如何發展台灣航空保險市場－從國際航空保險市場的經驗來看How to Develop Aviation Insurance Market in Taiwan: in Terms of Experienc

摘要
航空事業是一個高風險的產業，它具有損失頻率較小、損失幅度卻較大的風險特質，因此適合採用保險來移轉風險。台灣的航空製造產業和保險產業起步較慢，且市場小，因此航空保險市場，一直是保險業者不重視的領域，承保能量很小，將大部分的風險轉移至國際保險市場。過度依賴國外的保險市場，會減少保險業者的核保利潤，或間接增加航空業者的風險成本。由於國際的航空保險市場的形成，並不是一蹴可幾的，必須有相關的法律、經濟、與社會環境與之配合，方能促成。本文藉由航空保險的特質、歷史、運作與現況分析，從而提出對政府、保險業者及航空業者的建議，俾在處理保險或發展航空保險事業時的參考。本文研究之建議有如下四項：提高飛機製造研發能力、制定完整的航保法規、提供完整的保險產業的組織架構、培養航空保險人才。
關鍵字：航空保險、航空保險業、勞伊茲保險市場
Abstract
The operation risk of transportation enterprise is high. It is applicable to use insurance to transfer operation risk. The aviation insurance always is a domain which the insurance companies do not take result to the insurance capacity is small due to the Taiwans aviation manufacture and aviation insurance industry are advanced later than other countries whose insurance or aviation industry is developed. Excessively relying on the overseas aviation insurance market to transfer the domestic aviation risk would reduce underwriting profit of insurer, or indirectly increase airline’s risk cost. This paper analyses the properties, history, operation and present situation of the important international aviation insurance market to offer government, insurers, and airlines some suggestions. The propositions of this research include: sharpening the airplane manufacturers’ research and development ability, formulating integrity aviation insurance law and regulation, structuring the aviation insurance industry organization, and raising professional aviation insurance talents.
Keywords: aviation insurance, aviation insurance industry, Lloyd’s insurance market