早期電子地圖大多作為道路路標、路線查詢的運用,但發展至今已經從原本平面化的東西,衍生為2D、3D圖示、甚至結合衛星照片已經能將實際建物、道路、環境一併呈現,大大提升電子地圖在各方面可能之運用。加上網際網路的發達,其無遠弗屆的特性更讓電子地圖完全脫離時空的限制。像房屋仲介公司利用電子地圖來呈現買屋賣屋資訊,使得使用者能更詳細得知地域關係,加深交易興趣。 近年來,保險業者在火災保險業務上競爭非常激烈,尤其這幾年所發生的天然災害及火災損失,使得許多公司面臨在高風險環境下經營,因此風險評估便成為直接影響保險公司穩健經營的關鍵因素;而在火險風險評估中,又以同險最為重要。所謂同險是指同時承保同一危險範圍內多筆物件之風險,而保險業現行的判斷方式為依據縣市、鄉鎮地區、地址來規範同險編號,以編號相同者視為同險,並無實際圖形化界面系統來判斷同險區域範圍,因此本研究嘗試以現有保險業之火險同險資料為基本素材並結合Google Maps地址定位服務來建立同險區域範圍資料庫與輔助工具以協助保險公司核保部門作為初步同險判定之依據,以降低公司承保之風險。
In its early stages, electronic maps are used for road signing and route inquiry. However, with the new developments in 2D/3D technology and satellite imagery, electronic maps are now able to demonstrate actual buildings, roads, and environments, which greatly enhance its versatility. The implications are endless when combined with the Internet. For instance, real-estate agency can use electronic maps to display housing information; allowing users to learn more about its regional environment and invoke higher buying interest. In recent years, fire insurance has become a highly competitive business due to reoccurring natural disasters and fire hazards. Thus, risk assessment has become the key element in successfully maintaining the company in these competitive times. The most important aspect of fire risk assessment is called risk accumulation. Risk accumulation is the risk of insuring multiple objects in the same area or district. Currently, the industry uses address, district and county as source codes for determining if the objects fall under the same risk accumulation. This is done without the use of actual graphic display to determine the range of the risk accumulation zone. This study attempts to combine Google Maps API and fire insurance risk accumulation data to establish a more precise risk accumulation zone. This in turn would aid the insurance company in determining the risk factors and better reduce the company's underwriting risk.
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