近年來由於銀行、保險業等金融機構面臨日趨競爭之經營環境和行銷通路漸趨多元化之故，保險公司固紛紛利用銀行擁有多數據點銷售其保險商品以有效提升保費收入和市占率，銀行亦藉此合作獲取可觀佣金而互蒙其利，銀行保險通路於焉日受重視。然此產銷分離之架構，亦使原本獨自作業系統益加冗長繁複，為求銀行、保險公司及其商業夥伴之網絡有效整合，朝全方位金融與一次購足之經營型態發展，從而滿足客戶多樣化需求，以提升其整體競爭力，台灣保險業經由加入金融控股公司或尋求策略聯盟方式以降低營運成本和提升經營效益，已成既定發展路線。本文爰透過對銀行保險出單流程再造之個案研究，導引出金控組織下銀行保險網絡成員尤應利用既有資源協力建構順暢之流程系統，加速承保出單流程之推進，俾以便捷之優質服務為客戶創造高於傳統行銷之價值；各成員間務須跨越企業界線，將自身流程向外延伸，透過高效率電子連結降低出單作業時程，將原本著重功能導向結構轉換以流程驅動，以滿足客戶及時需求與預期。上述研究成果當可供金控組織下經營銀行保險業務成員出單流程再造之最佳參考模式。

Recently since the financial institutions, such as the insurers and the banks, have been facing the great competition among the business activities and the marketing channels gradually diversified, the insurers would like to sell the products through the bank s which own so many branches to significantly increase their production and market share. Also the banks, in cooperation with the insurers, get commission so much. Bancassurance hence becomes increasing important. But this system whose sale is separated from production also results in the operations more complicated than before. To integrate the internet among the bank, the insurance company, and the other partners to develop one stop shopping, which can meet customers’ variable requirements and reinforce to them the competitive advantage, the insurer in Taiwan has been joining the financial holding company or seeking for strategic cooperation to reduce operational cost and enhance performance, which has been developing for a long time. My thesis, by making a case study of restructuring bancassurance procedures for issuing a policy, hence introduces the viewpoint that all the financial holding member companies shall use the existing resources to cooperatively set up smooth procedures and operating systems to accelerate the procedures for issuing a policy to create customer value higher than before by speedy good service. And each member shall extend its own procedures to the other ones and by electronic links with each other decrease the workload to live up to the customers’ expectations. The said research conclusion may be therefore provided for reference when the member company under financial holding developing bancassurance restructures the procedures for issuing a policy.

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