建構產險公司業務品質管理系統之研究

淡江大學機構典藏 > 商管學院 > 管理科學學系暨研究所 > 學位論文 > Item 987654321/110970

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题名:	建構產險公司業務品質管理系統之研究
其它题名:	The research of constructing the business quality management system of the property-liability insurance company
作者:	許銘元;Hsu, Ming-Yuan
贡献者:	淡江大學管理科學學系博士班李旭華;Lee, Hsu-Hua
关键词:	結構方程模型;逆選擇;事前道德風險;品質管理;Structural equation model;Adverse Selection;Ex-ante moral hazard;Quality Management
日期:	2016
上传时间:	2017-08-24 23:40:38 (UTC+8)
摘要:	本論文主要在探討產險公司如何建立一個有效且完整的品質管理系統。以結構方程發展出核保及費率制定的核心變數並分別驗證汽車車體損失險及團體傷害保險兩個屬性不同的險種。就汽車車體損失保險而言，驗證結果得知，核保因素之未婚者、地區仍存在逆選擇的現象。未有充分證據顯示事前道德風險的存在。就團體傷害保險而言，費率因素中之團體人數對於實支實付平均保額及住院日額平均保額仍存在逆選擇的現象。住院日額平均保額對於損失率存在事前道德風險的現象。 This dissertation explores the development of an effective and complete quality management system by insurance companies. Using structural equation model to develop the core variables of underwriting and ratemaking. To verify these assumptions, this study examines auto physical damage insurance and group injury insurance, which are two different policies with varying features. In the case of auto physical damage insurance, the risk factors are claims, human, auto, road environment, and place factors. The results indicate that the variables in underwriting factors such as single, region imply the existence of adverse selection. There is no significant evidence to imply the presence of ex-ante moral hazard. For group injury insurance, the risk factors are underwriting, rates, and business factors. The number of groups in the rates of factors support for insured amounts for daily hospitalization indemnity indicate the presence of ex-ante moral hazard.
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