| dc.contributor.advisor | 張士傑 | zh_TW |
| dc.contributor.advisor | Chang, Shih-Chieh | en_US |
| dc.contributor.author (Authors) | 朱文金 | zh_TW |
| dc.contributor.author (Authors) | Chu, Wen-Chin | en_US |
| dc.creator (作者) | 朱文金 | zh_TW |
| dc.creator (作者) | Chu, Wen-Chin | en_US |
| dc.date (日期) | 2026 | en_US |
| dc.date.accessioned | 2-Feb-2026 12:00:17 (UTC+8) | - |
| dc.date.available | 2-Feb-2026 12:00:17 (UTC+8) | - |
| dc.date.issued (上傳時間) | 2-Feb-2026 12:00:17 (UTC+8) | - |
| dc.identifier (Other Identifiers) | G0113932116 | en_US |
| dc.identifier.uri (URI) | https://nccur.lib.nccu.edu.tw/handle/140.119/161343 | - |
| dc.description (描述) | 碩士 | zh_TW |
| dc.description (描述) | 國立政治大學 | zh_TW |
| dc.description (描述) | 經營管理碩士學程(EMBA) | zh_TW |
| dc.description (描述) | 113932116 | zh_TW |
| dc.description.abstract (摘要) | 本研究以2025年丹娜絲颱風重創嘉義地區太陽光電設施為個案，探討極端氣候下再生能源設施之風險管理與保險制度挑戰，並從核保、理賠與再保三層面檢視制度缺口。研究發現，現行制度缺乏專屬核保模型，損害鑑定與責任認定機制不完備，再保容量有限且成本偏高，致使費率與風險不符並增加理賠爭議。
基於分析結果，本研究提出五項政策建議：建立專屬保險制度與條款、建構跨部門推動機制、設置氣候再保基金與巨災準備、推動資料共享與科技化監測，以及強化專業培訓。研究認為，完善之制度架構可降低企業財務不確定性並提升社會抗災韌性，促使保險成為永續轉型的重要推力。 | zh_TW |
| dc.description.abstract (摘要) | This study uses the case of Typhoon Danas, which severely damaged solar photovoltaic installations in Chiayi, Taiwan, in July 2025, to examine the risk management and insurance challenges of renewable energy facilities under extreme climate events. Gaps in the current system are analyzed from three perspectives: underwriting, claims handling, and reinsurance structure. The results show that insurers lack dedicated underwriting models, that mechanisms for damage assessment and liability determination remain insufficient, and that reinsurance capacity is limited and costly. These deficiencies lead to a mismatch between premiums and actual risk exposure and increase claims disputes.
Based on these findings, the study proposes five policy recommendations: establishing a dedicated renewable-energy insurance framework and policy clauses, developing a cross-agency mechanism for climate-risk insurance, creating a climate reinsurance fund and catastrophe reserves, promoting data sharing and technology-based monitoring, and strengthening professional training. The study concludes that a system featuring accurate underwriting, transparent claims processes, and robust reinsurance arrangements can reduce financial uncertainty for enterprises and enhance societal resilience, positioning insurance as an important driver of sustainable transition. | en_US |
| dc.description.tableofcontents | 第一章 緒論 5
第一節 研究背景 5
第二節 研究動機 8
第三節 研究目的 11
第四節 研究方法與資料來源 13
第五節 論文架構說明 17
第二章 文獻探討 21
第一節 極端氣候與再生能源設施風險 21
第二節 太陽能光電設施風險特性與災損機制 25
第三節 保險商品與核保制度概述 30
第四節 國際再生能源保險制度比較與啟示 36
第三章 研究方法 45
第一節 研究設計與架構 46
第二節 研究範圍與對象 51
第三節 資料蒐集方法 55
第四節 資料分析方法 61
第五節 研究限制說明 64
第四章 個案分析 65
第一節 案例背景與災損概況 65
第二節 光電案場損害情況分析 73
第三節 承保現況與理賠挑戰 79
第四節 再保制度運作與挑戰分析 85
第五節 制度整合與政策建議 91
第五章 研究結論與政策建議 97
第一節 主要研究結果 97
第二節 理論分析與制度意涵 99
第三節 政策啟示與具體建議 101
第四節 研究限制與未來展望 103
第五節 綜合結論 104
參考文獻 107 | zh_TW |
| dc.format.extent | 1311470 bytes | - |
| dc.format.mimetype | application/pdf | - |
| dc.source.uri (資料來源) | http://thesis.lib.nccu.edu.tw/record/#G0113932116 | en_US |
| dc.subject (關鍵詞) | 極端氣候 | zh_TW |
| dc.subject (關鍵詞) | 再生能源保險 | zh_TW |
| dc.subject (關鍵詞) | 太陽光電 | zh_TW |
| dc.subject (關鍵詞) | 風險管理 | zh_TW |
| dc.subject (關鍵詞) | 核保制度 | zh_TW |
| dc.subject (關鍵詞) | extreme climate events | en_US |
| dc.subject (關鍵詞) | renewable energy insurance | en_US |
| dc.subject (關鍵詞) | solar photovoltaics | en_US |
| dc.subject (關鍵詞) | risk management | en_US |
| dc.subject (關鍵詞) | underwriting system | en_US |
| dc.title (題名) | 極端氣候下綠能設施之風險管理：丹娜絲颱風嘉義光電案場為例 | zh_TW |
| dc.title (題名) | Risk Management for Renewable Energy under Extreme Climate Events: A Case Study of Typhoon Danas in Chiayi | en_US |
| dc.type (資料類型) | thesis | en_US |
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