English  |  正體中文  |  简体中文  |  Post-Print筆數 : 27 |  Items with full text/Total items : 113648/144635 (79%)
Visitors : 51611582      Online Users : 418
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/140.119/154703


    Title: 人壽保險業申訴率與抱怨率決定因子
    The Determinants of Complaint and Ombudsman Ratios: Evidence from the Life Insurance Industry
    Authors: 劉冠麟;許永明
    Contributors: 風管系
    Keywords: 申訴率;評議率;決定因子
    Complaint Ratio;Ombudsman Ratio;Determinants
    Date: 2025-12
    Issue Date: 2024-12-12
    Abstract: 本文的目的在於：找出人壽保險業申訴率與評議率的決定因子。我們採用2012年至2021年臺灣人壽保險業資料，實證結果發現：較佳清償能力與規模較小的業者，會收到較多的申訴；在評議率方面，當監理預算的攀升，銷售較多投資型保險、較佳清償能力的公司，會有較高的評議率。至於健康保險賣越多的公司以及公股公司，則有較低的評議率。我們進一步利用「成功調解之申訴案件、占申訴案件的比率」作為被解釋變數，發現健康險銷售較多、規模較小、獲利能力較佳、與屬於金控的公司，有申訴案件較容易被調解的現象。
    The purpose of this paper is to identify the determinants of complaint and ombudsman ratios in the life insurance industry. Using complaint and ombudsman data on life insurers in Taiwan from 2012 to 2021, we find that insurers with higher solvency and smaller size have more complaints; when regulatory budget expenses rise, insurers that sell more investment-linked products and have higher solvency experience higher ombudsmen ratios, while state-owned insurers with a higher level of health insurance premiums have lower ombudsman ratios. We further find that complaint cases from smaller insurers that sell more health insurance and more profitable insurers that belong to financial holding companies have the characteristic of being relatively easy to settle.
    Relation: 中山管理評論, Vol.33, No.4, pp.31-64
    Data Type: article
    DOI 連結: https://doi.org/10.6160/SYSMR.202407/PP.0002
    DOI: 10.6160/SYSMR.202407/PP.0002
    Appears in Collections:[風險管理與保險學系] 期刊論文

    Files in This Item:

    File Description SizeFormat
    index.html0KbHTML13View/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