會計paper怎么寫：Australian Mutual Provident Society Scandal Impact
本文是會計專業的paper范例，題目是“Australian Mutual Provident Society Scandal Impact（澳大利亞公積金協會丑聞影響）”，2018年4月曝光的AMP Life丑聞最終導致AMP有限公司的全面危機，該公司是被英國皇家銀行委員會調查的保險業巨頭。檢查發現了一些系統問題，但在本文中，我的分析將集中在不收取服務費的丑聞:“AMP的流程，一旦通知成員死亡，就停止收取保費”(皇家銀行委員會2019年)。
The AMP Life scandal, revealed in April 2018, eventually led to the full-blown crisis of the AMP Limited Corporation, which was a giant brand of the insurance industry investigated by Banking Royal Commission. The examination identified a number of system issues, however in this paper, my analysis will concentrate on the fee-for-no-service scandal: “AMP’s processes for ceasing to charge premiums once notified of a member’s death” (Banking Royal Commission 2019).
The Australian Mutual Provident Society or AMP was founded in 1849 as a mutual society and non-profit insurance company. In 1998, it was reestablished as public company named AMP Limited. Now, AMP is a big property management corporation providing financial services such as insurance, superannuation, home loans, savings accounts and financial consultation to more than 4,000,000 customers, mostly in Australia and New Zealand. With the value of total assets is 115.8 billion USD and 15% value comes from investing in insurance, AMP became one of the largest insurers in Australia (Forbes Magazines 2018).
澳大利亞互助儲蓄協會(AMP)成立于1849年，是一家互助社會和非盈利保險公司。1998年，公司重新成立為上市公司，命名為AMP有限公司。目前，AMP是一家大型的物業管理公司，為400多萬客戶提供保險、退休金、住房貸款、儲蓄賬戶和金融咨詢等金融服務，其中大部分客戶在澳大利亞和新西蘭。AMP的總資產價值為1158億美元，15%的價值來自保險投資，成為澳大利亞最大的保險公司之一(福布斯雜志2018年)。
In April 2018, AMP Life was accused of charging dead superannuation clients for life insurance contract, despite knowing these customers were not available to insure. After five months of investigation, Banking Royal Commission announced that 4,645 AMP Life clients were affected by this problem, with $1,300,000 in premium repayments owing (Banking Royal Commission 2019). This scandal was the long period financial crisis for the Australia oldest life insurance company and the owner of the country’s biggest financial consulting corporation. Additionally, AMP’s symbolic brand reputation was flexible in the face of the proof of morality in business failures of the top leaders in this firm. In order to acquire comprehension about AMP scandal, the marketing system of life insurance will be examined from three elements: exchange logics, flows and organizing principles. I also recommend two solutions that the insurer can come back and prevent future crisis from occurring in the first place.
Firstly, according to Canberra Times (2018): ‘” Life had made criminal breaches of section 12d(b) of the ASIC Act and civil breaches of the Corporations Act and the ASIC Act for running incorrect and misleading advertising for trauma policies, in relation to cover for heart attacks”. After covering the public by advertisement about outdated medical definitions, AMP Life delayed informing Securities and Investments Commission about their customers who were dead within 10 days to not stop deducting additional charges from dead members’ history transaction. Essentially, AMP Life tried to confuse their clients who were lacked of knowledge about insurance product and policy in order to make profit. Following marketing system theory point of view, the company made a lot of mistakes about exchange logic function contains the legality as well as honesty in business.
首先，根據《堪培拉時報》(2018)的報道:“《生命》違反了《ASIC法》第12d(b)條的刑事規定，違反了《公司法》和《ASIC法》的民事規定，因為它為創傷政策發布了不正確和誤導性的廣告，涉及心臟病發作。”在通過廣告宣傳過時的醫療定義后，AMP Life推遲向美國證券與投資委員會(Securities and Investments Commission，簡稱sec)通報10天內去世的客戶，要求其繼續從去世會員的歷史交易中扣除額外費用。本質上，安盛人壽試圖迷惑那些缺乏保險產品和政策知識的客戶，以獲取利潤。按照市場系統論的觀點，公司在交換邏輯功能上存在著許多錯誤，包括合法性與誠信。
The weakness of risk management and internal information flow is the second factor that led AMP Life to this business scandal (Australia Financial Review 2018). According Banking Royal Commission report, some AMP officers formally recognized this problem in 2016 after receiving feedback from the dead client’s family. They had strong evidence to demonstrate the error, but their managers did no obvious action to handle it until 2018. It has totally decreased the reputation of AMP Life managers not only with the public but also the company’s employees. As the consequence, the Head Director of this wealth management firm has been dismissed in January 2019 and AMP has kept going on the reconstruction era of its top leaders.
風險管理和內部信息流的薄弱是導致AMP Life陷入這一商業丑聞的第二個因素(澳大利亞金融評論2018)。根據皇家銀行委員會(Banking Royal Commission)的報告，在2016年收到已故客戶家屬的反饋后，一些安保官員正式認識到這一問題。他們有強有力的證據證明這一錯誤，但他們的經理直到2018年才采取明顯的行動來處理這一問題。它完全降低了AMP人壽保險經理的聲譽，不僅在公眾中，而且在公司員工中。因此，該財富管理公司的首席董事已于2019年1月被解雇，AMP一直在繼續其高層領導人的重建時代。
Company reputation and brand loyalty are necessary to a successful business for long-term, specified in insurance industry. However, AMP Life made a serious mistake while misleading the corporate regulator and the public. As a part of the Marketing system, this firm had trouble with organizing principle sector. AMP’s legal issues with Australia Securities and Investments Commission were centered on two specific issues: “The first is its deliberate attempt to mislead ASIC on at least 20 separate occasions over the charging fees of dead clients. And the second relates to a supposedly independent report AMP offered up to the regulator that went through 25 different versions, with changes suggested by AMP” (Banking Royal Commission 2019). After this fee-for-no-service scandal, the company may avoid recommending illegal responsibility, but the social license to operate which was released by local community trust and partners of organization network will no longer exist.
公司聲譽和品牌忠誠度是長期成功業務的必要條件，這在保險行業是明確的。然而，安盛人壽犯了一個嚴重的錯誤，誤導了公司監管機構和公眾。作為市場營銷系統的一部分，該公司在組織原則部門方面遇到了困難。AMP與澳大利亞證券和投資委員會(australian Securities and Investments Commission)的法律糾紛集中在兩個具體問題上:“第一個問題是，它在已故客戶的收費問題上，至少在20個不同場合蓄意誤導ASIC。第二個與AMP向監管機構提供的一份本應獨立的報告有關，該報告經過了25個不同版本，并由AMP建議進行了修改”(皇家銀行委員會2019年)。在這次“不收服務費”丑聞后，公司可能會避免推薦違法責任，但當地社區信托和組織網絡的合作伙伴發放的社會經營許可證將不復存在。
The greatest danger for insurance brand’s reputation is not fulfill the commitment to all stakeholders. For this reason, in order to improve AMP Life situation and avoid being included in future crisis, multiplicity of strong actions must be taken. People analyzed a lot about this scandal before, and now they are waiting for new AMP leaders to take responsibility, be both truthful and sensitive. Instead of the previous responses is all about denying mistake and hiding everything, AMP Life must be transparent in how to support the investigation so that to improve the credit with Australia regulators as well as the public.
對保險品牌聲譽最大的威脅是不能履行對所有利益相關者的承諾。因此，為了改善安培生命狀況，避免被卷入未來的危機，必須采取多種強有力的行動。人們之前對這個丑聞做了很多分析，現在他們正在等待新的AMP領導人承擔責任，既誠實又敏感。AMP Life必須在如何支持調查方面做到透明，以改善與澳大利亞監管機構和公眾的信用，而不是像以往那樣一味否認錯誤、隱瞞一切。
On the same hand, the insurance managers need to recognize the valuable complaints from both customers and employees. People who try to express displeasure with problem are very loyal, and that complaints give AMP a new point of view, also an opportunity to pay attention to system issues. As a piece of marketing system theory, the connection between R&D insurance business and market feedback is very powerful. Moreover, complaints should be observed as a principal signal of potential opportunity to improve the relationship with clients. In order to guarantee that happens, AMP should build a multi-channel access to manage the increasing in all types of complaint, ensuring that all feedback are acquired and distributed with smoothly to provide the suitable service.
與此同時，保險經理需要認識到客戶和員工有價值的投訴。那些試圖表達對問題的不滿的人是非常忠誠的，而這些抱怨給了AMP一個新的觀點，也給了AMP一個關注系統問題的機會。R&D保險業務作為一種營銷系統理論，與市場反饋的聯系是非常強大的。此外，應將投訴視為改善與客戶關系的潛在機會的主要信號。為了保證這種情況的發生，AMP應該建立一個多通道的訪問，以管理各種類型投訴的增加，確保所有的反饋都被順利地獲取和分發，以提供適當的服務。
In summary, the analysis of the AMP fee-for-no-service scandal from marketing system’s theory allow people to overview the background of insurance firm crisis and understand what problem in a giant corporation. It’s not the first time AMP has found itself involved in trouble, therefore they can learn the lesson from 2006 crisis to overcome this scandal.
綜上所述，從營銷系統理論的角度對AMP無服務收費丑聞進行分析，可以讓人們對保險公司危機的背景進行梳理，了解一個巨型公司存在的問題。這不是AMP第一次陷入麻煩，因此他們可以從2006年的危機中吸取教訓來克服這一丑聞。
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