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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/105196

    Title: 汽車選擇對車體損失險風險的影響
    Other Titles: The impact of automobile choice on the risk of automobile physical damage insurance
    Authors: 陳毓雯;Chen, Yu-Wen
    Contributors: 淡江大學保險學系保險經營碩士班
    Keywords: 風險分類;汽車配備;車體損失險;Risk Classification;car equipment;automobile physical damage insurance
    Date: 2015
    Issue Date: 2016-01-22 14:50:06 (UTC+8)
    Abstract: 本文針對被保險人之汽車車型及配備選擇與風險間之關係進行探討,分別以羅吉斯迴歸、負二項迴歸及簡單迴歸分析損失機率、損失頻率及損失嚴重程度。除了使用保險公司現行的核保因子之外,也加入被保險人居住區域及婚姻狀況等因子。
    The study discusses the impact of automobile choice (car type and equipment) on the risk of automobile physical damage insurance. We use logistic regression, negative binomial regression and simple regression to analyze loss probabilities, loss frequencies and loss severities. Expect for using risk factors which insurance companies using now, we add living and marriage factors to analyze.

    The study shows that the risk degree of Recreational Vehicle (RV) is lower than other car type, but the sport utility vehicle (SUV) is higher than others. In addition, about car equipment, we analyze the relationship between airbag, braking system and parking assist system and loss. For loss probabilities and loss frequencies, the car equipped braking systems are safer. But for loss severities, the risk degree of car equipped more airbags and braking systems are higher than other car. Expect for car structure, the psychological factors of insured plays an important role in the influence of risk degree of automobile physical damage insurance, so the study makes suggestions on insurance company to aware of these factor when calculate premium.
    Appears in Collections:[保險學系暨研究所] 學位論文

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