| dc.contributor | 風管系 | |
| dc.creator (作者) | 彭金隆 | |
| dc.date (日期) | 2022-03 | |
| dc.date.accessioned | 18-Jun-2026 13:22:41 (UTC+8) | - |
| dc.date.available | 18-Jun-2026 13:22:41 (UTC+8) | - |
| dc.date.issued (上傳時間) | 18-Jun-2026 13:22:41 (UTC+8) | - |
| dc.identifier.uri (URI) | https://ah.lib.nccu.edu.tw/item?item_id=183021 | - |
| dc.description.abstract (摘要) | UBI中的汽車保險，不管從學理與實務觀點看來有這麼多的優點，為什麼在我國保險市場始終無法開展?消費者面對這個新商品，接受度以及思考點到底為何?是本研究最想探討與分析的核心。台灣UBI車險的發展，已經面臨許多瓶頸，未來如何協助市場UBI保單的發展，以及創造更多的外溢效果，是保險學界應該努力的方向。本研究鑒於過去有關UBI之探討，大都以制度設計、保單契約誘因機制設計、費率計算等為主，但消費者如何看待UBI保單，或是由消費端去分析消費心理行為之探討較少，因此本研究主要研究方向，計劃以更深入的消費者調查方式，探索現階段台灣保險消費者對於UBI保單的看法，希望找出除減價誘因外，是否還有創造更多有利雙方的誘因機制，以幫助UBI車險走出困境實現外溢效果的保險價值。因此，計畫透過與國內已經銷售UBI車險的公司合作，計畫採分群比較方式，探究已購買UBI、已詢問未購買、完全未購買、以及已購買後退出等不同屬性之客戶，整合文獻上發現的問題以及可能解決方式，進行完整之調查研究分析，以作為改進UBI商品設計之參考。 | |
| dc.description.abstract (摘要) | Although usage-based auto insurance has many advantages, it has not been able to achieve good performance in the Taiwan. In the face of this new product, do consumers accept it? And what are the most important considerations? This is the core of this study. The development of UBI auto insurance in Taiwan has already faced many bottlenecks. How to assist the development of UBI insurance policies in the market and create more positive externalities should be the direction of insurance academics. In the past, academic research on UBI mainly focused on system design, contract incentive mechanism, and rate calculation. However, there is little literature on UBI from the perspective of consumers. Therefore, the main research direction is to explore consumer opinions on UBI insurance policies in the form of consumer surveys. I hope to find out better incentive mechanisms besides price reductions. Therefore, we plan cooperates with companies that have already sold UBI auto insurance, and plans to conduct a complete investigation and research on customers who have purchased UBI, have not inquired, did not purchase at all, and have withdrawn after purchasing. The research results can improve the UBI policy design. | |
| dc.format.extent | 116 bytes | - |
| dc.format.mimetype | text/html | - |
| dc.relation (關聯) | 科技部, MOST109-2410-H004-027, 109.08-110.07 | |
| dc.subject (關鍵詞) | 外溢保單; 汽車保險; 消費者行為 | |
| dc.subject (關鍵詞) | Usage-based Insurance; Auto Insurance; Consumer behavior | |
| dc.title (題名) | 我國UBI汽車保險外溢保單消費者行為之研究 | |
| dc.title (題名) | Research on Consumer Behavior of Usage-Based Auto Insurance in Taiwan | |
| dc.type (資料類型) | report | |
