. 1...,,,. 19983% 2003 2,090 2003 ( ) 27%. 50% 1/ 4..,,,,,,.. - 24 -
. 1) G enerallife 17) 1995 (virtu al insurance company).,,. 8:2 2:8, 142 5.,, General Am erican Life. GeneralLifeIllinois CaliforniaTexas, Indiana.,. 50,,,., 10%. 2) (Lib erty Financial) 1995 1 17) http :/ / www.generallife.com. - 25 -
Indep endence Life and Annuity. w ebsaver (SPDA ; single premium defferred annuity). 18), 45. 5 80 1,000 100. E-Mail (annuity kit),. 3) (insurance m all), (cyber m all). Intuit InsureMarket. USA Today, Yahoo, Altavista.. 35%, 28%, 18%, 5% 14%, 62%, 38%. 18) http :/ / www.websaver.com/. - 26 -
. < 12 >,,, : 57, 8. :,, 1998.10, p. 68. InsWeb 19), InsWeb. 1995, 1995. Yahoo, Stoneage, TheGlobe. InsWeb,,,,,. 99 7AIG, CN A, H artford Life, Reliance N ational, Insu redirect, Lincoln Benefit, State Farm 35. 19) http :/ / www.insweb.com/. - 27 -
Insurem ark et Insuremarket,,,. 4),,,.,..,,,....,,. - 28 -
..... 2Allstate Corp. 2000. 1 State Farm Mutual Automobile, InsWeb. ECoverage Esurance Inc.... e-. Allstate - 29 -
Corp 2%. 2..,,.., TM, e-business. e-bu siness.. - 30 -
< 13> :, - : www.korealife.com - - : www.neolife.co.kr -,, - : www.dream4you.co.kr -,, - : www.insumall.co.kr - 200 : Lycos - IR(Investor Relations) -,,, - DB.,.,..,. m obile office system,.,. - 31 -
.,.,..., one-stop shopping.. < 14 > LG :, - www.insuw orld.co.kr : - - -,, PC, - :, - www.lginsure.com : 1999 8 2 -,,, 1999 8 2 -,,, - www.kyobo.co.kr : -,,,, - :, - cyber (10.11) -,,,, - www.metlifekorea.co.kr -,,,, - 32 -
,.. < 15 > ING - www.samsunglife.co.kr -, - : 114(www.r114.co.kr) - : - FC, - -,, - www.myangel.co.kr - M ob ile Office (mobile office),.. o : (SEMS) - 24 -,,,, o : -,,,, o MOS(mobile office system) -,, PC, - 33 -
o LG -, - PCS,,.. < 16> (7 ) (2 ) (2 ),,,, * *, N * ) 1., 3 (*) 2.,.. o -, o (www.boheom.net) : - 34 -
o (www.insunet.co.kr) - -,, -. (2000.1.14 ),,,,,.. < 17> 10 7 13 3 2 ING, KOO'S - 35 -
< 18>, /,,,,, - 36 -
LG LG VIGILANT AIG : 2000 1Fax,. < 19>, LG,, E-,,,, -,,,,,,, ING,,,,,,,,,,,,, LG,,, - 37 -
3. 20)..... 1..,,.,.... 20) 5,,, 1998.12. - 38 -
.....,. < 3 > <> < > - - - - - - - - - - - - - : / - : - 39 -
( ).. (consum er rep orts)..,,. ()... ' ' (m ass-cu stomization)...,,,, TV. (IT-based) (digital product),., - 40 -
.. IT.,.,. (relationship marketing), (cu stom er equity). (customize).,., (p erceptu al m ap).. DB. DB (netw ork externality effect). 1 1. - 41 -
. (,, ). (),.,.,.,,...,,.,... (1) (vertical p ortal), - 42 -
(2) (sp ecialty m anufacturer), (3) (aggregator), (4) (comp any site).. Yahoo!, Exicte, MSN, AOL, Bank One, Citibank, Am erican Express, Chales Schw ab, Bank One. ().,., InsWeb......,,,. ( - 43 -
).. 21)..,...,,.. 1),, 21),, (2000.3.6) - 44 -
., (TM)58-71%. 22) DataMonitor (77)<(83)< (100).,,. 10.,,,.,, 200336 1.1%., 5 10%, 50%. 50% 23). 5 7%. 22),, p.82. 23), 2000.3.13. - 45 -
200024,. < 20 > 1994 1997 2000 2003 2006 (a) 119 0.0 0.0% 140 0.1 0.1% 164 0.6 0.4% 191 1.5 0.8% 224 2.5 1.1% (b) 76 0.0 0.0% 94 0.1 0.1% 116 0.8 0.7% 142 2.2 1.5% 173 3.8 2.2% (a+b) 196 0.0 0.0% 234 0.2 0.1% 280 1.4 0.5% 333 3.6 1.1% 397 6.3 1.6% : N ational Underwriter 2) 24) 1 3,304. 45.1% 7.4%, 7.0%, 2.4%., 24).. - 46 -
48.2%, 19.1%, 18.6%. < 4 > :, 1999. 12. 21.,, 8,844, 2%. 25), 3 25),, 98-19, 1998.10, p. 86. - 47 -
. (5 ),,,. (5 ),.,, TM (telephone marketing), CM/ TM.,, ( 200). 2000 3 10,,,., 3 T/ F CM. CM,,, - 48 -
,. - 49 -