藝術品保險契約設計之研究-以台灣公營博物館為例

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2014

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本研究以保險契約訂立的雙方資訊不對稱為出發點,每當理賠事故發生時,就會產生爭議,這種現象即為契約一方的認知落差,而且保險購買者對保障內容的辨識能力及需求程度迥然不同的情況下所致,相較於資訊透明化,對風險結構、保險費用以及訂立保險契約雙方的決策行為與整體社會經濟的影響。 本研究主要目的是政府機構與保險公司談判時,所訂定的保險合約,應如何達到公平合理的交易。 鑒於政府機構的談判代表,多數為公務人員,並非出資者,所以政府機構不易獲得公平合理的保險費用,往往浪費公帑而達不到保險之正確效益。 本研究以國內三家公營博物館之抽樣保單做量化評量表,試圖建立保險人與被保險人,雙方合理價格的契約內容,以達到建立誠實的市場道德與清廉的政府境界。
The research is derived from the information asymmetry over insurance contract between the assurd and the insurer of Art insurance policies. The disputes could be argued repeatedly for different acknowledge on contract wordings due to some loss occurrd could not be imagined on contract concluded or the coverage of contract has not clearly defined. Therefore, the Insurer would take the case to court to finalized the solutions in practices, and it would substantialy influence the righteous developing of Art insurance need. This research depicts some cases of Taiwan public museums insurance contract of Exihibition Risks planning as main study.To find out the contracts could be a fair and appropriate Insurance contract, furthurmore. Trying to develop a more suitable and fair contract for future business deals. From the research, there are some fine tunes could be modified on domestic Art insurance contracts. It might be referred to some advanced countries and defined its Art insurance policies as a national standard policy.

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Keywords

藝術品保險, 資訊不對稱, 代理制度, 運送人責任險, Fine Arts Insurance, Information Asymmetry, Agent System, Carriers Liability Insurance

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