| Summary: | 碩士 === 銘傳大學 === 風險管理與保險學系碩士在職專班 === 100 === This study mainly provides an effective framework focus on evaluation of Motor Insurance coverage combination and probes whether Taiwan Motor Insurance underwriting profit had achieved efficient frontier or not for past 8 years. The Markowitz Mean-Variance Portfolio Model is adopted and the data of underwriting and claim of Motor Insurance from 2002 to 2009 were collected in order to analyze the performance of Motor Insurance coverage combination.
The result revealed that
1. Taiwan Motor Insurance underwriting profit had not achieved efficient frontier from 2002 to 2009 for the past 8 years.
2. The underwriting policies of Taiwan insurers are basically business-oriented which are not abide by profitability as the criteria to select business currently.
3. Under the influence of highly competition after deregulation, supervision agency or insurers have faced the topic of set up the criteria of insurance company assessment which is very important and urgent.
Finally, in order to ensure the insurers might not find the way out or endanger the result of Motor Insurance in the process of deregulation, besides of introducing new concepts e.g. the portfolio theory and efficient frontier of coverage combination, the academic research or supervisor announce are also very important for reference.
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