應用AHP及FAHP手法探討不同族群對保險項目重要性之研究-以面板廠個案公司為例

Applying AHP and FAHP to Explore How Different Working Groups Rank Insurance Items – A Case Study of the Panel Industry in Taiwan

江季如(Chi-Ju Chiang)

指導教授 ： 徐旭昇

元智大學/工程學院/工業工程與管理學系/碩士(2009年)

摘要

近年來隨著保險法令的開放，以及主管機關相繼開放外商與本土企業成立保險公司，保險市場進入了高度競爭的時代，商品銷售若不是最主要的關鍵因素，至少亦是一個成敗的關鍵。
高新技術產業規模的年平均增長速度高達27%，高新技術產業總產值佔製造業比重已經達到16%，其員工人數佔全國勞工人數的27.61%，為其他行業之冠，在高新技術產業中面板廠勞工所佔比率為前三名，台灣面板大廠公司分別為友逹、奇美、瀚宇彩晶、華映，故針對這四個面板廠員工對購買保險主要因子做研究分析，再以面板廠的幕僚人員及現場人員兩個族群分別探討。
本研究係以層級程序分析法(Analytic Hierarchy Process, AHP)及模糊層級程序分析法(Fuzzy Analytic Hierarchy Process, Fuzzy AHP)之分析結果歸納出，面板廠幕僚人員對保險需求的順序為人壽保障>健康保障>年金保障>傷害保障；現場人員對保險需求的順序為健康保障>人壽保障>年金保障>傷害保障。此重要程度可提供予保險產業在對於面板廠員工對保險評選時重要且具體的參考依據。
AHP及FAHP的排序相比較來看，其排序序位均無差異，僅權重值有差距。

關鍵字

層級程序分析法、模糊層級程序分析法 ； 面板廠 ； 幕僚人員 ； 現場人員 ； 人身保險

並列摘要

In recent years, the insurance market in Taiwan has become very competitive due to the government’s liberation policy, as well as growing acceptance of young working people in high-tech companies or dangerous working environments. This study explores the key attributes of purchasing insurance for employees in the panel industry. In Taiwan, high-tech companies occupy 27.61% of the total labor force. Among high-tech companies, the labor force in the panel industry is ranked in the top three. Thus, it is worthwhile to examine the factors influencing the workers’ decisions on insurance purchasing, as well as their preferred insurance types. The study involves the employees of four large panel companies: AUO, CMO, HannStar, and CPT. In addition, we survey two distinct groups of workers: staff members and online workers. The environment of online workers is usually more risky than that of in-office staff members.
In our study, we use AHP (Analytic Hierarchy Process) to explore the influential attributes of insurance purchasing. The hierarchical attributes are constructed in three steps: (1) reviewing relevant literature and consulting professionals; (2) designing initial questionnaires, filtering the results via statistical analysis and expert opinion, revising the attributes, and modifying the questionnaires; (3) distributing the questionnaires to the appropriate people and employing EXPERT CHOICE 2000 AHP software to analyze the results. To enhance our study towards a practical situation, we conduct another investigation that incorporates fuzzy set theory with AHP. In the two methods, the attributes’ weight values are different, but their rankings remain the same: for the staff members, the order of importance would be life insurance > health > annuity > injury; for the online workers, however, it would be health insurance > life > annuity > injury.

並列關鍵字

Analytical hierarchy process ； fuzzy set ； panel industry ； staff members ； online workers ； insurance policy

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