English  |  正體中文  |  简体中文  |  Post-Print筆數 : 27 |  Items with full text/Total items : 113311/144292 (79%)
Visitors : 50934465      Online Users : 938
RC Version 6.0 © Powered By DSPACE, MIT. Enhanced by NTU Library IR team.
Scope Tips:
  • please add "double quotation mark" for query phrases to get precise results
  • please goto advance search for comprehansive author search
    •  Adv. Search
    Home ‧ Login ‧ Upload ‧ Help ‧ About ‧ Administer Goto mobile version


    Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/53858


    Title: 台灣汽車車體損失險之逆選擇與道德危險
    Other Titles: Asymmetric Information Problems in Taiwan$s Automobile Insurance Market
    Authors: 王儷玲
    Contributors: 政治大學風險管理與保險系
    行政院國家科學委員會
    Keywords: 汽車保險;不對稱資訊;道德危險;逆選擇;自我選擇機智;經驗費 率;自付額
    auto insurance;asymmetric information;adverse selection;moral hazard;self-selection mechanisms;experience ratings;the deductible
    Date: 2002
    Issue Date: 2012-10-22 15:43:37 (UTC+8)
    Abstract: 歷年來，台灣汽車保險的保費收入往往超過整個台灣產險市場一半以上的保費收入，然而許多產險公司卻經常抱怨汽車保險虧損連連，尤其是汽車車體損失險，長期以來一直有著嚴重的不對稱資訊問題，產險公司試圖設計不同的保單（分甲、乙及丙三式）、利用自付額及經驗費率等方式企圖降低車體損失險的損失率。本篇論文蒐集從1995 到1999 的汽車車體損失險的panel data，以回歸分析及t 檢定方法實證分析台灣汽車車體損失險的道德危險及逆選擇的問題。本研究實證結果確認台灣汽車車體損失險有嚴重之道德危險及逆選擇的現象，並進一步檢證提供不同保單所造成的自我選擇機制、或利用不同的自付額及經驗費率等方式能夠有效地降低車體損失險的損失頻率、損失嚴重程度或損失率。
    This paper investigates asymmetric information problems for the automobile insurance market in Taiwan. Using panel data for comprehensive automobile insurance coverage from 1995 to 1999, this paper analyzes how types of coverage, deductible amounts, and experience ratings have affected the adverse selection and moral hazard problems in Taiwan’s automobile insurance market. The empirical results provide partial evidence to demonstrate that loss frequency and loss ratio were reduced by the addition of self-selection mechanisms in policies with different levels of coverage. In addition, the deductible amounts, experience ratings, and better control of underwriting and claims processing were shown to have possibly decreased potential losses from adverse selection and moral hazard problems.
    Relation: 應用研究
    學術補助
    研究期間:9108 ~ 9207
    研究經費:287仟元
    Data Type: report
    Appears in Collections:[風險管理與保險學系] 國科會研究計畫

    Files in This Item:

    File SizeFormat
    912416H004 (2).pdf30KbAdobe PDF21328View/Open


    All items in 政大典藏 are protected by copyright, with all rights reserved.


    社群 sharing

    著作權政策宣告 Copyright Announcement
    1.本網站之數位內容為國立政治大學所收錄之機構典藏，無償提供學術研究與公眾教育等公益性使用，惟仍請適度，合理使用本網站之內容，以尊重著作權人之權益。商業上之利用，則請先取得著作權人之授權。
    The digital content of this website is part of National Chengchi University Institutional Repository. It provides free access to academic research and public education for non-commercial use. Please utilize it in a proper and reasonable manner and respect the rights of copyright owners. For commercial use, please obtain authorization from the copyright owner in advance.

    2.本網站之製作，已盡力防止侵害著作權人之權益，如仍發現本網站之數位內容有侵害著作權人權益情事者，請權利人通知本網站維護人員(nccur@nccu.edu.tw)，維護人員將立即採取移除該數位著作等補救措施。
    NCCU Institutional Repository is made to protect the interests of copyright owners. If you believe that any material on the website infringes copyright, please contact our staff(nccur@nccu.edu.tw). We will remove the work from the repository and investigate your claim.
    DSpace Software Copyright © 2002-2004  MIT &  Hewlett-Packard  /   Enhanced by   NTU Library IR team Copyright ©   - Feedback