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    題名: 住宅地震保險危險分散機制再保險安排之研究
    其他題名: The reinsurance arrangement research of Taiwan residential earthquake insurance risk spreading mechanism
    作者: 宋慧珍;Soong, Hwei-Jen
    貢獻者: 淡江大學保險學系保險經營碩士在職專班
    關鍵詞: 住宅地震保險危險分散機制;住宅地震保險危險分散機制再保險;Taiwan Residential Earthquake Insurance;Reinsurance Arrangement for the Residential Earthquake Insurance
    日期: 2013
    上傳時間: 2013-04-13 10:59:13 (UTC+8)
    摘要: 台灣位處太平洋地震帶,地震發生本就頻繁,所幸自921地震後未發生大規模地震及嚴重損失,但是近年來地球氣侯急遽變遷,鄰國日本及紐西蘭接連發生大規模地震,以及澳洲及泰國的嚴重水災等,其所造成的人員傷亡及經濟損失皆超越以往,此時我們不得不重新檢視,以現行的住宅地震保險危險分散機制對於天災所引起的損害是否已有適當的風險管理,足以保障民眾的權益呢?
    Taiwan is located on the active tectonic belt surrounding the Pacific Ocean, known as the “ring of fire”, and is one of the three major seismic zones in the world. Earthquakes occur frequently in Taiwan, but luckily, we haven’t experienced serious earthquakes and damages in Taiwan since 1999.9.21. Recently climate changing is increasing. There have been several major catastrophic events around the world, such as the earthquakes in Japan and New Zealand, and floods in Thailand and Australia. These catastrophic events have already claimed many lives and have caused enormous property damages. It is time to review the residential earthquake insurance scheme, which assumes residential earthquake risks and transfers the risk, if the coverage and protection is sufficient in Taiwan.
    We have studied residential earthquake insurance schemes in developed countries that adjusted their practice in response to massive earthquakes. We simulate the four earthquake loss scenarios of massive earthquakes that may occur in Taiwan, then use the current data and information of Taiwan Residential Earthquake Insurance Fund, model and analyze the existing funding gap, cash flow, and solvency. We also try to search for the optimal reinsurance program from the current high cost reinsurance market for the Taiwan Residential Earthquake Insurance Risk Spreading Mechanism.
    Finally, the results of our research and analysis can be utilized by organizations in the field to make decisions beneficial to the public.
    顯示於類別:[保險學系暨研究所] 學位論文


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