| dc.contributor.advisor | 陳彩稚 | zh_TW |
| dc.contributor.author (Authors) | 黃慧琳 | zh_TW |
| dc.contributor.author (Authors) | Huang,Hui Lin | en_US |
| dc.creator (作者) | 黃慧琳 | zh_TW |
| dc.creator (作者) | Huang,Hui Lin | en_US |
| dc.date (日期) | 2007 | en_US |
| dc.date.accessioned | 2009-09-18 | - |
| dc.date.available | 2009-09-18 | - |
| dc.date.issued (上傳時間) | 2009-09-18 | - |
| dc.identifier (Other Identifiers) | G0095358005 | en_US |
| dc.identifier.uri (URI) | https://nccur.lib.nccu.edu.tw/handle/140.119/34142 | - |
| dc.description (描述) | 碩士 | zh_TW |
| dc.description (描述) | 國立政治大學 | zh_TW |
| dc.description (描述) | 風險管理與保險研究所 | zh_TW |
| dc.description (描述) | 95358005 | zh_TW |
| dc.description (描述) | 96 | zh_TW |
| dc.description.abstract (摘要) | 本研究主要探討我國企業對產品責任保險需求之原因，分別以四個構面來分析企業對產品責任保險的需求。包括企業經營動機、公司背景資料、產品安全風險管理與上市公司財務特性等四方面來探討企業的投保動機。本研究以我國上市公司為樣本，共計發放440份問卷，並以回收的90份問卷進行Logistic迴歸及複迴歸之實證分析。研究結果發現，企業交易對象(買方)的要求、產品風險理財因素和產品市場行銷因素為影響上市公司投保產品責任保險之決定因素，呈顯著正向關係。另外，當上市公司過去曾發生過產品損害事件時，對產品責任保險之需求愈高；而且當公司的產品銷售本國地區、美加地區或同時銷售國內外地區時，對產品責任保險需求愈高。至於產品安全風險管理與產品責任保險需求之間的關係，實證結果顯示二者為互補關係，此與Ehrilich and Becker(1972)的理論假設一致。除此之外，本研究發現當公司規模愈大、產品銷售量愈大、負債對業主權益比率愈高以及公司無長期負債時，其對於產品責任保險的需求愈高。此外，當上市公司的財務危機成本愈高以及所面臨的損失頻率與幅度愈大時，其對於產品責任保險需求愈高。 | zh_TW |
| dc.description.abstract (摘要) | This paper investigates the corporate demand for product liability insurance in Taiwan. The motivations to purchase product liability insurance can be categorized into four groups, business operation incentive, features of the firm, product safety management, and financial management. The decision of insurance is analyzed based on the logistic model and multivariate regression models with a sample of 90 publicly traded companies in Taiwan.The empirical results of this study indicate that customers’ requests, product risk financing, and product marketing are the determinants for companies to buy product liability insurance. Further, the companies with previous experience of product liability losses have higher product liability insurance demand. Those companies selling their products to North America and Taiwan will purchase more product liability insurance. Moreover, the empirical evidences suggest significantly positive correlation between product safety management and product liability insurance demand, which is consistent with Ehrilich and Becker (1972) that market insurance and self-protection are complements. The results also show that the firm will purchase more product liability insurance when it has larger firm size, greater product sales, higher debt to equity ratio, and no long term debt. | en_US |
| dc.description.tableofcontents | 目錄 I表目錄 III圖目錄 V第一章 緒論 1 第一節 研究動機 1 第二節 研究目的 3 第三節 研究範圍 3 第四節 研究流程 4第二章 文獻探討 5 第一節 產品責任保險之發展 5 第二節 產品責任制度之發展 13 第三節 產品責任風險之探討 18 第四節 產品責任之風險管理 20 第五節 企業投保產品責任保險之原因 24第三章 研究方法 30 第一節 研究架構 30 第二節 研究假設 31 第三節 研究模型 33 第四節 研究變數之定義與資料來源 35 第五節 資料分析方法 40第四章 實證研究分析 43 第一節 敘述統計分析 43 第二節 差異性分析 50 第三節 因素分析 53 第四節 Logistic迴歸分析 56 第五節 複迴歸分析 58第五章 未來展望 62 第一節 美國產品責任賠償之概況 62 第二節 風險管理措施之複迴歸分析 69 第三節 上市公司未投保產品責任保險之原因 72 第四節 上市公司對強制投保產品責任保險之看法 73第六章 結論與建議 76 第一節 研究結論 76 第二節 研究建議 78參考文獻 80附錄一 問卷 85 | zh_TW |
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| dc.language.iso | en_US | - |
| dc.source.uri (資料來源) | http://thesis.lib.nccu.edu.tw/record/#G0095358005 | en_US |
| dc.subject (關鍵詞) | 產品責任保險 | zh_TW |
| dc.subject (關鍵詞) | 投保動機 | zh_TW |
| dc.subject (關鍵詞) | 產品安全風險管理 | zh_TW |
| dc.subject (關鍵詞) | 財務特性 | zh_TW |
| dc.subject (關鍵詞) | product liability insurance | en_US |
| dc.subject (關鍵詞) | motivation of insurance demand | en_US |
| dc.subject (關鍵詞) | product safety management | en_US |
| dc.subject (關鍵詞) | financial characteristic | en_US |
| dc.title (題名) | 企業對產品責任保險需求因素之分析-以我國上市公司為例 | zh_TW |
| dc.title (題名) | On the Corporate Demand for Product Liability Insurance: Evidence from Listed Compaines in Taiwan | en_US |
| dc.type (資料類型) | thesis | en |
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