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Swiss Re Economic Research & Consulting 38

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7,289 8,893

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44

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46

2016/10/26

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1,316,272

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4747Swiss Re, Sigma

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4949Swiss Re, Sigma

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2016/10/26

26

10 CPI

CPI1% 4.28%

Prem% = 0.1532 - 4.2796 * CPI%(t-1) + E R2 = 0.39

L.Prem% = 0.1626 - 4.4381 * CPI%(t-1) + E R2 = 0.38

NL.Prem% = 0.0541 - 3.2290 * CPI%(t-1) + E R2 = 0.57

(t-1) CPI % CPI %(t-1)Prem % 0.299142 -0.472989 -0.351482 -0.630447

L.Prem % 0.275068 -0.464476 -0.356559 -0.613484NL.Prem % 0.359350 -0.107378 -0.247831 -0.758280

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Phase I Phase II Phase III Phase IV

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201065% 2016 1

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58

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2016/10/26

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─

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Capgemini 20122014 (22%) (21%)

(20%) (18%) (16%) (15%)

Positive Customer Satisfaction vs. Positive Customer Experience in Insurance, 2012

Source 2012 Insurance Voice of the Customer Survey, Capgemini

2016/10/26

31

61

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Swiss Re, Sigma

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62

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( )ITU( ) 2013 27 68

( )2015 ( )

GOMAJI 10Gartner( ) 2014 APP 7002014/2/19 Facebook 190 WhatsApp

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http://www.tii.org.tw