本文從顧客的觀點，來探討台灣地區銀行保險之最佳聯盟型態。本文運用修正式德菲法與網路層級分析法(ANP)來建構評選模式，並驗證此評選模式之可行性，且將本文之評選結果與專家小組討論，證實金融控股公司將是最佳方案，為最能滿足顧客「一次購足(one-stop shopping)」需求的銀行保險聯盟整合型態。本文所建構銀行保險聯盟型態評選模式，可提供台灣銀行業、保險業與政府監理機關作為評估銀行保險發展政策之參考。

This paper identifies the best bancassurance alliance model from the customers’ perspective in the Taiwan area. Accordingly, the study adopts the modified Delphi Method and analytic network process (ANP) to construct an evaluation method and to verify its effectiveness. Based on the evaluations of the expert panel, the result presents that Financial Holding Company (FHC) is a best bancassurance alliance model, due to FHC is satisfy consumers a “one-stop shopping” demand. Finally, this proposal an evaluation criterion for determining the optimal alliance structure for Taiwan’s emerging bancassurance sector and provides high-level management of financial institutions, government supervisors, and academicians with recommendations for future development.

目 錄
頁次
誌　謝 I
中文摘要 II
英文摘要 III
目 錄 IV
圖 目 錄 VI
表 目 錄 VII
第一章　緒　論 1
1.1 研究背景與動機 1
1.2 研究問題與目的 3
1.3 研究對象與範圍 4
1.4 研究架構 4
1.5 論文結構 5
第二章　文獻探討 6
2.1 銀行保險(Bancassurance) 6
2.1.1 銀行保險之發展 6
2.1.2 銀行保險之定義 7
2.2 策略聯盟(Strategic Alliance) 9
2.2.1 策略聯盟之定義 9
2.2.2 策略聯盟之類型 10
2.3 台灣目前銀行保險經營模式 14
第三章　研究方法 29
3.1 德菲法與修正式德菲法 29
3.2 層級分析法(AHP) 31
3.3 網路層級分析法(ANP) 37
3.4 層級分析法與網路層級分析法之比較 41
第四章　評選模式建構與應用 44
4.1 評選模式之建構 44
4.2 評選模式之應用 45
第五章　結論與建議 57
5.1 研究結論 57
5.2 研究限制 57
5.3 研究建議 58
參考文獻 59
附錄：ANP問卷 66

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