Abstract Insurance Marketing Channel is a form of media which is known for delivering insurance products directly from Insuers to the Consumer. Though the banking and insurance industries are in the same finacial field. However, the gap between them has become more and more pronounced. A major cause for this is related to the fact that regulations are being de-regulated and gradually unchained by individual conturies. The reasons why the Bancassurance marketing channel has become one of the insurance industry¡¦s most important marketing channel is due in large part to a series of reforms in the financial field which took place soon after Taiwan joined the WTO. These reforms have also boosted the profile of Bancassurance and made it directly important, especially after the enactment of the ¡§Financial Holding Company Act¡¨ of 2001 and ¡§ Rules for jointly promoting products or providing related service¡¨ of 2003 by the Financail Supervisory Commission. Due to the bank, insurance, and securities companies cross-integration into X-selling, to satisfy one-stop shopping needs of clients; these industries have come together to form the strategic alliance of Bancassurance. From bank company¡¦s viewpoint, they can earn more risk-free fee income by way of selling insurance products to ease the pain of the negative spread from red ocean banking environment. From insurance company¡¦s point of view, they can leverage the banking industry¡¦s large customer basis and their massive branch banking network to significantly cut their basic unit selling cost through the massing capabilities of Bancassurance Marketing Channel. From the consumers viewpoint they can reduce the cost or broad spectrum saerching and better satisfy their one-stop shopping needs. After the ¡§Financial Holding Company Act¡¨ was put into effective, Financial Holdings can possess subsideries like bank, insurance companies (both life or general insurance), and securities companies to better serve their client¡¦s one-stop shopping needs. This represent a far greater challenge to those insurance companies who do not have the background of or access to the resourances that Financial Holdings can offer, forming a barrier that makes it difficult for those above mentioned insurance companies to enter into the Financial Holings Bancassurance marketing channel. Based upon this, my reaserch will present a case study and in-depth interviews of high level banking and insurance company executives who are, themselves, in charge of Bancassurance business, and I will also look into a general insurance company with a non-Financial Holdings background to explore how it can develop its Bancassurance channels. Due to the emergence of Bancassurance, Market Channels are widely successful and advanced in many western countries, and are also well-developed in the life insurance industry here in Taiwan. The traditional way of marketing in the general insurance is by way of solicitors; however, the quantity of solicitors is less than that of life insurance industry. In this regard, it is very important for the non-financail holding, general insurance companies to properly leverage the advantage of the bankingindustries¡¦ island-wide branches and their good relationship with their clients to make this strategic alliance and truly reach a win-win-win synergy between banks, general insurance companies and consumer. Keyword: Bancassurance, Market Channel

Zugl.: Erlangen, Nürnberg, Univ., Diss., 2009

Thesis (M. Arch.)--University of Hong Kong, 1996. / Includes special report study entitled: Mechanical parking system. Includes bibliographical references.

Zugl.: Aachen, Techn. Hochsch., Diss., 2009

Thesis (Ph. D.)--University of Texas at Austin, 2003. / Vita. Includes bibliographical references. Available also from UMI Company.

No description available.

Over the past decades, people have had an increasing chance to receive eco- nomic information, especially news related to the stock market. This is because the fraction of the U.S. population owning stocks has increased rapidly. However, it does not mean that a majority of news sources have started to deal with financial news more. We do not know how traditional media, such as newspapers, have dealt with financial news during the same period, nor do we know the influence of this environmental change on political attitudes. In this report, I analyze the type of contexts in which the stock market has been described in The New York Times from 1981 to 2011 by Wordfish and the Latent Dirichlet Allocation (LDA) model. I find that a plunge in the stock market and political events affect the amount of political topics in stock market news. In particular, after the financial crisis of 2008–2009, stock market news consisted of economic, political, and social topics. / text

The local labour market has gained increased importance in the UK in recent years, as a focus for policy formulation and implementation. However, the local labour market is often illdefined in spatial terms, with the defmition being implicit rather than explicit, or standard administrative areas are used without any reasoned justification. Alternatively, within the UK, standard pre-defined areas, most usually official travel-to-work-areas (TTWAs) , are adopted as suitable proxies for local labour market areas. Recent concerns have been raised in the UK regarding the validity of this approach in many cases, and this was a feature of the 1998 review of the TrW As within the UK. To counter these diverse approaches, with the consequent implications for the efficacy of spatially targeted labour market policies, a definition of idealised spatial labour market areas is constructed. Further to this, a large-scale empirical analysis of commuting information from the Scottish results of the 1991 Census of Population is undertaken, to test whether idealised spatial labour markets can be identified for distinct occupational groups, disaggregated by gender. The results of the analysis confirm the improbability of achieving idealised spatial labour market definitions using commuting data. However, it is suggested that introducing a common metric for the definition of spatial labour markets should have a beneficial effect in terms of transparency of analysis and consistency of approach. Such a metric would make explicit the suitability of an area for consideration as a spatial labour market, and would include notions both of self-containment and internal coherence. It is contended that such an approach would be more flexible than the current approach using standard areas. It also has the potential to incorporate separate analyses for different gender, occupational groups, ethnicity or other personal characteristics, whilst still retaining many of the key concepts and measures which underpinned the development of TTWAs.

This thesis measures and evaluates the impact of the integration of Philippine labour into the international labour market, by studying three prototype structures of this integration, namely: the export processing zone, migration of contract workers and subcontracting of domestic outwork. The evaluation is on two levels: first, whether the integration since the early 70s has significantly improved the levels of employment, wages and skills, and second, whether there are prospects of further growth in these variables. This study also evaluates the impact on the trade union movement and on employment of women. Theoretically, for a labour-surplus economy, linkage with the international factor market should increase the levels of the above variables. However, there is evidence that this is not necessarily so and that such linkage may prove costly in the long run. In addition to aggregate data obtained from various agencies, three community-level surveys were undertaken for this study. Each of the three structures studied shows varying degrees of significance of effects on the levels of employment, wages and skills, and on trade unions and employment of women. On an Overall level however, there is a pattern. Employment generation, if measured in terms of the regional, sectoral and industrial objectives of the structures, has been significant. But on the aggregate level, this is still far short of effecting full employment. Consequently, real wage levels in general have remained on a downward trend, although for the individual workers the gains are substantial, especially for the migrant workers. Viewed as a process, the linkage means a series of access for capital to cheaper sources of labour, particularly of women and domestic outworkers. The level of skills acquisition has not been significant and no loss of skills is indicated. Prospects for further growth in employment, wages and skills appear limited with the possible decline in demand for Philippine labour in the face of developments in the world market and the competition from other labour-surplus Asian economies. Finally, there has been a weakening of the trade union movement in general and a progressive recourse by management to employment of women as alternative source of cheap labour. Although the findings show a mixture of benefits and costs arising from the integration into the international market, it is recommended that an evaluation of this strategy be made in the light of changing world market and ASEAN regional conditions.

Market segmentation is a multicriterion problem. This dissertation addresses the multicriterion nature of market segmentation with a new unified segmentation model that is derived from multiobjective conceptual framework. The unified model elegantly solves the intrinsic antagonistic problem of market segmentation by generating a set of Pareto optimal solutions that represents different tradeoffs among multiple conflicting objectives. This dissertation develops an innovative implementation named Multicriterion Market Segmentation using Evolutionary Algorithm (MMSEA). Based on multiobjective evolutionary algorithms, MMSEA overcomes many limitations and disadvantages of existing methods by optimizing multiple objectives simultaneously, searching for globally optimal solutions and generating a set of Pareto optimal solutions. It also suggests the interesting solutions based on the geometric characteristics of Pareto front. The method was applied to customer value and benefit segmentation for the cell phone service market (a descriptive segmentation model) and customer response segmentation for a national retailer (two predictive segmentation models). The empirical evaluation shows that the proposed unified market segmentation model and solution techniques provide the decision makers with many insights and enhanced flexibility that are missing in existing market segmentation methods.