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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/51752

    Title: 風險分類不完全下的交叉補貼效果 : 以性別變數為例
    Other Titles: The cross-subsidization from imperfect risk-classification : imperfectly risk classification of gender
    Authors: 謝淑榕;Shie, Shu-rong
    Contributors: 淡江大學保險學系保險經營碩士班
    汪琪玲;Wang, Kili C.
    Keywords: 風險分類;逆選擇;交叉補貼;損失幅度;Risk Classification;Adverse Selection;Cross Subsidization;Loss Severity
    Date: 2010
    Issue Date: 2010-09-23 15:59:57 (UTC+8)
    Abstract: 根據交通部統計處報告,顯示家中僅有一輛車者通常由男性使用;汽車保險自用汽車條款中,被保險人範圍包含甚廣;保發中心統計資料呈現出, 25歲以上之已婚女性,相較未婚女性,有較高的出險次數及賠款金額。在此背景下,不免令人聯想,台灣「保單被保險人為女性,但實際駕駛為男性」的現象,似乎普遍存在。故本文透過實證研究來驗證,保險公司面臨無法觀察車主與駕駛者不一致之隱藏訊息而帶來風險分類不完全問題,所造成的交叉補貼效果。
    It is the fact that the insureds of automobile insurance are different from real drivers in Taiwan. In intuition, female and the married were less involved in an accident. However, the Taiwan Insurance Institute shows, over the age of 25 married women who have a higher percentage of loss frequency and severity compared with unmarried women. In addition, the Ministry of Transportation and Communications Department of Statistics indicates that only a vehicle is used usually by the male in the family. Thus, the purpose of this paper is to show whether the insurers can’t observe the hidden information that the insured is different from the real driver, and focus on the variable of gender to find the empirical evidence of the cross-subsidization from imperfect risk-classification. We employ the OLS regression method and measure the loss ratio in terms of loss severity. As a result, we find the evidence that many variables have not be sorted out completely. Futhermore, the findings that cross subsidization with the policies of the female insured is different from the real driver, especially in collision automobile insurance and non-dealer of car associated with the sale of automobile insurance.
    Appears in Collections:[保險學系暨研究所] 學位論文

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