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年度	103	專案性質	非實驗性質
專案類別	研究專案	研究主題	評估
申請機構	健行科技大學	申請系所	財務金融系所
專案主持人	曾真真	職等/職稱	教授
專案中文名稱	環境污染保險之需求與願付價值
中文關鍵字	環境污染保險；願付價值；需求分析；污染損害責任保險；自有場址整治保險
專案英文名稱	The Demand of Environmental Insurance and Willingness to Pay
英文關鍵字	pollution insurance；willingness to pay；demand analysis；environmental impairment liability insurance；own site clean-up insurance
執行金額
執行期間	2013/11/25 至 2014/11/24
計畫中文摘要	價值是交易的核心，消費者購買財貨或服務會主觀認定的價值，而以貨幣形 式表示其願意支付的價格，即為願付價值。事實上，保險公司設計環境污染保險 係依費率基礎精算出保險費，惟所估算出的保險費是否落於潛在污染者願付價值 的區間，將直接影響潛在污染者購買環境污染保險的意願，亦攸關環境污染保險 能否順利推動。基於此，本計畫擬以加油站業者為研究對象，探討其對環境污染 保險之願付價值。 相較於連鎖加盟業者，個別加盟業在遭遇災害更無法因應，特別需要協助其 規劃妥適的保險機制。基於此，本研究擬以本島的個別加盟加油站業者為施測對 象，剔除地區性的重複業者加油者，共發放 999 份問卷，有效問卷計 302 份。 分別採單界二分選擇模型及雙界二分選擇模型推估願付價值，分析結果顯示加油 站業者願付金額介於 92,159 元至 96,761 元，落於業者精算的價格區間，故實證 結果支持環境污染保險推動的可行性。
計畫英文摘要	Value is the core of transactions. When purchasing goods and service, consumers will have a subjective value, which is then turned into the monetary form as the willingness to pay. In fact, insurance companies use the rate base to accurately calculate the insurance premium when designing the environmental pollution insurance program. However, whether the calculated premium is below the willingness to pay of consumers will directly affect their purchase intention, which then determines the success of the environmental pollution insurance. Therefore, this study will target gas stations and explore their willingness to pay for environmental pollution insurance. Compared with franchised gas stations, independentlyowned gas stations are less able to respond when facing disasters and especially in need of help in planning a suitable insurance mechanism. Therefore, this study targets independently owned gas stations in Taiwan and distributes 999 questionnaires. 302 returned copies are valid. Single-bounded dichotomous choice model and double-bounded dichotomous choice model are both used to estimate the willingness to pay. The analytic results indicate that the willingness to pay of gas station operators is between NTD 92,159 to NTD 96,761, which is within the price region calculated by operators. Hence, the empirical results support the feasibility to promote environmental pollution insurance.