保險銷售人員對保險詐欺的態度表現:以台灣汽車保險銷售為例

Insurance salespeople''s attitudes toward insurance frauds:The case of Taiwan''s car insurance industry

楊孟鑫(Meng-Hsin Yang)

指導教授 ： 曾鹿鳴 ； 蘇文斌

朝陽科技大學/管理學院/保險金融管理系/碩士(2012年)

摘要

研究者認為保險詐欺的增加可能與保險業務員違反職業道德的決策有關。以汽車保險業而言，保險契約的續約率(renewal rate)對於保險業務員的收入有著相當重要的影響。但是為了獲得保險契約的續約以及獎金，部分的保險業務員可能會協助顧客做出違反道德的行為(例：協助客戶提供不符合事實的資訊以影響保險公司的決策)以換取保單的續約。為了研究保單續約是否會影響保險業務員從事保險詐欺意願，本研究以台灣汽車保險市場為例，探討以續約為前提的情況下，不同的風險與詐欺額度是否會影響保險業務員的道德決策。探討保單續約是否會影響保險詐欺行為的相關研究和實證較為少見，本研究或可對保險詐欺行為的了解會有一些貢獻。

關鍵字

保險詐欺 ； 風險 ； 保險業務員 ； 續約率

並列摘要

Researchers believe that the increase in insurance fraud may be associated with the unethical decisions that made by insurance salespeople. In the car insurance industry, renewal rate is an important factor that determines salespeople''s incomes. To obtain the renewal compensation, some insurance salespeople may help customers to do unethical things (e.g., provide untruthful information of the customers to the insurer) in exchange for the contract renewal. In order to better understand how the contract renewal can be related to insider frauds, by using car insurance industry as an example, this paper explores the impacts of risk and fraud sizes on car insurance salespeople''s ethical decision making in the situations involving contract renewal. Empirical research on contract renewal and insurance frauds is very rare. This study may make some contributions to insurance fraud research.

並列關鍵字

risk ； renewal rate ； salespeople ； insurance fraud

參考文獻

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