On the Study of Examining Decision Factors of Auto Physical Underwriting by Use of Analytic Hierarchy Process

• Main Authors: Hsiang-Ju Hunag, 黃相茹
• Other Authors: Ming-Che Sung
• Format: Others
• Language: zh-TW
• Published: 2008
• Online Access: http://ndltd.ncl.edu.tw/handle/d5cp2t

碩士 === 銘傳大學 === 風險管理與保險學系碩士班 === 96 === The underwriting is one of important functions for insurance operations. Auto insurance is a major business in all property insurance business. Hence, auto underwriting is especially noteworthy. Both what factors influence auto underwriting decision and what dimensions should be considered in auto underwriting decision are the focus for this study. The study uses the analytic hierarchy process method to examine underwriting decision factors of auto physical insurance. The conclusions are as follows: 1. The technical, economic and social &political dimensions should be considered in auto underwriting decision. Furthermore, there are 25 influencing factors in auto underwriting decision. 2. Both the underwriting process factor and the underwriting profit or loss factor significantly influence auto underwriting decision. 3. For technical dimension, the accident history factor is a major factor, the age of driver factor is a sub-factor in all influencing factors; For economic dimension, the underwriting process factor is a major factor, the underwriting profit or loss factor is a sub-factor in all influencing factors; For social &political dimension, the experience factor is a major factor, the culture factor is a sub-factor in all influencing factors.