“…TMC is measured by the number of college students majoring in insurance. Education related to insurance determines professionalism, influencing the promotion efficiency of the technology; hence, the indicator reflects the investment and reserves of professional insurance human resources, which is closely related to the technical management ability of insurance operation [ 51 , 52 ]. This study uses 553.5, 1,000, and 1,446.5 as thresholds for fully out, crossover point, and fully in the TMC set.…”