Study of Insurance Arrangement in High-Tech Industry

• Main Authors: Shih-Ting Lee, 李世定
• Other Authors: Bou-Wen Lin
• Format: Others
• Language: zh-TW
• Published: 2006
• Online Access: http://ndltd.ncl.edu.tw/handle/93164887286591336044

碩士 === 國立清華大學 === 高階主管經營管理碩士在職專班 === 94 === The high technologies industry at Taiwan suffers from the fire wreck havoc frequently. It keeps the insurances industry suffer from an intense impact on its domestic and foreign insurances market. The high technologies industry offer great contribution to our economy growth, which means when the high technologies industry faced the management risk, the Taiwan economy growth rate may suffers seriously. The insurance industry may also out of business due to they are inquired to insure this high technology industry. Because of the domestic and foreign (reinsurers) insurance market have been encountered several big catastrophes, causes the insurance market faded largely, therefore; if the high technology industry does not improve the quality of risk management, the huge property value of them will disappear if only relies on (reinsurers) insures companies. Even the high technology industry can receives the sufficient sources of wealth from the insurance company to provide the sufficient source of wealth to recover from the disaster, finally be compelled and withdraw from the competitive market, this aspects should not our final target, there upon, "guarded against the substitution afterwards to make up the call in anticipation" gradually to get up, and cooperate with industry characteristic to use loss control mechanism the risk management method, to most had risk of disperser cost the economic efficiency, truly reduced loss scope and the loss frequency the enterprise, research motive this subject initiation this article, actually high tech industry so large amount property value, did the insurers have how to plan and the assistance match with the industrial most urgent demand. This article, by case study, in view of a company of the high technology industry in the way of insurance flow, the use inspect the correlation property insurance policy and of personnel examining a case the interview insurance company interior high tech industry primarily, in addition, take the related connection to the literature reorganization analysis as the assistance. The affiliation personally shows the whole insurance plan process by the personnel examining a case: Really surveys, underwriting, reinsurance, clime, loss control and so on to dig out the high technology industry flaw of the risk management. The result of this essay discovered the high technology industry administer shall has to reinforce the loss control and the risk management. The suggestion to carry out the risk management system and the loss control the anti-soft hardware was the integrated construction primarily, key of the its true realization “enterprise culture of recognition and attitude of risk management”, therefore the insurance company eliminated the insurance plan which the plan was suitable, also provided consultation and the training education of the correlation, emphasized the realization of loss control mechanism is the key implementation through all employees. Regarding the real property of insurance is to increase the add-on value of insurance commodity and the penetration of the improvement of risk management through marginal service and comes out the win-win situation for the insurance company and its clients.