施並不會對保費收入造成直接的影響，但會顯著影響理財專員，間接對保費收入造成影響，具完全中介效果。再細究發現，理專人數、分行客戶數、理專行銷訓練、理專經驗、理專保險商品銷售意願、分行經理推動保險業務動機與保費收入呈顯著正相關。除了分行客戶數外，其餘變數皆是實體分行才所特有，無法被科技取代，銀行數位化後，分行縮減與人員裁撤，上述影響銀行保險業務之重要因素將不復存在。故本研究推論銀行數位化，對銀行保險業務之發展具很大的負面影響力。		zh_TW
dc.description.tableofcontents 第一章 緒論 1
第一節 研究背景與動機 1
第二節 研究目的 3
第二章 文獻回顧 4
第一節 銀行保險定義 4
一、通路面 4
二、整合服務面 5
三、策略面 5
第二節 銷售人員的績效 6
第三節 理專人員與績效 7
一、銷售人員績效 7
二、銷售行為 8
第四節 管理與績效 9
一、領導 10
二、促銷活動 12
三、激勵制度 14
第三章 研究方法 16
第一節 研究架構 16
第二節 研究假說 17
一、理財專員對保費收入之影響 17
二、分行管理對保費收入之影響 18
三、分行管理與理財專員之關係 19
第三節 研究設計 19
一、問卷設計 19
二、研究對象及抽樣方法 22
三、分析方法 23
第四章 實證分析 27
第一節 分行資料樣本敘述性統計分析 27
第二節 因素分析 29
一、理財專員構念 29
二、分行管理構念 30
第三節 信度分析 31
一、理財專員信度分析 32
二、分行管理信度分析 33
第四節 效度分析 34
一、收斂效度分析 34
二、區別效度分析 37
第五節 結構方程式模型分析 39
一、基本的配適標準 40
二、整體模型配適度 41
三、模型內在結構適配度 44
第六節 假說關係驗證 45
第七節 中介效果分析 46
第八節 迴歸分析 48
一、模型建立 48
二、相關分析 48
三、迴歸分析結果 50
第五章 結論與研究限制 55
第一節 結論 55
第二節 研究限制 57
參考文獻 58
附錄 70		zh_TW
dc.format.extent 1173306 bytes-
dc.format.mimetype application/pdf-
dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0103358023en_US
dc.subject (關鍵詞) 銀行3.0zh_TW
dc.subject (關鍵詞) 銀行分行zh_TW
dc.subject (關鍵詞) 金融創新zh_TW
dc.subject (關鍵詞) 銀行保險zh_TW
dc.subject (關鍵詞) 分行管理zh_TW
dc.title (題名) 銀行實體分行從事銀行保險業務績效影響因素之探討-兼論分行虛擬化之影響zh_TW
dc.title (題名) The Study of the Factors Affect Bancassurance Performance of Banksen_US
dc.type (資料類型) thesisen_US
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