| 摘要: | 藝術品借展對美術館的效用而言，可達到教育延伸、文化交流、促進經濟效益及資源共享的目的。對保險公司而言，也帶來良好的商機，藝術品藉由保險公司的承保，得以降低因展演活動產生之相關風險問題。由此可看出，藝術品獲得保險的保障，可積極活絡藝術品借展的發展與效益，又可消極的保障借展單位及藝術品毀損的風險。然而在國內，保險公司對藝術品的承保認定標準，在核保選擇上，各有其不同的承保方式與設限，尤其對公部門與私部門所屬藝術品的認知與評定，亦有相當的認定差距。其次，美術館與保險公司也未有一套互信機制的建立，為何有如此的現象，乃為本研究所欲探討的主題。 本研究方法，採質化研究為主要方式，針對藝術品借展與保險關係，蒐集相關資料進行分析與探討，文獻不足部分藉由保險公司、美術館相關業務承辦人員及一般畫廊承辦過展覽的工作人員，透過深度訪談，將問題加以分析與歸納。為有效分析資料，首先將保險公司針對藝術品借展的承攬模式、概況以及基本原則進行案例探討，然後針對藝術品風險管理的作用與步驟，討論藝術品之典藏、展覽、運送中風險與保險的關係，藉以歸納出國內現行藝術品投保的合約機制。雖然保險公司對美術館的保險業務，各有其承攬與經營的基本方式，但最終目的還是為了營利，就美術館選擇保險公司方面礙於國內法令問題，致使無法選擇國外的保險公司，而屈就於國內業者。因此，國內如何培養出專業鑑定人員以及放寬對國外保險公司的認定，似有助於內國內藝術品保險現況的改進。 本論文共分為六個章節：第一章為緒論，說明研究動機、研究範圍與限制、研究方法與限制、文獻回顧及名詞釋義。第二章為保險公司針對藝術品借展的承攬模式，將對藝術品借展的效用、保險公司承攬藝術品的概況，及保險公司承攬的基本原則與模式，進行研究與探討，希望能在藝術品借展所產生的功能與效益，進一步闡述與研究。第三章為藝術品借展的風險與風險管理，以風險管理的概念、風險管理的步驟以及藝術品之典藏、展覽、運送中的過程其可能發生的風險與保險的關係，藉此探討因風險所衍生的問題與保險之相關問題。第四章就借展品投保的合約機制，討論借展流程、合約書的主要規則、國內現行藝術品借出入的條件與權限制定，再論評鑑機制的問題分析。第五章為藝術品保險個案研究，以國美館的借展與展演活動為分析對象，就個案進行研究與探討，分析其風險、效益與安全問題。第六章為結論與建議，希望藉由本論文研究與分析，提供爾後藝術品借展活動之建議與參考。
The loan exhibition of works of arts, for the museum itself, is the extension of education. It can promote the communications of cultures, economic development and resource sharing as well. It can also bring about business opportunity for the insurance company and reduce the risk resulting from the loan exhibition. It can be seen that the insurance for the works of arts can make positive effectiveness to the development and utility of loan exhibition of works of arts and the reasonable insurance will be covered in the case of any damages to the works of arts. However, in the domestic market, insurance companies have different underwriting standards of their own for the works of arts, and this is especially divided for the recognition and assessment of works of arts belonging to the public and private sectors. Another problem is that a mutual-trust mechanism between the museum and the insurance company has not been established yet. Therefore, this thesis focuses on this issue. This thesis adopts the logical study as a primary means to collect data regarding the relationship between the loan exhibition of works of arts and the insurance and proceeds with the analysis and research. There are also intensive interviews with the insurance companies and employees working in the museums and galleries in case that more documents are needed. The first step to effectively analyzing the data collected is to have a case study on the underwriting modes, status and basic principles of the insurance companies for the loaning exhibition of works of arts, then it is followed by the discussion of risk management for the loaning exhibition of works of arts, collection and exhibition of works of arts, and the relation between the insurance and risk resulting from the conveyance of works of arts. All these lead to the discussion of the contract mechanism of the current insurance for the works of arts in Taiwan. Albeit there are different insurance underwriting types for different insurance companies, running for profit is the ultimate goal for these insurance companies. As for the museums, foreign insurance companies are excluded and domestic insurance companies are their sole options when they seek the insurance companies, due to the domestic regulations. Therefore, cultivating more professional independent rating agencies and deregulation of the foreign insurance companies will improve the current domestic status of the insurance for the works of arts. There are six chapters in this thesis. Chapter 1, Introduction, includes the research motive, research scope and limitations, research methods and limitations, literature and terminology. Chapter 2 includes the underwriting types and principles of insurance companies for the loan exhibition of works of arts, utility of loan exhibition of works of arts and current underwriting status of insurance companies for the works of arts. Chapter 3 includes the risk management of the loan exhibition of works of arts, explaining the details of the risk management, the collection of works of arts, exhibition and the relation between the insurance and risk incurred during the conveyance of works of arts. Chapter 4 includes the contract mechanism for the loan exhibition of works of arts, discussing the procedures for the loan exhibition, details of the contract, current limitations of the loan exhibition in Taiwan and problem review. Chapter 5 includes a case study for the National Museum, discussing issues about risk, utility and safety. Chapter 6 includes the conclusion and suggestions, providing useful suggestions for the loan exhibition of works of arts. |
