財產保險業務員與核保人員對汽車保險承保風險認知的差異性-以兆豐產物保險為例

The Differences of Auto Insurance Underwriting Risk Perception between Insurance Salesman and Internal Auditing –Chung Kuo Insurance

林怡君(Yi-Chun Lin)

指導教授 ： 張婉玲

朝陽科技大學/管理學院/保險金融管理系/碩士(2013年)

摘要

汽車保險為各家產物保險公司的主力險種，也乃是兵家各爭之地，往往以汽車保險為敲門磚招攬業務或通路；然而核保與業務之間，一直存在著核保阻礙業務拓展的微妙氛圍，或煩瑣的核保程序影響業務人員的服務效率。
在決定風險的可接受性時，會受到三個因素的影響，分別是技術層面、業務層面與財務層面。核保對保險公司而言是一種風險選擇的過程，而風險選擇的目的是決定可接受風險水平的方法，惟作業風險事件層出不窮，此風險也往往帶來公司鉅額的損失，產險公司如何降低理賠頻率及控管保戶的品質，是產險公司目前所需因應的問題。然而第一線的核保把關，其專業度和經驗值在承保的風險評估上會影響到公司的成本和利潤，所以相較於技術層面、業務層面、財務層面，影響承保風險認知因素具有重要的關聯性。在承保風險認知上，透過對風險的認識、分析與衡量，有效整合可運用的資源以最低成本將損失點降至最低，人為因素扮演相當重要的角色；因此，核保人員及業務人員對汽車保險承保風險的認知是值得注意的。

關鍵字

風險認知 ； 核保人員 ； 汽車保險 ； 承保風險 ； 業務人員

並列摘要

Automobile insurance is the main service of each insurance company It is the most competitive business among all of the services.Usually, the insurance company sells automobile insurance as the first step to open up its business opportunities for other services.However,there is a contradictory relation between the auditing and the business sectors inside the insurance company.For example, the sales of the business sector are impeded by the regulation of the auditing sector, or the service efficiency of the business sector is affected by the complicated procedure of the auditing sector.
The decision-making of the auditing sector is affected by three factors which are technical, business and financial. For the insurance company, the procedure of the auditing means the process of the risk screening. The purpose of the risk screening is to terminate how much risk the insurance company would be able to undertake. Also, the huge lost of the insurance company is cost by the frequent misevaluation of the risk screening. Therefore, there are two things that the insurance company has to deal with. One is to reduce the compensation frequency; the other is to select the customers with the good qualities.
However, the correlation is much higher between the first-line auditing and the insurance company’s cost and profit. Usually, the first-line auditing is affected by the underwriting risk evaluation of both the salespersons and the auditors. The evaluation result relays on their profession and experience. Due to this component, both the profession and the experience of the salespeople and auditors are more important than the technical, financial and business factors. According to this research, the human factor plays the important role in the perception of the underwriting risk.
This factor indicates that the lowest lost could be manageable with the minimum cost while efficiently utilizing all the useable resources and the knowledge of the risk analysis and the measurement. Therefore, it should be concerned on the perception of both the insurance auditors and the salespersons for the underwriting risk of the automobile insurance.

並列關鍵字

risk reception ； underwriters ； salespeople ； underwriting risk ； car insurance

參考文獻

王財驛、卓翠月、黃明祥（2011）。財產保險業經營效率之研究。財金論文叢刊，第十四期，P1-15。

鄭燦堂（2000）。風險管理：理論與實務。台北：五南。

Rejda,G.E﹒（2005）。“Principles of Risk Management and Insurance＂。Addision Wesley，Ninth Edition，586~603。

中文部份

江朝峰(1993)。汽車損失險危險分類與統計方法之研究。逢甲大學保險學研究所碩士論文。