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An Internet Experiment on Insurance Selling and the Innovation of Insurance Business Model

Research Project

Project/Area Number 15330087
Research Category

Grant-in-Aid for Scientific Research (B)

Allocation TypeSingle-year Grants
Section一般
Research Field Commerce
Research InstitutionHitotsubashi University

Principal Investigator

YONEYAMA Takau  Hitotsubashi University, Graduate School of Commerce and Management, Professor, 大学院・商学研究科, 教授 (00175019)

Co-Investigator(Kenkyū-buntansha) SHIMOWADA Isao  Teikyo University, Faculty of Economics, Professor, 経済学部, 教授 (10034860)
MATSUI Takeshi  Hitotsubashi University, Graduate School of Commerce and Management, Associate Professor, 大学院・商学研究科, 助教授 (70323912)
YASUDA Yutaka  Kyoto Sangyo University, Faculty of Science, Lecturer, 理学部, 講師 (30283899)
Project Period (FY) 2003 – 2005
Project Status Completed (Fiscal Year 2005)
Budget Amount *help
¥15,300,000 (Direct Cost: ¥15,300,000)
Fiscal Year 2005: ¥3,500,000 (Direct Cost: ¥3,500,000)
Fiscal Year 2004: ¥3,800,000 (Direct Cost: ¥3,800,000)
Fiscal Year 2003: ¥8,000,000 (Direct Cost: ¥8,000,000)
Keywordsbusiness model / insurance / internet selling / internet experiment / distribution system / selling channel / インターネット / 保険募集 / リスク細分化保険 / 医療保険
Research Abstract

Travel agencies and stockbrokers are rapidly changed their distribution channel in Japan. It is clear for us that internet popularization is the most important cause on such a radical change. Why insurance selling channel does change milder than such a business? A possible answer is that we fail to build the better insurance business model in the internet society. Another answer is that internet business model may be suffocated by insurance regulations and business culture. Which is the better explanation?
We tried to make an internet experiment on insurance selling, in order to know the reason why the internet selling was not so popular in insurance business. The fulfillment of the experiment was very difficult for us because it is the special product under regulation. After all we met with an insurance company's approval under the condition of partly changing our selling system. Our first system, which is treated all process from collecting to the completion of insurance policy, was c … More hanged into the system which covered the activities from collecting to inquiry to insurance agents. The change is unfortunately one of the most important factors which limited the number of access from prospective customers. But in the process of this experiment, we get the knowledge on the difficulties of the internet selling of insurance products, and build the learning base on internet selling. For the present, we get the conclusions as follows ;
First, if a company sells insurance in both agency channel and internet channel, the latter cannot exercise the advantage on cost structure. Second, the complexity of insurance products retards the development of internet selling. Although this is a point many researchers stated, we understand it more seriously. However, we have any possibilities on the less complex products, for example, the cheap medical insurance directed for women which we sold on our system. Eventually Insurance product is the bundle of information, so it might adjust to the world of bit. We should tell each activity among insurance process in the world of bit from it in the world of atom. If we could build the complete business model from collecting to the end of insurance policy by digitally processing, it was possible to change the cost structure of insurance distribution channel. Less

Report

(4 results)
  • 2005 Annual Research Report   Final Research Report Summary
  • 2004 Annual Research Report
  • 2003 Annual Research Report
  • Research Products

    (32 results)

All 2006 2005 2004 Other

All Journal Article (23 results) Book (3 results) Publications (6 results)

  • [Journal Article] Reconfigurable hardware based high speed traffic monitor. (Japanese)2006

    • Author(s)
      Yutaka Yasuda, Kenya Takashima
    • Journal Title

      The 68th National Convention of IPSJ

      Pages: 351-352

    • Description
      「研究成果報告書概要(欧文)」より
    • Related Report
      2005 Final Research Report Summary
  • [Journal Article] 保険学の将来と高等教育機関における保険教育の方向性:(財)生命保険文化センター助成プロジェクトの成果2005

    • Author(s)
      米山 高生
    • Journal Title

      生命保険論集 第153号

      Pages: 1-27

    • Description
      「研究成果報告書概要(和文)」より
    • Related Report
      2005 Annual Research Report 2005 Final Research Report Summary
  • [Journal Article] 保険民営化の意義-バイエルン保険公社グループのケースを中心に-2005

    • Author(s)
      下和田 功
    • Journal Title

      現代保険学の諸相(松島恵博士古稀記念論文集)(成文堂) (所収)

      Pages: 22-44

    • Description
      「研究成果報告書概要(和文)」より
    • Related Report
      2005 Final Research Report Summary
  • [Journal Article] リコンフィギャラブルプロセッサを用いたGigabit Ethernetモニタの開発2005

    • Author(s)
      安田 豊, 高島研也
    • Journal Title

      第68回情報処理学会全国大会講演論文集

      Pages: 351-352

    • NAID

      170000171685

    • Description
      「研究成果報告書概要(和文)」より
    • Related Report
      2005 Final Research Report Summary
  • [Journal Article] Unstructured P2P環境に適したデータ管理方式2005

    • Author(s)
      安田 豊
    • Journal Title

      マルチメディア通信と分散処理ワークショップ論文集

      Pages: 273-278

    • NAID

      170000074775

    • Description
      「研究成果報告書概要(和文)」より
    • Related Report
      2005 Final Research Report Summary
  • [Journal Article] General Remarks, The Development of Risk Management and Insurance and Its Impact on Traditional Teachings of Insurance in Japanese Universities : An Outcome of the JILI Project on How to Systemize Insurance Education and Studies.2005

    • Author(s)
      Takau Yoneyama
    • Journal Title

      JILI Journal No.153

      Pages: 1-27

    • Description
      「研究成果報告書概要(欧文)」より
    • Related Report
      2005 Final Research Report Summary
  • [Journal Article] The Idea of Privatization of Public Insurance : A Study Focused upon Versicherungskammer Bayen (VKB)(Japanese)2005

    • Author(s)
      Isao Shimowada
    • Journal Title

      In : Aspects of Modern Insurance Studies, Celebrating Papers on Dr.Kei Matsushima's seventieth year (Seibun-Do, Tokyo)

      Pages: 22-44

    • Description
      「研究成果報告書概要(欧文)」より
    • Related Report
      2005 Final Research Report Summary
  • [Journal Article] Unstructured P2P data storage structure. (Japanese)2005

    • Author(s)
      Yutaka Yasuda
    • Journal Title

      The 13th Workshop of IPSJ SIG-DPS

      Pages: 273-278

    • Description
      「研究成果報告書概要(欧文)」より
    • Related Report
      2005 Final Research Report Summary
  • [Journal Article] 相互会社をめぐる法的諸規定の再検討2005

    • Author(s)
      米山 高生
    • Journal Title

      松島先生古稀記念論文集(成文堂)

      Pages: 283-301

    • Related Report
      2005 Annual Research Report
  • [Journal Article] 保険・リスクマネジメント高等教育の現状と課題:欧米主要国および中国から日本へのメッセージ2005

    • Author(s)
      下和田 功
    • Journal Title

      生命保険論集 第153号

      Pages: 127-155

    • Related Report
      2005 Annual Research Report
  • [Journal Article] ドイツの高等教育レベルにおける保険・リスクマネジメント教育研究の動向2005

    • Author(s)
      下和田 功
    • Journal Title

      生命保険論集 第153号

      Pages: 171-195

    • Related Report
      2005 Annual Research Report
  • [Journal Article] Unstructured P2P環境に適したデータ管理方式2005

    • Author(s)
      安田 豊(共著)
    • Journal Title

      マルチメディア通信と分散処理ワークショップ論文集

      Pages: 273-278

    • NAID

      170000074775

    • Related Report
      2005 Annual Research Report
  • [Journal Article] P2Pファイル配布システムにおけるピア欠損修復アルゴリズムに関する検証2005

    • Author(s)
      安田 豊(共著)
    • Journal Title

      第二回システム検証の科学技術シンポジウム予稿集

      Pages: 182-195

    • Related Report
      2005 Annual Research Report
  • [Journal Article] 『癒し』ブームにおける企業の模倣行動:制度化プロセスとしてのブーム2005

    • Author(s)
      松井 剛
    • Journal Title

      流通研究 7巻1号

      Pages: 1-14

    • NAID

      130001844436

    • Related Report
      2004 Annual Research Report
  • [Journal Article] Japanese Corporate Governance in the Major Life Assurance Companies : a Historical Perspective2004

    • Author(s)
      Takau Yoneyama
    • Journal Title

      The Development of Corporate Governance in Japan and Britain (Robert Fizgerald, Etsuo Abe (eds.))

      Pages: 108-123

    • Description
      「研究成果報告書概要(和文)」より
    • Related Report
      2005 Final Research Report Summary
  • [Journal Article] 消費社会批判の4類型2004

    • Author(s)
      松井 剛
    • Journal Title

      商学研究 45号

      Pages: 171-196

    • NAID

      110007623659

    • Description
      「研究成果報告書概要(和文)」より
    • Related Report
      2005 Final Research Report Summary
  • [Journal Article] Japanese Corporate Governance in the Major Life Assurance Companies : a Historical Perspective.2004

    • Author(s)
      Takau Yoneyama
    • Journal Title

      The Development of Corporate Governance in Japan and Britain, Ashgate (In : Robert Fizgerald, Etsuo Abe (eds.))

      Pages: 108-123

    • Description
      「研究成果報告書概要(欧文)」より
    • Related Report
      2005 Final Research Report Summary
  • [Journal Article] Four Types of Criticism on Consumer Society. (Japanese)2004

    • Author(s)
      Takeshi Matsui
    • Journal Title

      Shogaku-Kenkyu (Commerce and Management), Hitotsubashi University Research Series No.45

      Pages: 171-196

    • Description
      「研究成果報告書概要(欧文)」より
    • Related Report
      2005 Final Research Report Summary
  • [Journal Article] Japanese Corporate Governance in the Major Life Assurance Companies : a Historical Perspective2004

    • Author(s)
      Takau Yoneyama
    • Journal Title

      Robert Fitzgerald and Etsuo Abe (eds.), The Development of Corporate Governance in Japan and Britain. Asheate

      Pages: 108-123

    • Related Report
      2004 Annual Research Report
  • [Journal Article] フランソワ・エワルドによるパラダイム論と無過失責任論2004

    • Author(s)
      米山高生
    • Journal Title

      損害保険研究 65巻・3,4合併号

      Pages: 309-337

    • Related Report
      2004 Annual Research Report
  • [Journal Article] Optimal Choice of Catastrophe Loss Financing Through Securitization for Japanese P/C insurers2004

    • Author(s)
      Suzawa, Yoshihiko, Takau Yoneyama
    • Journal Title

      Hitotsubashi Journal of Commerce and Management 39号

      Pages: 1-15

    • Related Report
      2004 Annual Research Report
  • [Journal Article] 計画行政とリスク・マネジメンド-財務リスク・マネジメントに対する組織対応2004

    • Author(s)
      米山高生
    • Journal Title

      計画行政 27巻・3号

      Pages: 37-46

    • Related Report
      2004 Annual Research Report
  • [Journal Article] 象徴的消費における主体的行為能力と構造2004

    • Author(s)
      松井 剛
    • Journal Title

      マーケテイングジャーナル 94巻

      Pages: 59-68

    • NAID

      40006541085

    • Related Report
      2004 Annual Research Report
  • [Book] 保険とリスクマネジメント2005

    • Author(s)
      ハリントン・ニーハウス著, 米山高生, 箸方幹逸監訳
    • Total Pages
      732
    • Publisher
      東洋経済新報社
    • Related Report
      2005 Annual Research Report
  • [Book] はじめて学ぶリスクと保険2004

    • Author(s)
      下和田功(編), 米山高生(共著)
    • Total Pages
      376
    • Publisher
      有斐閣
    • Description
      「研究成果報告書概要(和文)」より
    • Related Report
      2005 Final Research Report Summary
  • [Book] 有斐閣2004

    • Author(s)
      下和田 功 (編著)
    • Total Pages
      376
    • Publisher
      はじめて学ぶリスクと保険
    • Related Report
      2004 Annual Research Report
  • [Publications] 米山高生: "ネットワーク技術の普及と保険ビジネスモデル"保険学雑誌. 581号. 1-12 (2003)

    • Related Report
      2003 Annual Research Report
  • [Publications] 米山高生: "フランソワ・エクルドによるパラダイム論と無過失責任論"損害保険研究. 65巻・3-4号. 309-337 (2004)

    • Related Report
      2003 Annual Research Report
  • [Publications] 安田豊: "課題提出システムを通してみた教育支援システムの普及とその傾向"情報処理研究集会講演論文集. 469-473 (2003)

    • Related Report
      2003 Annual Research Report
  • [Publications] 安田豊: "ネットワーク技術の普及による費用配分の変化"保険学雑誌. 581号. 13-25 (2003)

    • Related Report
      2003 Annual Research Report
  • [Publications] 松井剛: "なぜ人は消費するのか:他者という視点"一橋論叢. 129巻4号. 17-32 (2003)

    • Related Report
      2003 Annual Research Report
  • [Publications] 松井剛: "消費主義の制度化プロセスとしての消費社会"一橋論叢. 129巻5号. 89-105 (2003)

    • Related Report
      2003 Annual Research Report

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Published: 2003-04-01   Modified: 2016-04-21  

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