The Flood Loss and Insurance Demand of Manufacturing Factories in the Industrial and Science Parks in Southern Taiwan
郭彥廉(Yen-lien Kuo)；陳家偉(Chia-wei Chen)
製造業 ； 廠商 ； 水災損失 ； 颱風洪水保險 ； Manufacturing ； Factory ； Flood loss ； Flood insurance
|Volume or Term/Year and Month of Publication||
4卷1期（2015 / 03 / 01）
77 - 108
This study evaluates the flood loss and the insurance demand of manufacturing factories. Survey was conducted in six major industrial parks and a science park in Tainan and Kaohsiung. The willingness-tobuy for flood insurance was affected by three aspects, namely factory and product characteristics and flood experience. Also, according to the results of interviews with manufacturers, whether insurance broker is involved, whether professional manager is in charge and adopted mitigation measures may affect the willingness-to-buy for flood insurance. The empirical results of flood loss function shows: (1) The power outage days and the plant area have significant positive effects on flood loss; (2) the flood gate has a significant negative effect on flood loss. The willingness-to-buy flood insurance was affected by three factors, such as whether the factory was electronics-relate, whether the factory has BCP (business continuity plan), or the export ratio of the product which produced by the factory. However, the flood experience has significant negative effect on the demand of flood insurance. The reason may be that most experienced manufacturers only have once flood experience, and they may still assess the benefit of flood insurance. In addition, some well-experienced factories have specific flood mitigation measures. That reduces the willingness to buy flood insurance.
工程學 > 市政與環境工程