| dc.contributor | 風管系 | |
| dc.creator (作者) | 彭金隆 | |
| dc.date (日期) | 2020-01 | |
| dc.date.accessioned | 18-Jun-2026 13:22:39 (UTC+8) | - |
| dc.date.available | 18-Jun-2026 13:22:39 (UTC+8) | - |
| dc.date.issued (上傳時間) | 18-Jun-2026 13:22:39 (UTC+8) | - |
| dc.identifier.uri (URI) | https://ah.lib.nccu.edu.tw/item?item_id=183019 | - |
| dc.description.abstract (摘要) | 保險人必須依賴被保險人提供大量的資訊，以方便保險公司進行核保、訂價與理賠工作。但是被保險人比保險人擁有更多的資訊，因此被保險人常常會提供不正確或不真實的資料，來達到降低保險費與購買保單的目的。這種特殊的營運模式，讓保險業經營一直面臨著訊息不對稱的壓力。本研究希望從客戶心理層面出發，利用心理學對於說謊行為(Faking Behavior)的研究，把這些研究發現應用在保險購買行為上。希望能了解保險客戶提供資訊時，可能受到哪些因素的影響，然後採用實驗方法操弄這些因素，以便驗證有哪些方法可以降低保險客戶說謊的的動機。透過這樣簡單的方法，如果我們能夠發現許多關鍵的因素，然後把它應用在保險實務上，也許可以在不花太多成本，例如不用增加大量核保人員，或是不用購買昂貴的資料分析軟體，只要調整保險公司與客戶溝通文件(如調整告知事項警語的位置)，或是修改收集資訊的方式，就可以達到「顯著」增加保戶說實話機率的效果。本研究期望能夠得到這樣的結論，並在實務上應用，只要在申請文件上，做一些簡單的文字說明，或是要保書文件上調整一些格式，就可以有效改變客戶對交易的認知，進一步改變他們的告知行為，希望可以解決部分保險市場的資訊不對稱問題。 | |
| dc.description.abstract (摘要) | Insurance companies must rely on the insured to provide a large amount of information to carry out underwriting, pricing and settlement of claims. But the insured has more information than the insurer. Therefore, the insured often provides incorrect or untrue information to achieve the purpose of reducing insurance premiums and purchasing insurance policies. This special mode of operation makes the insurer always face the pressure of asymmetric information risk. The purpose of this study is to make use of psychological research on faking behavior and apply these findings to insurance purchase behavior. We try to explore what factors insurance clients may be affected by when they provide information, and then use experimental methods to manipulate these factors. In order to verify the ways to reduce the insurance client's motivation of faking. Through this simple approach, if we can find many key factors and then apply it to insurance practice, we may be able to do so without too much cost, for example, without adding a large number of underwriters. Instead of buying expensive data analysis software, you can "significantly" increase the incentive for insured to tell the truth by adjusting the documents they communicate with their customers, or by modifying the way they collect information. This study expects to be able to reach such a conclusion, and in practice, the insurance company as long as in the application documents, do some simple written instructions, or book written documents to adjust some of the format. It can effectively change customers' perception of transactions and further change their behavior, hoping to solve the problem of information asymmetry of insurance companies. | |
| dc.format.extent | 116 bytes | - |
| dc.format.mimetype | text/html | - |
| dc.relation (關聯) | 科技部, MOST107-2410-H004-047, 107.08-108.07 | |
| dc.subject (關鍵詞) | 資訊不對稱; 行為保險; 保險實驗; 說謊行為 | |
| dc.subject (關鍵詞) | Information Asymmetry; Behavioral Insurance; Insurance Experiment; Faking Behavior | |
| dc.title (題名) | 改變保戶告知行為模式會影響保險公司的逆選擇風險嗎？─以實驗為核心 | |
| dc.title (題名) | Does It Affect the Insurer＇s Adverse Selection Risk by Changing the Way of the Insured’s Representation? - an Experimental Analysis | |
| dc.type (資料類型) | report | |
