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題名:家庭保全服務與住宅火災保險之商品整合下最適決策模式研究
作者:李仁傑
作者(外文):Jen-chieh Lee
校院名稱:國立東華大學
系所名稱:企業管理學系
指導教授:林達榮
學位類別:博士
出版日期:2017
主題關鍵詞:家庭保全服務住宅火災保險商品整合決策模式Family security servicesresidential fire insuranceproduct integrationdecision models
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本研究旨在因應未來不確定下,為改善保全/保險業之商品損失風險趨避,建立家庭保全服務與住宅火災保險之商品整合下最適決策模式。研究方法乃是建構風險趨避模型及實質選擇權模型,經由數值例模擬分析並經由驗證檢核得出適切結果。研究發現可推算商品整合之最佳保全客戶數及預估住宅火災保險適切之保費折扣數,概估保險公司經營住宅火災保險之簽單保險費收入,同時指出商品整合之潛在價值約是單一保險商品之二倍。本研究並作主要參數之敏感度分析,俾能建立最適決策模式。本研究學術意涵有利於業者改善商品風險趨避、增進產業決策分析、提供商品整合締約參考及迎合消費者整合需求;同時展現商品整合之決策穩定價值及提供業者商品整合之八項管理意涵。
This study aims to build the optimal decision models for integrating the products of family security services and residential fire insurances to improve the risk aversion of products on security companies and insurance companies in the future. This method constructs the risk aversion model and the real option model, and then through the numerical example to simulate and get the appropriate result through the examination. It can be used to calculate the optimal number of security services customers and estimate the premium discount of residential fire insurance. This study proposed the insurance company will increase the written premium of the residential fire insurance, and the potential value of the product integration is higher than single strategy of insurance, and carried out the sensitivity analysis of main parameters to establish a decision-making model. The contributions of this research are products risk aversion amelioration, industrial decision-making analysis improvements, product integration contracts-making references, and customers’ integrated needs ingratiation. In the meantime, this paper shows stable vale of product integration, and offers eight management practice implications for business decisions.
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