C2C（consumer to consumer）模式的拍賣網站在近年來成為新興的購物通路，它的優點是不需出門就可以找到便宜、多樣化的商品，還可以享受競標購物的樂趣，因此吸引眾多消費者上網尋寶。 過去國內對於拍賣網站的研究多限於競標機制、交易安全、交易成本等面向，縱使有關於消費者行為的研究，大多將重點放在哪些因素會影響消費者使用拍賣網站的意願。然而當消費者開始使用拍賣網站後，究竟是如何處理眾多的資訊？又如何做成購物決策呢？本研究從消費者心理的角度，試圖瞭解什麼樣的訊息設計能夠吸引買方，進而促進交易的達成。 本研究採取實驗法，採用2×2×2之多因子設計，操弄之自變項包括產品類型（搜尋品╲經驗品）、出價次數（低╲高）、和訊息來源（賣家╲買家），依變項為產品態度和購買意願。主要在探討產品類型、出價次數、和訊息來源是否分別對產品態度和購買意願產生影響？又產品類型和出價次數、產品類型和訊息來源之間是否產生交互作用？ 研究結果主要有以下幾點發現：(1)產品類型對購買意願具有顯著影響，其中以搜尋品之購買意願較高；(2)訊息來源對產品態度和購買意願具有顯著影響，其中以買家訊息來源較佳；(3)訊息來源和產品類型具有交互效果，當產品類型為搜尋品時，訊息來源對產品態度和購買意願沒有顯著影響，但當產品類型為經驗品時，買家訊息來源之產品態度和購買意願顯著高於賣家訊息來源；(4)出價次數之假設未獲支持，推測主要原因是出價次數可能同時具有正反兩個方向的影響力，這可以由「從眾」和「反從眾」的理論來解釋。 綜合上述發現，提出幾點實務建議，期望能供拍賣網站經營者強化網站功能、以及賣家設計商品訊息時之參考：(1)在拍賣網站上銷售搜尋性產品較為有利；(2)在商品訊息中引用舊顧客之正面意見，可以提升銷售；(3)對於經驗性產品而言，舊顧客的口碑更加重要。

Les États semblent ériger les Cours constitutionnelles en meilleur garant de la protection des droits fondamentaux. Cette étude propose une délimitation des compétences, voire des responsabilités constitutionnelles. Elle démontre que si l'inneffectivité de la protection des droits a été mise en évidence en dépit de l'existence des mécanismes de justice constitutionnelle et des ratifications massives des conventions internationales, c'est la recherche des défaillances de la protection constitutionnelle qui s'impose. La confrontation « des engagements internationaux aux défaillances de la protection des droits fondamentaux » pose la question du contrôle qui est censé être exercé par le juge constitutionnel. Au regard des expériences française et internationale, le Niger offre un exemple parfait des paradoxes de ces mécanismes de contrôle tant a priori qu'a posteriori. Ces défaillances apparaissent à travers les limites constitutionnelles de l'intervention du juge constitutionnel, voire du juge international. Cette étude à la fois micro et macrocomparative, révèle le décalage entre la justice constitutionnelle nigérienne et française. Bien plus, elle illustre le déficit de la protection constitutionnelle, y compris de la France, par rapport aux véritables exigences internationales de la protection. Au-delà, cette thèse propose des pistes d'une protection conventionnelle efficace, voire effective des droits fondamentaux conventionnels. / States seem to assign a more important role to Constitutional courts to protect fundamental rights. This study proposes a delimitation of powers and constitutional responsibilities. It shows that if the ineffectiveness of human rights has been highlighted despite the fact that there are mechanisms of constitutional justice and massive ratifications of international conventions, research focusing on constitutional protection deficiencies remains crucial. Comparing “international commitments and deficiencies in the protection of fundamental rights” raises the issue of control which is supposed to be exercised by the Constitutional court. In the light of the French and international experiences, Niger provides a perfect example of paradoxes of the pre-control and post-control mechanisms. Such deficiencies appear through constitutional limits of the intervention of the Constitutional judge and the international judge. This micro and macro comparative study reveals the difference between the Nigeren and the French constitutional justice. It also illustrates the shortfall of the constitutional protection including France in the face of the real international requirements of the protection. Furthermore, this doctoral thesis proposes courses of action for effective and efficient protection under the convention.

Cette thèse porte sur la création d'un système expert d'alignement automatique des signaux chromatographiques répondant à une problématique de dérives et de décalages de signaux rencontrée dans l'inter-comparaison de données en milieu évolutif. Après un état de l'art des différentes méthodes d'alignement qui existent dans la littérature, les performances des méthodes librement disponibles ont été testées sur des jeux de données chromatographiques simulées et réelles. A l'issu de ce travail méthodique, il s'est avéré qu'aucune des méthodes n'apportait pleinement satisfaction en matière de performances définies dans le cahier des charges. Ainsi, une optimisation de la meilleure de ces méthodes d'alignement a été développée afin qu'elle puisse être annexée à un logiciel d'acquisition et de traitement de données chromatographiques. La dernière partie de ce manuscrit traite d'une problématique complémentaire, la conformité des échantillons en terme de contrôle qualité. La similitude des pics est évaluée selon des critères développés et validés par une exploitation manuelle des données. / This thesis focuses on the creation of an expert system for automatic alignment of chromatographic signals in response to a problem of drifts and shifts of signals encountered in the inter-comparison of data in evolving environment. After a state of the art of the different alignment methods that exist in the literature, the performances of freely available methods were tested on sets of simulated and real chromatographic data. At the end of this methodical work, it turned out that none of the methods did not provide fully satisfactory in terms of performance defined in the specification. Thus, an optimization of the best alignment method has been developed so that it can be attached to a software acquisition and processing of chromatographic data. The last part of this thesis deals with a complementary problem, the conformity of the samples in terms of quality control. The similarity of the peaks is evaluated according to criteria developed and validated by manual operation data.

L’accidentalité des conducteurs de 2RM est au cœur des préoccupations de sécurité routière. Ce travail de thèse vise à apporter des connaissances sur les différences de sexe et de conformité aux stéréotypes de sexe au sein de cette communauté très masculine. Il a été montré que les femmes motocyclistes avaient des taux d’accidents corporels ou mortels bien inférieurs à ceux des hommes. Les résultats montrent que les comportements à risque accidentels des hommes et des femmes motocyclistes sont proches, hormis pour les comportements les plus risqués. Il a aussi été montré que le type de motocyclette avait un effet plus important que le sexe sur les comportements à risques accidentels. De plus, il a été montré que les motocyclistes se conforment aux stéréotypes de sexe qui leurs sont associés et que la masculinité renforce la prise de risque et la transgression des règles, cette relation étant expliquée par les motivations à conduire un 2RM. Enfin, ce travail a montré que les stéréotypes de sexe associés à la conduite d’une motocyclette existent déjà chez les adolescents dès 11 ans. Ce travail de thèse montre donc des différences significatives entre hommes et femmes conducteurs de 2RM, autant au niveau de leur accidentalité que de leurs prises de risque. De plus, des stéréotypes de sexe existent bien pour cette population spécifique d’usagers de la route. Ces travaux permettent d’avoir une connaissance plus fine des comportements des conducteurs de 2RM, et d’enrichir la réflexion sur des actions possibles en matière d’éducation routière, en ciblant les sous-populations les plus à risque chez les conducteurs de 2RM. / The powered two-wheelers (PTW) riders’ accidentality is at the heart of road safety issues. This PhD thesis is part of a comprehensive approach to generate knowledge on sex differences and sex stereotypes conformity within this very masculine stereotyped community. It first showed that female motorcyclists have much lower injury crashes and fatalities rates than males. A first study showed that males declared more intentional risky behaviors and female more non-intentional risky behaviors. A second study showed that the PTW type chosen had a more important effect on the aberrant behaviors than sex. A third study showed that individuals who conformed to masculine stereotypes declared more violations than those who conformed to feminine stereotypes (declared more lapses), whatever their sex. Motivations to ride a PTW explaining this relation. Finally, this work showed that sex stereotypes associated with motorcycle riding already existed on the adolescent population, from the age of 11, even if they are themselves moped riders or if at least one of their parents is a rider. As a conclusion, significant differences between male and female PTW riders were revealed, in terms of accidentology and risk taking. These differences are linked to the riders’ conformity to their sex group and to the effects of this conformity on their motivations to ride a PTW. Moreover, it also showed that sex stereotypes exist for this specific road users’ population. This work led to a more detailed understanding of PTW riders’ aberrant behaviors, and to enrich the thinking for actions with regard to road safety education and prevention.

La présente recherche se réunit quatre questions générales et cruciales : 1) La place de la Convention européenne des Droits de l’Homme en droit Géorgien; 2) La conformité de la législation géorgienne avec la Convention Européenne des Droits de l’Homme; 3) Les relations de la Cour Constitutionnelle de Géorgie et de la Cour Européenne des Droits de l’Homme; 4) L’impact des décisions de la Cour Européenne des Droits de l’Homme sur la Géorgie. Sur toutes ces questions, contrairement aux Etats de l’Ouest de l’Europe, il existe peu d’information et/ou d’ouvrages sur la Géorgie, ce qui a rendu notre tâche longue et délicate. Il convient en effet de rappeler au lecteur de l’Europe occidental que la Géorgie est un Etat en développement. La Géorgie, située entre la Turquie et la Russie, pendant toute son histoire a été obligée de s’orienter vers une politique de défense. L’histoire de la Géorgie indépendante recommence après la chute de l’URSS en 1991. La Géorgie a adhéré au Conseil de l’Europe en 1999, mais les processus de l’européanisation du droit national commencent à partir 2004. La Convention Européenne des droits de l’Homme est un mécanisme efficace pour la protection des droits de l’Homme et les activités de la Cour européenne des droits de l’Homme suscitent un vif intérêt en Géorgie. Cependant, dans des relations juridiques, y compris devant le tribunal, l’application des standards européens des droits de l’Homme n’est pas un objectif en soi. Il faut que les juges, avocats, procureurs et les représentants d’autres professions juridiques garantissent, au cours de leurs activités, le respect des standards des droits de l’Homme existants.Dans le cadre de la présent recherche, on examinera l’influence de la Convention Européenne des Droits de l’Homme sur le Droit Géorgien a partir de la ratification de la Convention Européenne des Droits de l’Homme en 1999, jusqu’au 28 février, 2014 en deux directions : 1. Le statut de la Convention Européenne des Droits de l’Homme dans le Droit Géorgien (PARTIE I) et 2. La Géorgie face à la Cour Européenne des Droits de l’Homme (PARTIE II). / The given research unites four main questions: 1. Place of European Convention on Human Rights in Georgian Law. 2. Conformity of Georgian legislation with the European Convention on Human Rights. 3. Conformity of Constitutional Law judgments with the standards established by the European Court of Human Rights. 4. Judgments of European Court of Human Rights against Georgia.In connection to all these questions there is very little information and work in Georgia, which has made us study them better – on the ground of actuality of the given questions. We’ve considered discussing to the West European reader that Georgia is a developed country. It is located between Turkey and Russia, during its whole history it had to be orientated on the self-defense policy. History of Independent Georgia starts in 1991 by destruction of the Soviet Union. In 1999 Georgia became a member of the European Union, but National Law in Georgia and Europeanization process of State Institutions started in 2004. Human Rights European Convention represents an effective standard of Human Rights, accordingly activities of European Court of Human Rights causes great interest in Georgia. Despite all these in the legal circles, between them use of Human Rights European standards have become obligatory in the courts. It is needed that the judges, advocates, procurators and representatives of other legal professions have to actively use the existed standards of Human Rights Protection. In the framework of the given research we will investigate influence of European Convention on Human Rights with Georgian Law and starting from ratification of European Convention by Georgia – since 1999 – till February 28, 2014 included in two directions: 1. Place of Human Rights European Convention in Georgian Law (part I) and 2. Georgia against European Court of Human Rights (part II).

Cette enquête micro-sociologique réalisée sous forme d'observation participante active, s'intéresse aux questions suivantes : comment devient-on body-builder? Comment s'installent des pressions normatives et « déviances positives » attendues et reconnues par le groupe de pratiquants? Ainsi, pendant 8 mois, j'ai suivi une initiation au body-building supervisée par un ancien body-builder (titré internationalement) devenu coach. J'ai participé aux séances de musculation aux côtés de compétiteurs, sportifs et sédentaires, au rythme de quatre entraînements de deux heures par semaine. La thèse soutient que le body-building de haut-niveau fonctionne sur le principe de l'ascèse tout en construisant un lien social de type sectaire entre les membres du groupe et le coach. La transformation du corps demande une implication totale qui a pour conséquence une rupture du quotidien et une restructuration des relations sociales de l'initié. Plus il est reconnu et accepté par le coach et ses pairs, plus il reçoit un regard critique de l'extérieur, ce qui le conduit à un isolement social et renforce les processus d'emprise corporels exercés. Le coach agit comme un gourou de secte en conditionnant le quotidien des athlètes pour les modeler à son image. / This micro-sociological investigation, using the participant observation method, studied how a person becomes a body-builder? How does the expected and accepted normative pressures and " positive deviances " become common practice by the members of the group? Therefore, during 8 months, I followed an initiation of body-building supervised by a former body-builder (internationally titled) who had became a coach. I went to the weight room with competitors, sportsmen and amateur for two hours four times a week. This thesis supports that top-level body-building works on the principle of asceticism and builds sectarian-type social links between the members of the group and the coach. A total implication is required for the transformation of the body which implies giving up the normal every day life and restructuring the initiated persons social relationships. The more he is recognized and accepted by the coach and his peers, the more he will be a criticized from the outside. This will drive him to social isolation and will strengthen the influence exercised by the coach. The coach acts as a guru of sect by controlling the everyday life of the athletes to model them into his image.

Submitted by Maria Aparecida (cidazen@gmail.com) on 2017-08-24T15:21:43Z No. of bitstreams: 1 Carlos Henrique.pdf: 3192728 bytes, checksum: b409baf77eae63d413fff22f89c2f1d9 (MD5) / Made available in DSpace on 2017-08-24T15:21:43Z (GMT). No. of bitstreams: 1 Carlos Henrique.pdf: 3192728 bytes, checksum: b409baf77eae63d413fff22f89c2f1d9 (MD5) Previous issue date: 2012-11-09 / FAPEMA / Currently, there is growing concern about the Power Quality (PQ) problems due to: introduction of automation in industrial processes, presence of personal computers and electronically controlled devices, load equipments with low capacity to withstand small PQ disturbances and increased perception of residential and industrial consumers with regard to PQ disturbances. In this context, an important issue with relation to PQ is the voltage conformity. That is, the adequacy of service voltage to the limits specified by regulatory agencies. The concern about compliance is due to the following problems caused by sustained undervoltages and overvoltages: improper or less-efficient equipment operation, tripping of sensitive loads, overheating of induction motors due to undervoltages, equipment damage or failure due to overvoltages and higher no-load losses in transformers caused by sustained overvoltages. Furthermore, there have been various incentives for connection of Distributed Generation (DG) in distribution networks due to: incentives for the using of electricity generation based on renewable energy sources and free access of independent energy producers to transmission and distribution networks owing to deregulation of the electric sector. In principle, the voltage profile of a distribution network can be improved with connection of DG. However, it is possible to notice severe deteriorations in the voltage profile of distribution networks in DG post-failure scenarios. These failures are caused by problems in the DG components, such as: cooling system, gears, turbines, etc. During the time period in which the DG is under repair, active and reactive power supports to correct the voltage profile are unavailable. Consequently, the voltage profile tends to deteriorate while the DG is disconnected. In this way, it is important to carry out studies to assess the impact of the DG installation on the voltage conformity indices considering the following issues: DG unavailability after an intrinsic failure and load curve. These aspects are subject to uncertainties due its random nature. Due to this, the most suitable approaches to assess the impact of uncertainties associated with load fluctuations and DG failures on the voltage conformity indices are the probabilistic methods. The main advantage of these methods is its capability to combine severity and probability to truly express the system risk. The main objective of this dissertation is the development of a method that models the random behavior of the distribution network in the voltage conformity indices estimation through the probabilistic methods. Models and techniques to incorporate stochastic variations in the demand and DG unavailability in voltage conformity indices estimation are proposed. The technique proposed in this dissertation to carry a Predictive Assessment of Voltage Conformity (PAVC) is based on the combination of the following techniques: power flow for radial distribution networks via current summation method, Quasi-Sequential Monte Carlo Simulation and Fourier analysis of time series. The PAVC model proposed in this dissertation was tested in 32 buses system. The results obtained with this system demonstrated that the DG has a great potential to improve the voltage conformity indices in the distribution network. However, the most significant improvements in the voltage conformity indices are associated with load points distant from the substation. Furthermore, it can be observed that the uncertainties associated with DG failures cause significant variations in the voltage conformity indices. Additionally, a sensitivity study demonstrated that the voltage conformity indices are worse (better) for systems where the load is modeled as constant power (impedance). / Atualmente há um interesse crescente com relação a problemas de Qualidade de Energia Elétrica (QEE) devido a: introdução de automação em processos industriais; presença de computadores pessoais e dispositivos controlados eletronicamente em instalações residenciais; equipamentos de carga com baixa capacidade para suportar pequenos distúrbios de qualidade de energia; e aumento da percepção dos consumidores industriais e residenciais com relação a distúrbios de QEE. Neste contexto, um aspecto importante com relação a QEE é a conformidade de tensão da rede de distribuição. Ou seja, a adequação da tensão de atendimento aos limites especificados pelos órgãos reguladores. A preocupação com a conformidade de tensão é devido aos seguintes problemas causados por subtensões e sobretensões sustentadas: operação indevida ou com baixa eficiência dos equipamentos elétricos dos consumidores; desligamento de cargas sensíveis; aquecimento de motores de indução devido à subtensões; danos ou falhas em equipamentos devido à sobretensões e aumento nas perdas em vazio nos transformadores causado pela presença de sobretensões sustentadas. Além disso, tem havido diversos incentivos para conexão de Geração Distribuída (GD) na rede de distribuição devido a: incentivo para utilização de sistemas de geração de energia elétrica baseados em fontes de energia renováveis; e livre acesso dos produtores independentes de energia às redes de transmissão e distribuição devido a desregulamentação do setor elétrico. Em princípio, o perfil de tensão de uma rede de distribuição pode ser melhorado com a conexão da GD. Contudo é possível observar deteriorações severas no perfil de tensão de redes de distribuição em cenários pós-falha da GD. Estas falhas são causadas por problemas nos componentes da GD, tais como: sistema de refrigeração, engrenagens, turbina, etc. Durante o período de tempo em que a GD está em reparo, o suporte de potência ativa e reativa da GD, para corrigir o perfil de tensão, está indisponível. Consequentemente, o perfil de tensão tende a se deteriorar enquanto a GD estiver desconectada. Desta forma, é importante realizar estudos para avaliar o impacto da instalação da GD nos índices de conformidade de tensão considerando os seguintes aspectos: indisponibilidade da GD após uma falha intrínseca e a curva de carga. Estes aspectos estão sujeitos a incertezas devido a sua natureza aleatória. Devido a isto, as técnicas mais adequadas para avaliar o impacto de incertezas associadas com flutuações de carga e falhas na GD nos índices de conformidade de tensão são os métodos probabilísticos. A principal vantagem destes métodos é a sua capacidade para combinar severidade e probabilidade para expressar verdadeiramente o risco do sistema. O principal objetivo desta dissertação é o desenvolvimento de um método que modele o comportamento aleatório da rede de distribuição na estimação dos índices de conformidade de tensão através de métodos probabilísticos. Modelos e técnicas para incorporar variações estocásticas na demanda e a indisponibilidade da GD na estimação dos índices de conformidade de tensão são propostos. A técnica proposta nesta dissertação para realizar uma Avaliação Preditiva da Conformidade de Tensão (APCT) se baseia na combinação das seguintes técnicas: fluxo de potência para redes de distribuição radiais via método de soma de correntes; simulação Monte Carlo Quasi-Sequencial e análise de Fourier de séries temporais. O modelo de APCT proposto neste artigo foi testado em um sistema de 32 barras. Os resultados obtidos neste sistema demonstraram que a GD tem um grande potencial para melhorar os índices de conformidade de tensão na rede de distribuição. Contudo, as melhorias mais significativas nos índices de conformidade estão associadas com os pontos de carga mais distantes da subestação. Além disso, pode-se observar que as incertezas associadas com as falhas na GD causam variações significativas nos índices de conformidade de tensão. Adicionalmente, um estudo de sensibilidade demonstrou que os índices de conformidade de tensão são piores (melhores) para sistemas onde a carga é modelada como potência (impedância) constante.

Marginalization and stigmatization heighten the vulnerability of sexual minorities to inequitable health outcomes. Although men who have sex with men (MSM) are at elevated risk for HIV infection in India in comparison with the general population, there is a lack of MSM-focused research—particularly regarding stigma and mental health outcomes. This dissertation aimed to explore the influence of sexual stigma, gender non-conformity stigma and HIV-related stigma on depression and life satisfaction among MSM in South India. This study used a cross-sectional survey design and was conducted with MSM (n=200) in two locations in Tamil Nadu, South India: Chennai (urban) and Kumbakonam (semi-urban). Due to multicollinearity between sexual stigma and gender non-conformity stigma, the stronger predictor of each outcome (gender non-conformity stigma) was included in regression models. Results were analyzed to identify the associations between independent (gender non-conformity stigma, HIV-related stigma), moderator (social support, resilient coping) and dependent (depression, life satisfaction) variables. Due to significant differences between locations across a substantial number of variables, block regression analyses were conducted separately for each location. Higher levels of depression were predicted by gender non-conformity stigma in both locations, and also by HIV-related stigma in Kumbakonam. Lower levels of depression in both locations were predicted by higher levels of social support and resilient coping. Higher life satisfaction was predicted by social support and resilient coping in both Chennai and Kumbakonam. Lower life satisfaction was predicted by gender non-conformity stigma and HIV-related stigma in Kumbakonam, but not in Chennai. Social support and resilient coping did not moderate the impact of stigma(s) on depression or life satisfaction in either location. The results indicate that the majority of participants experienced stigmatization based on same-sex sexual behaviour and/or gender non-conformity. Another striking finding of the study was the alarmingly high rates of depression, whereby over half of participants in each region reported moderate to severe depression scores. Practice and policy implications include the development, implementation and evaluation of: multi-level stigma reduction interventions that account for socio-environmental and contextual factors; mental health interventions that promote resiliency and build social support; and policy initiatives to advance human rights protection.

Marginalization and stigmatization heighten the vulnerability of sexual minorities to inequitable health outcomes. Although men who have sex with men (MSM) are at elevated risk for HIV infection in India in comparison with the general population, there is a lack of MSM-focused research—particularly regarding stigma and mental health outcomes. This dissertation aimed to explore the influence of sexual stigma, gender non-conformity stigma and HIV-related stigma on depression and life satisfaction among MSM in South India. This study used a cross-sectional survey design and was conducted with MSM (n=200) in two locations in Tamil Nadu, South India: Chennai (urban) and Kumbakonam (semi-urban). Due to multicollinearity between sexual stigma and gender non-conformity stigma, the stronger predictor of each outcome (gender non-conformity stigma) was included in regression models. Results were analyzed to identify the associations between independent (gender non-conformity stigma, HIV-related stigma), moderator (social support, resilient coping) and dependent (depression, life satisfaction) variables. Due to significant differences between locations across a substantial number of variables, block regression analyses were conducted separately for each location. Higher levels of depression were predicted by gender non-conformity stigma in both locations, and also by HIV-related stigma in Kumbakonam. Lower levels of depression in both locations were predicted by higher levels of social support and resilient coping. Higher life satisfaction was predicted by social support and resilient coping in both Chennai and Kumbakonam. Lower life satisfaction was predicted by gender non-conformity stigma and HIV-related stigma in Kumbakonam, but not in Chennai. Social support and resilient coping did not moderate the impact of stigma(s) on depression or life satisfaction in either location. The results indicate that the majority of participants experienced stigmatization based on same-sex sexual behaviour and/or gender non-conformity. Another striking finding of the study was the alarmingly high rates of depression, whereby over half of participants in each region reported moderate to severe depression scores. Practice and policy implications include the development, implementation and evaluation of: multi-level stigma reduction interventions that account for socio-environmental and contextual factors; mental health interventions that promote resiliency and build social support; and policy initiatives to advance human rights protection.

近年來在金融整合的趨勢下，國內外金融業透過購併整合成為大型的金控集團，使得金融產業結構大為改變。在整合的架構下發展出新的金融商品及市場。由於金控公司將銀行與證券商、保險業結盟合併，金控子公司可以進行交叉銷售(cross selling)，使金融商品多元化，提供給客戶包含保險、股票、信用卡、基金、債券等金融商品，這些多元化的金融商品與服務，金控公司亦可藉著交叉銷售擴大市場占有率及降低經營成本，進而強化整體獲利。 本研究以國泰金控和富邦金控的壽險子公司轉型為研究案例，進行個案分析探討，以了解個案公司組織轉型的原因、組織調整方式及轉型後的成效。本研究利用近十年的統計資料進行分析，研究產業的變化及觀察個案公司的市佔率及業務狀況。研究結果發現:1.壽險公司轉型成為提供多元服務的金融控股公司2.壽險業業務人員轉型成為全方位理財服務人員3.金融業相互整合，行銷通路多元化4.科技及產業變化創造出新通路新市場5.企業成長往多角化發展並兼顧核心競爭能力