| dc.contributor.advisor | 陳彩稚 | zh_TW |
| dc.contributor.author (Authors) | 邱于君 | zh_TW |
| dc.contributor.author (Authors) | Chiu, Yu Chun | en_US |
| dc.creator (作者) | 邱于君 | zh_TW |
| dc.creator (作者) | Chiu, Yu Chun | en_US |
| dc.date (日期) | 2009 | en_US |
| dc.date.accessioned | 8-Dec-2010 01:57:16 (UTC+8) | - |
| dc.date.available | 8-Dec-2010 01:57:16 (UTC+8) | - |
| dc.date.issued (上傳時間) | 8-Dec-2010 01:57:16 (UTC+8) | - |
| dc.identifier (Other Identifiers) | G0097358007 | en_US |
| dc.identifier.uri (URI) | http://nccur.lib.nccu.edu.tw/handle/140.119/49030 | - |
| 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) | 97358007 | zh_TW |
| dc.description (描述) | 98 | zh_TW |
| dc.description.abstract (摘要) | 本研究主要在探討台灣壽險業健康保險損失率之影響因素。首先，了解健康險損失率是否因為壽險公司規模不同而有顯著差異。再者，將壽險公司依主要專注之通路類型分為三類，包括業務員通路、經代通路以及其他通路，而觀察通路對於健康險損失率的影響情形。最後，藉由個體變數與總體變數之分析，期望以其他不同的角度協助保險公司未來對於損失率的風險控制。研究結果發現：(一)當壽險公司之資產規模不同時，對於健康險損失率有顯著差異上的影響。大型壽險公司的平均健康險損失率顯著高於小型壽險公司之健康險平均損失率。(二)壽險公司行銷通路的注重程度不同，確實會使健康保險損失率產生顯著的差異。研究結果發現其他通路運用程度越高的壽險公司，其健康險損失率顯著比使用經代人通路和業務員通路的壽險公司之損失率低。(三)本研究發現健康險損失率受到總體因素的影響，一般而言比壽險公司個體因素的影響微弱。個體因素確實會顯著影響壽險公司健康險損失率，而且壽險公司不同的規模型態，其主要影響健康險損失率的因素亦會有所不同。 | zh_TW |
| dc.description.abstract (摘要) | This study examines the factors that influence the loss ratio of health insurance policies for life insurance companies in Taiwan. First, this thesis intends to investigate whether there are significant differences in loss ratios among insurers due to firm size. Secondly, the impact of marketing channels on health insurance loss ratio is analyzed where the distribution systems mainly used by insurers are divided into three categories: employee sales, agent/broker channel, and others. Finally, this study conducts regression analyses on the health insurance loss ratio with firm-specific and macroeconomic variables to help insurers in controlling risks in the future. The empirical results are shown as follows.1.The loss ratios of health insurance vary significantly with firm size. The loss ratio of large insurance companies is significantly higher than that of small insurances companies.2.Distribution system has a significant impact on the loss ratio of health insurance. When the insurer relies more on other channels, instead of employee sales and agent/broker, the insurer will have lower loss ratio.3.The impact of macroeconomic variables on the loss ratio of health insurance is less than that of firm-specific variables. Additionally, the influential variables for loss ratio may be different between insurers of large and small sizes. | en_US |
| dc.description.tableofcontents | 謝辭 I摘要 IIIAbstract IV目錄 V圖表目錄 VI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 研究範圍與限制 5第四節 研究流程與架構 6第二章 文獻回顧 8第一節 我國目前健康險市場損失率概況 8第二節 我國目前壽險業行銷方式簡介 11第三節 健康保險相關文獻之回顧 14第三章 研究方法 19第一節 研究假設 19第二節 研究變數之說明 23第三節 樣本資料來源與分類 26第四節 研究方法 30第四章 實證結果 33第一節 敘述性統計分析 33第二節 差異性分析 36第三節 變異數分析(ANOVA) 37第四節 多元迴歸模型分析 39第五章 結論與建議 52第一節 結論 52第二節 後續研究之建議 54附錄 55參考文獻 58 | zh_TW |
| dc.language.iso | en_US | - |
| dc.source.uri (資料來源) | http://thesis.lib.nccu.edu.tw/record/#G0097358007 | en_US |
| dc.subject (關鍵詞) | 健康險損失率 | zh_TW |
| dc.subject (關鍵詞) | 行銷通路 | zh_TW |
| dc.subject (關鍵詞) | 個體因素 | zh_TW |
| dc.subject (關鍵詞) | 總體因素 | zh_TW |
| dc.subject (關鍵詞) | loss ratio of health insurance | en_US |
| dc.subject (關鍵詞) | distribution system | en_US |
| dc.subject (關鍵詞) | firm-specific variables | en_US |
| dc.subject (關鍵詞) | macroeconomic variables | en_US |
| dc.title (題名) | 台灣壽險業健康保險損失率影響因素之探討 | zh_TW |
| dc.title (題名) | The factors that influence the loss ratio of health insurance policies for life insurance companies in Taiwan | en_US |
| dc.type (資料類型) | thesis | en |
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