查詢結果分析
來源資料
頁籤選單縮合
題 名 | 臺灣地區商業火災保險核保人員因應費率自由化之研究=The Study of Commercial Fire Insurance Underwriters' Response to Rate Deregulation in Taiwan |
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作 者 | 劉政明; 陳崇睿; | 書刊名 | 核保學報 |
卷 期 | 21 2014.03[民103.03] |
頁 次 | 頁204_1+205-240 |
分類號 | 563.7 |
關鍵詞 | 費率自由化; 商業火災保險; 核保政策; 核保作業; Rate deregulation; Commercial fire insurance; Underwriting policies; Underwriting process; |
語 文 | 中文(Chinese) |
中文摘要 | 台灣區商業火災保險核保人員因應費率自由化商業火災核保人員不同屬性變項在核保作業過程、核保政策制訂及市場結構認知,是否有顯著差異性存在本文以財產保險業者位於台灣北、中、南、東部等七地區之商業火災保險核保人員進行問卷調查並將資料以統計方法作進一步分析。 研究結果發現:一、核保作業面,以「擁有業務品質選擇之能力,藉以創造核保利潤」影響最大,而「核保人員以績效評量、評鑑核保人員良窳」影響最小。二、核保作業面,以服務年資「 3年至 5年以下」的群體有明顯差異。三、核保政策面,以「核保準則規範不同單位及職位,授與不同核保權限」影響最大,「風險管理及損害防阻報告,無須提供消費者建議」影響最小,核保人員不同屬性變項則無明顯差異。四、市場結構認知面以「商業火災保險市場面臨割喉性的競爭」認同程度最高,「商業火災保險市場有顯著核保循環現象」認同程度最低,而核保人員不同屬性變項無明顯差異。 |
英文摘要 | With an overview of Rate Deregulation Plan has put into practice, the non-life insurers have to work out a set of comprehensive measures in preparation for a completely competitive market, trying all their efforts to modify their business-running strategy. This research mainly studies the relevant measures in relation to the rate deregulation the underwriters of non-life insurance companies have conducted. The method to carry out this study was using a survey, it collected relevant data through the means of questionnaire where 160 copies were issued in total with 131 effective receipt copies. The participations in this study were among the regions of Taiwan. Participants completed a questionnaire that includes reliability analysis scale, factor analysis scale, correlation analysis scale, descriptive statistics analysis scale, independent sample T test and one-way ANOVA analysis through the whole data processing. This study investigates fire risk perception coming from the commercial fire underwriters, four findings are as follows: 1.The results revealed that dimensions affect fire risk perception arising from fire underwriters in the aspect of underwriting process. A process of risk selection to determine an acceptable level of risk and the overall underwriting profits rise has a stronger influence, not its operating performance. 2.Comparison of the variables of underwriters, the obvious difference exists those with work experience from 3-5 years. 3.Other aspects of underwriting strategy show obvious influence upon ensuring existence of delegation of authority per each level in the hierarchy of underwriting. On the one hand, information of risk survey includes risk management, loss prevention and risk recommendation is not necessary required. However there was no significant relationship in underwriters’ attributes. 4.The further image of market structure, this research discussed an ups and downs of the insurance cycle. Completion can result in a downturn in the cycle, as pressure is placed on insurers to drop premiums to win business. More intense competition leads to larger rate reductions is mostly recognized. However there was no significant relationship in underwriters’ attributes. |
本系統中英文摘要資訊取自各篇刊載內容。