| Summary: | 碩士 === 實踐大學 === 財務金融學系碩士班 === 106 === Taiwan has become an aging society in the Republic of China in 1982, and the Ministry of the Interior is expected to enter the advanced society this year. Although it has not reached the age-old society where the population over 65 years old accounts for 14% of the total population, the population over 65 years old accounts for 13.49%, indicating that it is about to enter the threshold of a senior society. The crisis of Taiwan's declining birth rate continues to prolong. According to the definition of the United Nations WHO, the proportion of the population over the age of 65 is 7%, 14% and 20%, which are called the aging society, the old society and the super senior society. Taiwan has entered the advanced society for about 25 years from an aging society. Compared with 115 years in France, 72 years in the United States, and 47 years in the United Kingdom, Taiwan’s population is ageing at a very high rate.
Many countries have long started to develop insurance models such as P2P. In the case of rapid development, Taiwan will develop a business model of P2P insurance in the future. At present, the number of pets in Taiwan’s society continues to increase, and cats and dogs have been taken care of as family members. It is very commonplace, but traditional product insurance companies have not proposed better insurance products for the current situation of society. Therefore, the government and insurance companies should think about how to develop the business model of P2P insurance to provide to consumers.
According to the data of the respondents, “there is no understanding of the business model of external investors”, so it is recommended that Taiwanese product insurance companies can find foreign P2P insurance operation models and have funds operated by external investors. Pool type, through the combination of funds pool and P2P insurance operation mode to create a blue ocean market, and through the design of goods to achieve a win-win situation between the insurance companies and consumers, can also promote the P2P insurance business model to increase the willingness to purchase and accept To make the P2P insurance operation model widely available to the public to solve the special interests of the small-scale risk content through the pool of funds to obtain the common interests of the product insurance company and consumers.
Keywords: pet insurance, property insurance company, insurance business model, P2P mutual insurance
Keywords: pet insurance, property insurance company, insurance business model, P2P mutual insurance
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