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| Title: | 金融創新個案研究：喬安網路平台股份有限公司
Financial Innovation: A Case Study on JA Intercare INC. |
| Authors: | 林玲儀
Lin, Ling Yi |
| Contributors: | 周行一
Chow, Edward
林玲儀
Lin, Ling Yi |
| Keywords: | 互助保險
安定基金
專利
網路銀行
大數據
Mutual Insurance
Stability Fund
Patent
I-Banking
Big Data |
| Date: | 2013 |
| Issue Date: | 2015-03-02 10:09:08 (UTC+8) |
| Abstract: | 據統計，台灣已正式邁入人口老年化階段，龐大銀髮族相關需求將大幅提升，也是未來社會必須面臨的問題之一。而保險產品對於老年人口似乎能提供保障、降低未來生活負擔，但是即使台灣保險滲透度已高達18.19%，居世界第一，大部分商業保險卻拒絕提供適當的產品給最可能發生風險及最需要保險保障的族群，該族群龐大市場需求仍尚未被滿足。相較之下，能夠幫助該族群滿足保險需求的互助保險，國外之發展成熟且仍持續成長，台灣互助保險市場則處於法令規範模糊、難以和商業保險競爭的情況，故本論文欲研究針對此弱勢客群提供服務的喬安網路平台股份有限公司開發的「安家30專案」互助保險產品進行個案分析。「安家30」互助保險自2009年營運至今五年以來，有超出預期的營運成果，也有與初始構想的落差，未來除了致力改善平台營運模式外，將著重在通路擴張、大數據發展以及專利佈局三大策略，以擴大公司規模為主要目標，屆時簡永松先生將面臨互助保險適法性問題、平台機制穩定度疑慮以及與商業保險競爭等挑戰，本研究期望能藉由分析喬安公司以進一步了解互助保險在台灣為何難以普及、目前互助保險市場的概況以及未來可以發展的方向。
According to a statistic from United Nations, Taiwan has entered into an aging stage. The enormous demand for the aged population will grow vastly, which is going to be one of the domestic challenges. The insurance policy seems to guarantee the elderly against loss and reduce their burdens in the future. However, though the insurance penetration rate in Taiwan has reaches 18.19%, which is ranked the highest in the world, most of the commercial insurance companies refuse to insure those who are disabled, have serious illness, or can’t afford high insurance premium. The demand for the underprivileged has not been met. By contrast, the mutual insurance, which is owned entirely by its policyholders and can provide coverages to the group, has become mature and kept growing in the developed countries. In Taiwan, the regulation of mutual insurance is in an indistinct condition and can’t compete with the commercial insurance. Therefore, we present here a case study on JA Intercare INC, a mutual insurance company in Taiwan, to identify how it performed during the previous 5 business year. The company aims to improve the business model. Besides, it will focus on expanding channel, developing big data, and patent allocation in order to expand its scale. Then, it may face the challenges of regulations, the sustainability of the mutual-aid platform, and the competition with commercial insurance. This paper aims to analyze the mutual insurance company to identify why it has not been widely available, the market profile, and suggestions for its strategies. |
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| Description: | 碩士
國立政治大學
財務管理研究所
101357029
102 |
| Source URI: | http://thesis.lib.nccu.edu.tw/record/#G1013570292 |
| Data Type: | thesis |
| Appears in Collections: | [財務管理學系] 學位論文
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