| Summary: | 碩士 === 長榮大學 === 土地管理與開發學系碩士班 === 91 === Taiwan is located on the border of Eurasia Plate tectonics and Philippines Ocean Plate where is a high dangerous zone. The earthquakes which happen here usually cause huge loss, for example damages in the 921 Chi-Chi Earthquake. Therefore, in order to mitigate post-earthquake loss and to help the residents to reconstruct housing, the residential fire and earthquake insurance was announced formally in April 1st, 2002. Through the past experience, the residents joined the insurance with low participation which was compared with other countries. The main reason is not only high insurance fee and low risk conscious of residents, but financial safety of insurance companies. Besides, the limit of reinsurance capacity in international market also causes the problems of participate the insurance.
In order to solve the problems above, this study discusses the effect factors of residential earthquake insurance by analyzing the experience of implementing insurance in America, Japan and New Zealand and gathering the information of insurance laws, contents of implementing insurance in Taiwan. The Analytic Hierarchy Process will be applied in this study to undertake two-stage specialist’s questionnaires. The results point out six effect factors which are (1) the rage of compensation (2) the capacity of co-insurance joint operation organization (3) favor policy of tax discount (4) to rise the price of insurance (5) to implement risk securitization (6) to rise the total compensation limit. And these results will be suggested to the government for reference.
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