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    Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/53915


    Title: 責任保險之道德危險及其補救方法：危管基金
    Other Titles: Moral Hazard of Liability Insurance and the Remides(II): Risk Management Funds
    Authors: 陳彩稚
    Contributors: 國立政治大學風險管理與保險學系
    行政院國家科學委員會
    Keywords: 責任保險;產物保險;風險管理;問卷調查
    Liability insurance;Property-liability insurance;Risk management;Questionnaire
    Date: 2000
    Issue Date: 2012-10-22 15:45:12 (UTC+8)
    Abstract: 商業責任保險之供給在許多先進國家中，已經成為一項棘手的問題。隨著賠償金額逐漸提高，保費收入無法彌補理賠支出，造成保險業者之虧損或甚至失去清償能力，於是許多保險人紛紛減少責任保險之供給。政府與企業必須尋求其他風險管理方法，以分散企業之侵權賠償責任風險。目前我國之侵權責任賠償金額亦有逐漸提高之趨勢，保險業者必須思考因應之道以及瞭解各種替代工具。本文之主要目的，在於分析我國產險業者對於供給責任保險之看法與意願，以便建議未來責任保險市場之發展方向。本研究之方法主要是採用問卷調查方式，實際瞭解目前國內產險業者對於責任保險之看法。其次，本文建議一項危管基金制度，以補救商業責任保險之不足。綜合各項調查結果之分析，可知目前國內之產險業者對於責任保險之看法相當穩健與理性。大體而言，這些結果說明產險業者對於責任保險之分散風險功能仍具有信心。因此業者對於供給責任保險應仍具有意願與信心，但是此意願與信心可能隨承保風險(理賠難度)之提高而下降，而必須藉助其他風險管理方法加以補充，諸如互保方式之危管基金。
    The social inflation of liability damages has dramatically discouraged the supply of liability insurance since 1980`s. Therefore the business firms cannot completely rely on liability insurance to transfer liability risk any more but must search for other alternatives to manage liability risk. Today Taiwanese business also encounters increasing liability risk when the legal and social environments change. The purpose of this paper is to analyze the willingness of supplying liability insurance for Taiwanese property-liability insurers. The analysis is conducted based on the questionnaires that survey the attitudes of insurers in practice. According to the results of empirical analysis, we find that the insurers have confidence on liability insurance market and are willing to supply liability insurance in the near future. However, such confidence and willingness may decrease with underwriting risk for certain types of insurance products. Thus, the public policy maker must consider other risk management alternatives for liability risk, such as risk management fund.
    Relation: 應用研究
    學術補助
    研究期間:8908 ~ 9007
    研究經費:260仟元
    Data Type: report
    Appears in Collections:[風險管理與保險學系] 國科會研究計畫

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