鄉鎮農會主管人員對承作商業保險意向之研究

A Study on the Intention of Farmers' Association's Administrator for Commercial Insurance

李建德(Chien-Te Lee)

指導教授 ： 陳唐平

共同指導教授 ： 林惠慈(Hui-Tzu Lin)

嶺東科技大學/管理學院/國際企業研究所/碩士(2011年)

https://doi.org/10.6823/LTU.2011.00037

摘要

本研究目的在探討承作商業保險對農會經營之優缺點為何。研究對象為全省280家鄉鎮農會的總幹事與保險部主任560名（n=560）。本研究採用問卷調查法，以研究者修編之「鄉鎮農會主管人員對承作商業保險意向量表」測量，本問卷共發出560份，經回收計有409份有效問卷，回收率72.86%。研究結果顯示：一、鄉鎮農會對承作商業保險之情形是滿意的。農會總幹事對於農會承作商業保險的平均整體滿意度為76.1%，表示總幹事對於滿意知覺程度方面屬中等偏高；而保險部主任的平均整體滿意度為70.7%，其滿意程度也屬於中等偏高。二、鄉鎮農會承作商業保險對農會有滿足經營績效之優點。鄉鎮農會總幹事對於承作商業保險之優缺點之平均整體滿意度為77.6%，表示總幹事對於農會承作商業保險之優缺點影響績效之知覺程度中等偏高；而保險部主任對於承作商業保險對農會經營績效之優缺點平均整體滿意度為70.25%，表示保險部主任對於農會承作商業保險之滿意知覺程度中等偏高。三、鄉鎮農會對承作商業保險有較高的意願且具預測力。總幹事對在農會推行商業保險的意向方面的滿意度為78.25%，保險部主任對在農會推行商業保險的意向方面滿意度為72.3%，且兩者都認為「承作商業保險可滿足農會獲利的需求。」本研究結論顯示，以往對農會與保險的相關研究中，較為缺乏以實徵調查研究農會主管與承作商業保險情況與意願之間的關係，建議未來的研究可考慮增加對農會主管人員的訪談以深入了解對承作商業保險一個比較全面的解釋性理解。

關鍵字

農會 ； 商業保險

並列摘要

The purpose of this research was to discuss the pros and cons for the Farmer’s Association (FA in short) to contract the business insurance. This research was conducted by the questionnaire method to 560 General Directors (GD in short) and director of Insurance department (DI in short) for all 280 cities FAs throughout the country. The "Town farmers will undertake commercial insurance executives intent on scale" questionnaires was conducted. 560 questionnaires were sent and 409 valid questionnaires returned of the 72.86% returned rate.
The research shown:
1. FA was overall satisfied with the current business insurance condition. The satisfaction rate for GD towards the business insurance was 70.7% and it is in the middle-high range.
2. Business insurance can potentially satisfy the operational performance of the FA. GD’s rating for the pros and cons of FA contracting business insurance were 77.6%, it indicates that GDs are aware of the influence of business insurance towards the FA’s operational performance is at the medium-high level. Moreover, DI’s rating was 70.25% where it indicates that the awareness is at the same level as GD.
3. FA is more preferable and more foreseeable for the business insurance. GD’s satisfying level towards contracting business insurance was 78.25% whereas GI’s attitude was 72.3%. In addition, both GD and GI agree that business insurance could satisfy the profit needs of the FA.
This case showed that insurance of agricultural researches were lack of empirical research to the relationship between farmers and contractors in the past. Researcher proposed that future research should conduct the qualitative research in interviewing the executive officer of Farmers for in-depth understanding of commercial insurance for contractors.

Keywords: Farmers Association, Commercial Insurance

並列關鍵字

Farmers Association ； Commercial Insurance

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