| 摘要: | 本研究為一可行性分析，試圖找出一個保險業務員運用個人網路平台成功發展業務與組織之解決方案，從市場、技術、成本效益、法令及風險等五個客觀的面向進行可行性分析。 研究結果顯示：保險業務員要有效經營一個網路平台，原則上需以應用為導向，以消費者為核心，建議方式如下：一、豐富的網站內容且多變化；二、資源整合；三、透過簡訊及電子郵件主動加強與客戶及準客戶聯繫；四、廣發名片與交換名片（名片上印上個人網址）；五、購買關鍵字廣告；六、與其他網站交換連結；七、運用即時通或社群；八、爭取在專業平台曝光；九、由保險公司或委由專業網路平台公司統一規劃。 整體保險業在網路上經營的發展尚處於不完善階段，仍然存在一些風險和不足，而且法令遵循更是從事任何保險活動所該注意的首要項目。但是，如果每位保險業務員與保險公司既能充分利用網路優勢，又能最大限度地防範網路風險，不斷創新發展，那麼全面e化的在網上經營保險，即可在激烈競爭的環境中突圍，也就能帶來新業績，最後才能迎來保險公司、保險業務員、與投保客戶三贏的良好局面。The study is a feasibility analysis, aiming at investigating the feasibility of implementing an Internet-based solution for insurance agents to facilitate sales activates. Five important aspects of feasibilities, namely, market, technical, economic, legal and risk, were assessed. Our analysis reveals that an Internet-based system will be effective for insurance agents to perform their business. In principle, the system should focus on the application aspects, and consumer-centric. Our suggestions for the proposed system are as follows. 1. Rich in relevant content and flexible in presentation, to suit heterogeneous users, 2. Fully integrated resources for the agents, 3. Capable of sending SMS/text and e-mail to clients and potential clients, 4. Capable of distributing, sharing and exchanging customized business cards, 5. Use of search engine optimization and keyword advertisement, 6. Hyper-link exchange with external web-sites, 7. Exploiting social networking and instant messaging, 8. Expand exposure over the Internet, 9. Plan and execute the system by Insurance companies (or outsourced to professional Internet companies by the insurance companies). The availability of insurance solutions on the Internet is still early in its development stage, there are bound to be risk and insufficiencies, and compliance to law and regulations is a MUST in the Industry. If the insurance companies and their agents can effectively exploit the potentials brought in by the Internet, they can no doubt increase their competitiveness. In doing so, a e-insurance business model can be implemented, where there is a possibility of a win-win-win situation among the insurance companies, agents and clients. |
