梯級費率制之研究

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Title:	梯級費率制之研究
Other Titles:	A study of sliding scale plan on non-life insurance
Authors:	陳惠隆;Chen, Hui-lung
Contributors:	淡江大學保險學系保險經營碩士班廖述源;Liao, Shuh-yuan
Keywords:	梯級費率制;大額減費;優待係數;折扣級距;Sliding Scale;Large reduces expense;Favored coefficient;Discount level
Date:	2008
Issue Date:	2010-01-11 01:55:50 (UTC+8)
Abstract:	由於現今企業經營規模急遽擴充，以及保險業邁入國際化、自由化之影響，保險金額及種類之需求日趨龐大，以往規章費率勢必無法因應，而保險費率高低攸關保險業業務之推展，且保費優待策略成為保險業對消費者投保行為之主要誘因，梯級費率制不但具有多項優待折扣功能且能配合費率自由化之實施。保險業如何訂出最佳優惠之費率吸引被保險人投保，藉以拓展保險業提高市占率，同時又能維持保險業穩定之經營，不損及保險業應有清償之能力，其值得本研究深入檢討與分析。本文以文獻歸納為主，藉由梯級費率制之意義、理論基礎、應用目的、及費率設定方式、考量因素等作論述；其次，針對目前運用情形，及現況不妥之地方，提出改善之可行性；最後，就國外先進國家梯級費率制加以論述比較，作為我國梯級費率制之參考，盼能達成產險業良性競爭及保障社會大眾之權益。 The rapid expansion of the current insurance management sector, as well as its transformation toward globalization and deregulation, have led to higher demand for various insurance premium and product types. The manual rate used nowadays is no longer suitable to cope with such change. However, the level of insurance premium rate is highly associated with the expansion of insurance business, and the insurance preferential strategies have become the underlying incentive for consumer to insure. The sliding scale not only possesses the benefits for many preferential discount functions, but also coordinates with the implementation of insurance rate liberalization. How would the insurance sector make up their best preferential ratings in order to attract consumers so as to enhance the insurance occupancy rate, stabilize business management, and do no harm to insurance insolvency ability. The topic is worth to research and analyze thoroughly. The main technique used in this research paper is the literature induction technique. By analyzing the underlying meaning of sliding rate, its fundamental theoretical base, the purpose of usage, the ways and elements determining ratio setting, the essence is elaborated and presented in the thesis paper. Next, the feasibility and improvement of the current utilization and improper aspects are proposed; Finally, the sliding rate of developed countries are brought into comparison and are discussed in the hopes of achieving a fair competition among property insurance companies in Taiwan in terms of protecting social rights and welfares.
Appears in Collections:	[Graduate Institute & Department of Insurance Insurance] Thesis

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