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    Please use this identifier to cite or link to this item: http://ir.lib.ncu.edu.tw/handle/987654321/1444


    Title: 從營造工程施工風險認知觀點探討臺灣地區營造綜合保險對營造業經營發展之影響;Impact of Development of Construction Industry by Contractors’ All Risk Insurance Using Cognition Viewpoint of Construction Risk
    Authors: 劉文琦;Wen-chi Sun
    Contributors: 土木工程學系碩士在職專班
    Keywords: 問卷;營造綜合保險;因素分析;影響因子;風險;impact factor.;Risk;insurance;questionnaire;factor analysis
    Date: 2007-06-27
    Issue Date: 2009-09-21 09:29:20 (UTC+8)
    Publisher: 國立中央大學圖書館
    Abstract: 隨著經濟發展,工程之規模及工程費用日益龐大,相對在施工階段之風險也跟著提高,一旦發生工程災害也相對較為嚴重,影響層面相對而言也較廣泛。目前國內工程業主普遍將工程風險以契約方式移轉給承攬營造廠商,而營造綜合保險則為工程界應用最普遍的施工風險轉移工具,營造綜合保險引進國內已四十餘年,是否達到營造廠商施工風險的轉移的效能,或只是營造廠商只是為了符合合約的要求而購買。本研究之主要目的在於藉由問卷分析,利用風險認知之心理衡量模式以探討台灣地區工程業主及營造業界對於施工風險的認知程度及營造綜合保險的認同程度,做為工程業主在發包營造工程時有關營造綜合保險發包策略建議;另外,本研究就營造業經營之風險面、市場面、社會面、工程技術面、產業面、經營管理面、環境面探討營造綜合保險對於營造產業之經營所造成的影響與問題,經由營造綜合保險及營造業經營相關文獻,推論出影響營造業經營主要因素,並將這些因素整理為產業發展、營造公司經營、營造從業人員、營造業經營發展、產業形象及等五大構面,並進一步分析營造綜合保險對於營造業經營發展影響因素,作為營造業在評估營造綜合保險採購以及產險業者在推展營造綜合保險業務之參考。 本研究回收所得問卷之資料以SPSS 10.0統計軟體進行實證分析,首先針對工程業主及營造業進行差異性交叉分析。分析結果,工程業主及營造業界對於施工風險的認知程度及營造綜合保險的認同程度並無明顯差異;另以因素分析法探討營造綜合保險對於營造業之經營發展之影響因素,所得結果營造綜合保險對於營造業之經營發展可歸納為三項主要影響因素,因素一:營造業產業發展與公司經營;因素二:勞工權益與營建管理;因素三:社會責任。因此,經由實證結果建議營造業應善加利用營造綜合保險作為作為施工風險轉移之工具,有助於營造業承擔風險健全公司經營的能力、維護的勞工權益與增進營建管理能力及避免社會大眾因恐懼工程災害造成生命財產損失之社會責任;保險業者可針對因素分析結果了解客戶的需求強化相關方面之服務,協助營造業將施工風險作適當的轉移,加強風險管理能力,減少事故發生件數及理賠率,不僅可增加產險業之獲利,更有助於營造業長久之經營發展。 The contractors’ all risk insurance has gradually been popular since past four decades. Nowadays most large-sized construction projects are requested to include this kind insurance of which many owners of small-to medium-sized projects have also been aware. The insurance provides risk hedging through contracting and, by its broad use in, the business cycle of the construction industry might be slightly recovered. This study focuses on the identification of impact by the use of the contractors’ all risk insurance in the construction industry. After having the comprehensive literature reviews on construction risks, insurance practices, and development of the industry, a survey, based on a Likert 5-scale-questionnaire method, and statistical analyses, inclusive of description statistics and factor analysis, were used to explore and examine the impact factors. 117 returns out of approximate 400 questionnaires point out that each level of construction practitioners are acceptably aware of this issue according to the reliability and validity analysis. Through the initial 5 hypotheses, the factor extraction concludes 3 components to clearly identify the development impact of the construction industry by contractors’ all risk insurance.
    Appears in Collections:[土木工程學系碩士在職專班] 博碩士論文

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