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題名 | 木質結構住宅火災保險障礙因子分析之研究=Study of Factors Obstructing Fire Insurance for Wooden Residential Structures |
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作者 | 林麗英; 蔡明哲; 王松永; Lin, Li-ying; Tsai, Ming-jer; Wang, Song-yung; |
期刊 | 林產工業 |
出版日期 | 20020600 |
卷期 | 21:2 2002.06[民91.06] |
頁次 | 頁77-89 |
分類號 | 563.75 |
語文 | chi |
關鍵詞 | 木質構造建築物; 火災保險; Wooden structure building; Fire insurance; |
中文摘要 | 本研究之目的希望能克服木質構造建築物產物保險公司住宅火災保險障礙,推廣木質構造建築物之興建,提高國內木質構造建築物市場佔有率。研究方法是調查國內木質構造建築物住宅火災保險實際辦理情形,以究明木質構造建築物與其他各種建材不動產住宅火災保險辦理情形之異同,同時針對產險業者對木質構造建築物之看法、承保誘因,作次數分析、卡方獨立性檢定、因素分析及相關分析等統計分析。研究調查發現,超過4成產物保險公司認為木質構造建築物屬易燃建築而拒絕承保住宅火災保險。以木質構造建築物向產物保險公司要保,保險金額年限多受限制,2成產物保險公司限制木質構造建築物辦理住宅火災保險每建坪以0.5萬元計算保險金額,約4成產物保險公司限制木質構造建築物住宅火災保險總保臉金額不得逾100萬元。研究結果發現,產險業者對木質構造建築物多採負面看法,且看法分歧。利用因素分析方法,進行承保木質構造建築物住宅火災保險考量因子之萃取,得到「優惠貸款及租稅方面經濟誘因」、「負面看法因素」、「提高保費及降低理賠等承保誘因」、「正面看法因素」、「易燃易腐觀念因素」及「安全性誘因」等六個共同因素,總解釋變異量達68.6%。實際承保與否,與產險業者對木質構造建築物之看法,經卡方獨立性檢定並未達顯著差異,而與產險核保主管之性別達顯著差異。 |
英文摘要 | The main purpose of this study was to search for ways to overcome some problems in the providing of fire insurance. We hope that this would be helpful to popularize wooden structure building, and increase the market value of wooden structures. The method used was to investigate the domestic fire insurance process for all kinds of building, and to analyze the opinions, insuring inducement of insurance companies to provide fire insurance by using frequency analysis, Chi-square test, factor analysis, and correlation analysis. The conclusions were as follows: more than 40% of fire insurance companies refused to insure wooden structures because they thought they were fire risks. If wooden structures were accepted to be insured, insurants were then faced with a lower insured amount, shorter term insurance, and higher premiums. Twenty percent of the fire insurance companies calculated the insured amount of wooden structures at NT5,000 per ping. About 40% of the fire insurance companies restricted the insured amount to be no more than NT1,000,000. Fire insurance case reviewers' opinions about wooden structures were negative and variable. Analyzing the factors for fire insurance regarding wooden structures, we obtained six factors: "financing and taxing inducement factor", "negative opinion factor", "raise premium rate and reduced compensation factor", "positive opinion factor", "flammable, decaying opinion factor" and "safety factor". The six factors explained 68.6% of the variance. Fire insurance case revlewers, opinions about wooden structures did not significantly influence the acceptance of insurance, but the factor of "sex of the case reviewers", is statistically significant. |
本系統之摘要資訊系依該期刊論文摘要之資訊為主。