台湾地区银行保险业之发展

银行保险(Bancassurance)在欧美已盛行多年且深具实效,然在我国台湾地区是一个新兴起的渠道,并正处于发展阶段。近年来台湾地区寿险业之经营面临各种内外在环境变迁影响,获利节节下降,营运困难度增加。加以金融制度开放,致银行、保险、证券间的业务区隔逐渐模糊,如何整合行销资源和突破现有困境以获取最大竞争优势,遂成为寿险业者营运重点。从事银行保险,如能充分发挥双方优势,能为消费者、寿险业及银行业三方带来利益,并可达到三赢的成效。

The development of bancassurance in Taiwan

Bancassurance has been in popularity in Europe and the United States for many years and has been a productive channel for the insurance industry.But it is a relatively new channel in Taiwan and is still in the development stage.Taiwan insurance industry has been facing with a changing environment both externally and internally in recent years,which leads to continuous decline of its profitability and increasing difficulty of operation.Moreover,financial deregulation has blurred the boundaries among the bank...