政大機構典藏-National Chengchi University Institutional Repository(NCCUR):Item 140.119/64441

English | 正體中文 | 简体中文 | Post-Print筆數 : 27 | Items with full text/Total items : 113311/144292 (79%)
Visitors : 50934328 Online Users : 945

RC Version 6.0 © Powered By DSPACE, MIT. Enhanced by NTU Library IR team.

Home ‧ Login ‧ Upload ‧ Help ‧ About ‧ Administer

政大機構典藏 > 商學院 > 風險管理與保險學系 > 期刊論文 > Item 140.119/64441

Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/64441

Title:	銷售通路汽車車體險損失率之影響
Other Titles:	The Impact of Distribution Channel on the Loss Ratio for Auto Physical Damage Insurance
Authors:	王儷玲;薛國平;陳麗如 Jennifer L. Wang;Syue,Guo-Ping;Chen,Lih-Ru
Contributors:	風管系
Keywords:	銷售通路;汽車車體損失保險;理賠機率;損失率;羅吉斯迴歸分析 Distribution Channels;Auto Physical Damage Insurance;Probabilities of Loss, Loss Rati;Logistic Regression
Date:	2007-11
Issue Date:	2014-03-04 17:06:35 (UTC+8)
Abstract:	本研究探討不同行銷通路如何影響汽車車體損失險之理賠機率與損失率，並以羅吉斯迴歸方法進行實證分析，研究發現透過金融機構通路銷售的車體險，其出險理賠機率與損失率皆較一般業務通路低，是良質業務來源，產險公司若能透過策略聯盟、金融服務集團、合資等方式加強銀行通路販售產險商品，並設法減少通路與消費者勾結的問題，將對提升汽車車體保險的損失率應有正面影響。本研究實證結果有助於產險業擬訂通路策略、費率與核保之參考。 This paper examines how different distribution channels affect the probabilities of loss and loss ratio for auto physical damage insurance. We conduct a logistic regression analysis and the results suggest that the auto physical damage insurance sold from financial intermediates channel exhibit lower probabilities of loss and loss ratio than those from the direct writers. This implies that property-liability insurance firms can improve their underwriting profit through integrated marketing with financial intermediates. In addition, the findings of this paper may provide property-liability insurance firms with useful insights to revise their strategies of underwriting and pricing.
Relation:	風險管理學報, 9(3), 211-244
Data Type:	article
Appears in Collections:	[風險管理與保險學系] 期刊論文

Files in This Item:

File	Description	Size	Format
211244.pdf		541Kb	Adobe PDF2	860	View/Open

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.

Loading...