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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/93943

    Title: 保險費率自由化對火災保險商品差異化之研究
    Other Titles: Study on fire insurance products in differential during the insurance premium deregulation
    Authors: 謝岫玲;Hsieh, Hsiu-Ling
    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: 費率自由化;火災保險;保險商品;Premium Deregulation;Fire Insurance;Insurance Product
    Date: 2013
    Issue Date: 2014-01-23 13:42:45 (UTC+8)
    Abstract: 我國自2002年開始實施費率自由化至今,市場競爭隨之更趨白熱化,業者積極思索定位與生存方式,由國外費率自由化之經驗得知,未來國內保險市場勢必面臨適者生存不適者淘汰之嚴酷考驗,保險公司之整併實為未來時勢潮流所趨。
    Since 2002 implementing the Tariff Liberalization to date, the market’s competition is more incandescence and let the Insurance Industry to find their positioning and the way on how to survive in aggressively. Learned from the foreign experience of the Tariff Liberalization, the local markets will be facing the ordeal – survival of the fittest or eliminate through competition. And the Merger & Acquisition will be a trend in the Insurance Industry in future.
    This major research in this thesis will focus on the development of examination of Insurance Products and the supervision of regulation; how to obtain the diversity during the process of Tariff Liberalization for Insurance companies; the tendency of Fire Insurance products in future; to analysis the unreasonable situation to the underwriting factors which causing from the change of underwriting factors of Fire Insurance products. Finally, we will provide the recommendation in the following points – supervision, management and necessary. The points are:
    A.Supervision: The strength of supervision should be loosened the restrictions in appropriate; to reinforce the broker’s supervision; to evaluate the tariff structure in periodically; to set up the impartial supervision by the independent apparatus; to assist the insurance company in proceeding the merger & acquisition.
    B.Management: The Insurance Industry shall abide by the standard self- discipline; to set up the data warehouse for analysis in earlier; to enhance the cooperation with International Reinsurance Broker; to link the tariff between small & middle insured amount and large insured amount (re-identify the definition of large insured amount business)
    C.Necessary: To choose the best Insurance products through the diversification channel; to review the appropriateness of Insurance products.
    Appears in Collections:[保險學系暨研究所] 學位論文

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