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政大機構典藏 > 商學院 > 風險管理與保險學系 > 期刊論文 > Item 140.119/64441

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Title:	銷售通路汽車車體險損失率之影響
Other Titles:	The Impact of Distribution Channel on the Loss Ratio for Auto Physical Damage Insurance
Authors:	王儷玲;薛國平;陳麗如 Jennifer L. Wang;Syue,Guo-Ping;Chen,Lih-Ru
Contributors:	風管系
Keywords:	銷售通路;汽車車體損失保險;理賠機率;損失率;羅吉斯迴歸分析 Distribution Channels;Auto Physical Damage Insurance;Probabilities of Loss, Loss Rati;Logistic Regression
Date:	2007-11
Issue Date:	2014-03-04 17:06:35 (UTC+8)
Abstract:	本研究探討不同行銷通路如何影響汽車車體損失險之理賠機率與損失率，並以羅吉斯迴歸方法進行實證分析，研究發現透過金融機構通路銷售的車體險，其出險理賠機率與損失率皆較一般業務通路低，是良質業務來源，產險公司若能透過策略聯盟、金融服務集團、合資等方式加強銀行通路販售產險商品，並設法減少通路與消費者勾結的問題，將對提升汽車車體保險的損失率應有正面影響。本研究實證結果有助於產險業擬訂通路策略、費率與核保之參考。 This paper examines how different distribution channels affect the probabilities of loss and loss ratio for auto physical damage insurance. We conduct a logistic regression analysis and the results suggest that the auto physical damage insurance sold from financial intermediates channel exhibit lower probabilities of loss and loss ratio than those from the direct writers. This implies that property-liability insurance firms can improve their underwriting profit through integrated marketing with financial intermediates. In addition, the findings of this paper may provide property-liability insurance firms with useful insights to revise their strategies of underwriting and pricing.
Relation:	風險管理學報, 9(3), 211-244
Data Type:	article
Appears in Collections:	[風險管理與保險學系] 期刊論文

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