臺灣博碩士論文加值系統

根據勞動部統計營造業勞工發生重大職業傷害的比例高於其他行業，罹災人數也高於其他產業，因此營造業勞工發生職災事故對勞工本人及其家庭的影響不容輕忽。勞工保險局2017年的統計顯示營造業勞工投保勞工保險人數為66萬4千人，投保率僅73.7%，而發生職業災害時，無保險之勞工將無法獲得任何保險給付。若營造業勞工能事先購買適當的保險商品，便能有效降低個人風險，穩定家庭生活經濟。本研究採用問卷調查的方式進行資料蒐集，調查營造業勞工的風險認知、保險涉入、知覺價值對保險購買意願之影響，共發放400份，有效問卷數為324份。所得資料以敘述性統計、獨立樣本t檢定、單因子變異數分析、皮爾森相關性分析、迴歸分析等多種方法進行研究與假設驗證。研究之結果發現營造業勞工的風險認知、保險涉入及知覺價值，皆對保險購買意願有正向影響。最後依據研究結果提出保險購買及後續研究的建議。

Based on the statistics from the Ministry of Labor, workers in the construction industry tend to have higher risks of serious occupational injury and suffer more casualties than those in other sectors. Therefore, influences of industrial accidents on construction workers and their families should not be overlooked. The statistics from the Bureau of Labor Insurance for 2017 show that 664,000 construction workers purchased labor insurance, amounting to a coverage rate of 73.7% only. When accidents occur, workers without insurance cannot claim any insurance compensation. If construction workers can purchase appropriate insurance policies in advance, they should be able to reduce personal risks effectively and secure the livelihood of their families. This research adopted the questionnaire survey method for data collection to study influences of construction workers’ risk perception, insurance involvement, and perceived value on insurance purchase intention, and a total of 400 questionnaires were distributed, of which 324 were validly returned. Study of the collected data and verification of hypotheses were carried using various methods including descriptive statistics, independent sample t test, one-way analysis of variance, Pearson correlation, and regression analysis. The results from the research show that construction workers’ risk perception, insurance involvement, and perceived value all correlate with insurance purchase intention positively. In the end, based on the results, recommendations for insurance purchase and further research are proposed.

摘要 i
Abstract ii
誌謝 iii
壹、 緒論 1
一、 研究動機 1
二、 研究目的 3
三、 研究範圍與限制 4
四、 研究流程 4
貳、 文獻探討 6
一、 職業災害與保險 6
二、 風險認知 12
三、 涉入 13
四、 知覺價值 16
五、 購買意願 18
參、 研究方法 21
一、 研究架構 21
二、 研究假設 22
三、 調查對象 23
四、 研究工具 23
五、 統計分析方法 27
肆、 研究結果 30
一、 信度與效度分析 30
二、 樣本敘述統計分析 31
三、 相關分析 48
四、 迴歸分析 50
伍、 結論與建議 52
一、 研究結論 52
二、 研究建議 57
參考文獻 60
英文部份 60
中文部份 63
附錄問卷 65

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