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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/32369

    Title: 我國住宅地震保險危險承擔機制限額之研究
    Other Titles: A study of risk assumption mechanism limitation for Taiwan residential earthquake insurance
    Authors: 徐淑惠;Hsu, Shu-hui
    Contributors: 淡江大學保險學系保險經營碩士在職專班
    廖述源;Liao, Shuh-yuan
    Keywords: 台灣住宅地震保險;危險承擔機制限額;Taiwan Residential Earthquake Insurance;Risk Assumption Mechanism Limitation
    Date: 2007
    Issue Date: 2010-01-11 02:02:29 (UTC+8)
    Abstract: 台灣住宅地震保險制度自2002年4月1日實施以來,隨著近年投保率不斷提升、政治經濟環境轉變、天災事故不斷與民眾需求增加,使我國住宅地震保險制度面臨更多轉變,又因本保險危險承擔機制限額設定攸關全體被保險人之權益,且與地震發生後本危險承擔機制能否順利運作息息相關,因此台灣住宅地震保險危險承擔機制限額之設定亦應隨之調整與修正。
    Taiwan Residential Earthquake Insurance Program (TREIP) has been carried out since April 1, 2002. Due to the continous increase of takeup rate, the transition of political and economical situations, numourous natural catastrophe events and more and more requests by the public in recent years, Taiwan Residential Earthquake Insurance Program has been facing more changes and challenges. As the Risk Assumption Mechanism Limitation for Taiwan Residential Earthquake Insurance affects the insured’s interests and benefits and influences the entire program’s operating results, the setup of the limitation should be reviewed and modified based on the above changes.
    There are plenty facters to influence the setup of Risk Assumption Mechanism Limitation for Taiwan Residential Earthquake Insurance: such as the strategic aspect of insurance coverage and claim criteria; the ecomonical aspect of the business growth tendency; the financial aspect of the cash flow and funds raise; the technical aspect of risk model analysis and the managerial aspect of risk transfer methods. In addition, some advanced countries’ earthquake insurance mechanisms are taken into account for comparision with Taiwanese mechanism in order to evaluate the present limitation and project the modified limitation for Taiwan Residential Earthquake Insurance Risk Assumption Mechanism.
    The aforesaid limitation influences the insured’s rights and interests a lot, therefore, not only the limitation should be reviewed periodically and revised at the proper time, but also several issues concerning the limitation ought to be noticed and solved by the insured, the insurers and the authories. By way of our endeavors, we hope the limitation of Taiwan Residential Earthquake Insurance Risk Assumption Mechanism becomes more adequate and feasible and then it makes Taiwanes people’s properties more secured.
    Appears in Collections:[保險學系暨研究所] 學位論文

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