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  • About
  • The Global ETD Search service is a free service for researchers to find electronic theses and dissertations. This service is provided by the Networked Digital Library of Theses and Dissertations.
    Our metadata is collected from universities around the world. If you manage a university/consortium/country archive and want to be added, details can be found on the NDLTD website.
1

保險商品電子商務投保商業模式之可行性研究 / Feasibility Study on the Business Model of the Insurance Products in E-commerce

尹立豪 Unknown Date (has links)
在多元化的社會中,客戶對於投資自己的觀念已較過去為重,然而投資自己的方式是多元的,而今保險的投資方式是屬於較保守的方式之一,也是客戶較能接受的方向之一。所以,為能滿足廣泛的客戶族群的需求,保險產業除了持續傳統的保險業務員推銷的商業模式之外,亦應提供另一項商業模式的推行,讓不喜歡保險業務員推銷手法的客戶可以有另一項投保管道的選擇,這也是本文研究保險商品之電子商務投保的商業模式的構想,並且藉由保險商品之電子商務投保商業模式的可行性及優劣的探討,據以作為保險產業拓展新營運方式的依據。 因此,本研究根據分析的結果,獲得了以下幾項研究發現,並且將內容概述如下: 一、 保險產業在投入新的商業模式時,在未來的保險市場上的發展將更具有競爭力。 二、 網路投保、雲端行銷、客戶服務、保險商品客製化、會員權益等商業模式的推行,有助保險公司的經營發展。 三、 內部組織應著重於成本的規劃與回饋,以及重視商品交易的作業時效的要求。 四、 保險產業競爭愈來愈激烈的環境下,降低威脅所造成的影響,便是商業模式成功推行的方向。
2

健保財務狀況與國內社經因素之相關性研究 / The causality analysis between financial status of health insurance and socio-economic indexes

孫德基 Unknown Date (has links)
全民健康保險(簡稱健保或全民健保)的財務狀況,自民國84年開辦以來均呈現收支不平衡的現象。有鑑於此,本研究擬針對健保財務狀況的影響因子進行探討,故考慮國內整體的社會及經濟環境指標變數的變動趨勢,對健保保費收入與健保保費支出間的關係。此外,我們更納入保險主要指標(包含保險密度及保險滲透率)的概念,進一步探討社經指標對其影響程度。 本研究導入相關分析及多元廻歸等方法,研究解釋變數(包含GDP、經濟成長率、國民所得或每人國民所得、GNP或每人GNP、失業率、勞參率、人口數、就業人口數、平均薪資等)對因變數(包含健保保費收入、健保保費支出、健保保險密度、健保保險滲透率等)間的關係。其研究結果顯示,在相關分析部分,除經濟成長率對健保財務狀況的影響不顯著外,其餘變數對健保財務狀況關係呈現相關性。在廻歸分析部分,就業人口數的增加將造成健保保費收入增加及健保保險滲透率的提高,反之則呈現遞減,而失業率、GDP、人口數的成長將造成健保保費支出的增加及健保保險密度的上升。 / Since the institution of the current healthcare system in Taiwan, known as National Health Insurance (NHI), in 1995, its financial condition faces the imbalance of the funding and the expenditure. Based on this issue, this project aims to research on the factors impacting the NHI financial condition. The factors take into consideration of the socioeconomic issues and the changing trends of the various economic indicators affecting the funding and the expenditure of the NHI. In addition by encompassing the concepts of insurance penetration and insurance density rate, the project further analyzes the impact of the socioeconomic indicators on the NHI. The project adopts the application of correlation analysis and multiple linear regression analysis to study the influences of the variables: gross domestic products (GDP), economic growth, gross national products (GNP), unemployment rate, workforce participation rate, population, employment rate and average salary, have on the variables: NHI receiving premiums, NHI expenditures, NHI insurance density rate and insurance penetration rate. The results show that under the correlation analysis model all of the variables except for the economic growth rate have the association impact on the NHI financial conditions. As for the analysis under the multiple linear regression analysis, the increase of the employment does increase premium receiving and penetration rate of the NHI and vice versa. With the same respect the increase of the unemployment, GDP and population increase the expenditures of the NHI and the insurance density rate.

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