Please use this identifier to cite or link to this item:
https://ah.lib.nccu.edu.tw/handle/140.119/36731| DC Field | Value | Language |
|---|---|---|
| dc.contributor.advisor | 林建智 | zh_TW |
| dc.contributor.advisor | Lin, J.J. | en_US |
| dc.contributor.author | 陳宏政 | zh_TW |
| dc.contributor.author | Chen, Hung Cheng | en_US |
| dc.creator | 陳宏政 | zh_TW |
| dc.creator | Chen, Hung Cheng | en_US |
| dc.date | 2002 | en_US |
| dc.date.accessioned | 2009-09-18T11:23:55Z | - |
| dc.date.available | 2009-09-18T11:23:55Z | - |
| dc.date.issued | 2009-09-18T11:23:55Z | - |
| dc.identifier | G0090932807 | en_US |
| dc.identifier.uri | https://nccur.lib.nccu.edu.tw/handle/140.119/36731 | - |
| dc.description | 碩士 | zh_TW |
| dc.description | 國立政治大學 | zh_TW |
| dc.description | 風險管理與保險研究所 | zh_TW |
| dc.description | 90932807 | zh_TW |
| dc.description | 91 | zh_TW |
| dc.description.abstract | 中文摘要\n鑒於我國保險業為因應全球金融快速變革及市場競爭下的生存發展，全面推動保險監理現代化已是刻不容緩之事。而其中保險商品審查規定及審查效率是保險主管機關與保險業者角力的焦點之一。主管機關如何在協助保險業者快速的將商品推向市場與保障消費者權益間取得平衡的深奧學問，其中又以保險商品審查制度的良莠是主要關鍵因素。\n\n美國保險監理官協會 (NAIC)於西元2000年的施政宣言中，將協助保險業者”加速審查保險商品” (Speed to Market)列為保險監理現代化最重要施政目標之一。”加速審查保險商品” 涉及保險商品審查制度之流程改善及作業簡化等問題，除了從制度面著手改革外，美國保險監理官協會並建置資訊系統 (SERFF)，將保險商品審查流程到導入電子化作業，不僅大幅提昇審查效率，更為業者及主管機關節省了大量紙張、郵遞、保存及調閱成本。\n\n本研究將針對我國保險商品審查制度電子化進行探討，透過美國監理官協會之保險商品審查制度要求及電子化之工作模式探討，提出我國保險商品審查制度電子化之建議方案，作為保險監理現代化議題之參考。\n\n關鍵詞：保險商品審查制度，Speed to Market，CARFRA，SERFF，Filing。 | zh_TW |
| dc.description.abstract | Abstract\nFueled by enhanced technology and globalization, the world financial markets are undergoing rapid changes. The nation`s economy of Republic of China (R.O.C.) is struck after we had joined WTO, more and more serve situation we got to face.\n\nIn order to protect insurance consumers of the future, insurance regulators are very careful to review filings, in the other hand, regulators have the responsibility to help insurance company to meet internationally competitive financial services marketplace. How to made the regulation have addressed that marketplace efficiently and effectively, insurance product approval process is need for modernization.\n\nThe Statement of Intent of NAIC (National Association of Insurance Commissioners) in Year 2000 national regulatory first priority is “Speed to Market”. The working group took steps to improve speed to market for insurance products. This would include development and implementation of a system to re-engineering insurance product approval process. NAIC planned to built up SERFF (System for Electronic Rate and Form Filing) that offer a number of advantages for regulators and insurance companies seeking to get products to market in a timely manner. In fact, the SERFF system saved more money in great amount of documents, delivery cost and time saving in filing process.\n\n This paper attempts to study the opportunity of electronic insurance product filing in R.O.C., and suggests a solution for regulation modernization.\n\nKeywords: Speed to Market, CARFRA, SERFF, and Filing. | en_US |
| dc.description.tableofcontents | 論文目次\n第一章 緒論\n第一節 研究動機..………………………………………………..1\n第二節 研究方法..………………………………………………..2\n第三節 研究範圍..………………………………………………..3\n第四節 研究限制..………………………………………………..3\n第五節 研究架構..………………………………………………..4\n\n第二章 美國NAIC保險商品審查制度介紹\n第一節 NAIC保險商品審查制度革新…………………………….5\n第二節 廣告費率及保單審查協調小組(CARFRA)\n一、 背景說明...………………………………………………7\n二、 計畫執行人員資格………………………………………7\n三、 標準化保險商品…………………………………………9\n四、 CARFRA角色說明………………………..……….……9\n五、 CARFRA審查程序………………………..……….…10\n第三節 州審查系統改進工作小組(Improvement to State-Based System)\n一、 背景說明..……………………………………………...13\n二、 工作目標..……………………………………………13\n三、 執行步驟..……………………………………………13\n四、 商業險及個人險建議..………………………………...14\n第四節 電子費率及保單申請系統(SERFF)\n一、 背景說明..……………………………………………...16\n二、 使用SERFF的優點…………………………………...17\n三、 加入SERFF的程序…………………………………...18\n四、 SERFF審查運作………………………………….…...19\n五、 保險商品送審資料傳送………………………….…....20\n六、 送審資料接收與審查…………………………………. 22\n七、 SERFF電子金融轉帳…………………………………25\n八、 SERFF服務與支援……………………………………27\n九、 SERFF開發成本及收費方式…………………………28\n十、 SERFF效益分析………………………………………29\n十一、 SERFF問題分析…………………………………….32\n第五節 小結……………………………………………………….36\n\n第三章 我國保險商品審查制度現況分析\n第一節 財產保險商品審查\n一、 財產保險標準名稱………………………………….…39\n二、 簽署人員資格………………………………….………39\n三、 採備查制審查………………………………….………39\n四、 採核備制審查………………………………….………40\n五、 採核准制審查………………………………….………40\n六、 送審應檢附之文件…………………………….……… 41\n七、 財產保險商品審查流程…………………………….… 42\n八、 財產保險商品審查退件原則…………………………. 42\n九、 業者及簽署人員違反審查要點之處分………………. 44\n十、 財產保險商品審查大會審查原則備忘錄……………. 44\n十一、 財產保險商品審查評分表…………………………..47\n第二節 人身保險商品審查\n一、 人身保險標準名稱………………………………….…49\n二、 簽署人員資格………………………………….………49\n三、 採備查制審查………………………………….………50\n四、 採核備制審查………………………………….………51\n五、 採核准制審查………………………………….………51\n六、 送審應檢附之文件…………………………….………51\n七、 人身保險商品審查流程…………………………….…52\n八、 人身保險商品審查退件原則………………………….52\n九、 業者及簽署人員違反審查要點之處分……………….54\n十、 人身保險商品審查評分表…………………………….54\n第三節 投資型保險商品審查\n一、 投資型人身保險之定義……………………………….56\n二、 投資型人壽保險送審應注意事項…………………….57\n三、 投資型年金保險送審應注意事項…………………….59\n四、 投資型保險商品審查標準化作業流程……………….61\n第四節 小結……………………………………………………….65\n\n第四章 我國保險商品審查制度電子化優劣分析\n第一節 我國保險商品審查制度與NAIC比較…………………..67\n第二節 我國保險商品審查制度缺失\n一、 商品審查制度僵化…………………………………….69\n二、 審查資源嚴重不足…………………………………….72\n三、 創新商品未受保障…………………………………….72\n四、 商品研發水準不一…………………………………….73\n五、 示範條款不合時宜…………………………………….74\n六、 資訊系統尚未建構…………………………………….74\n第三節 保險商品審查電子化之優缺點\n一、 電子化之優點………………………………………….76\n二、 電子化之缺點………………………………………….77\n第四節 小結……………………………………………………….78\n\n第五章 我國保險商品審查資訊系統規劃\n第一節 系統概述………………………………………………….79\n第二節 系統需求………………………………………………….80\n第三節 系統範圍………………………………………………….81\n第四節 系統架構\n一、 系統整體架構………………………………………….82\n二、 系統功能說明………………………………………….84\n第五節 作業規劃\n一、 系統作業分類………………………………………….88\n二、 系統作業說明………………………………………….89\n第六節 資訊安全\n一、 系統安控機制…………………………………………112\n二、 憑證機構及註冊服務…………………………………112\n三、 憑證申請………………………………………………115\n四、 憑證展期………………………………………………117\n五、 憑證註銷………………………………………………119\n第七節 成本及效益分析\n一、 成本分析……………………………………………...121\n二、 效益分析……………………………………………...125\n第八節 小結……………………………………………………...128\n\n第六章 結論與建議\n第一節 結論……………………………………………………...129\n第二節 建議……………………………………………………...132\n\n附錄 保險業導入知識管理案例分析\n第一節 前言……………………………………………………...135\n第二節 AIU保險會社導入知識管理……………………………136\n第三節 住友生命保險相互會社………………………………139\n第四節 第一生命保險相互會社………………………………141\n\n附件\n附件一 聲明書(備查制適用)……………………………….…145\n附件二 財產保險商品內容說明書……………………………146\n附件三 產物保險公司財產保險商品自行審查聲明書………148\n附件四 產物保險公司(合作社)新種商品保單條款………….152\n附件五 產險公司組合或修改商品保單條款………………..153\n附件六 產險公司送審商品保單條款第O次複審…...…………..154\n附件七 財產保險商品審查會審查結論…...…………………155\n附件八 費率計算說明書…...…………………………………156\n附件九 人身保險商品內容說明書…...………………………159\n附件十 人壽保險公司(局)保險商品報部聲明書……...……..160\n附件十一 計算說明書、費率表及相關報表..…...……………161\n附件十二 人身保險商品署精算人員評估意見暨聲明書……163\n附件十三 人身保險商品自行審核表..…...…………………..164\n附件十四 備查制財產保險商品形式審查表..……………….165\n附件十五 核備制財產保險商品形式審查表..……………….166\n附件十六 核准制財產保險商品形式審查表..……………….169\n附件十七 財產保險商品審查評分表..……………………….182\n附件十八 人身保險商品審查評分表..……………………….183\n\n參考資料\n法律條文………………………………………………………...185\n中文文獻………………………………………………………...185\n英文文獻………………………………………………………...186\n\n圖次\n圖1-1 本研究架構……...…………………………….…………...…..4\n圖2-1 CARFRA審查流程示意圖...……..…….……………………11\n圖2-2 SERFF審查運作示意圖.….….….….………………………19\n圖2-3 送審文件轉換及接收………………………………………...20\n圖2-4 保險商品送審前作業流程…………………………………...20\n圖2-5 州政府收件櫃檯之管理……………………………………...22\n圖2-6 州政府審查管理者作業流程………………………………...23\n圖2-7 審查作業流程………………………………………………...25\n圖2-8 SERFF EFT作業流程……………………………………….26\n圖3-1 財產保險商品審查流程圖…………………………………...43\n圖3-2 人身保險商品審查流程圖…………………………………...53\n圖3-3 投資型保險商品審查流程圖………………………………...64\n圖5-1 保險商品審查系統整體架構圖……………………………...82\n圖5-2 保險商品審查系統功能架構圖……………………………...85\n圖5-3 保險商品送審系統功能示意圖……………………………...85\n圖5-4 電子金融轉帳服務(自行轉帳)……………………………….86\n圖5-5 電子金融轉帳服務(跨行轉帳)……………………………….86\n圖5-6 保險商品審核系統功能示意圖……………………………...87\n圖5-7 安控與傳輸系統功能流程圖………………………………...87\n圖5-8 保險公司基本資料登錄作業流程圖………………………...90\n圖5-9 送審文件清單作業流程圖…………………………………...93\n圖5-10 送審作業流程圖………………………….…………………95\n圖5-11 電子金融轉帳作業流程圖………………………………….97\n圖5-12 掛號作業流程圖..……………………………..…………….99\n圖5-13 初審作業流程圖…………………………………………...101\n圖5-14 複審作業流程圖…………………….……………………..103\n圖5-15 簽核作業流程圖…………………….……………………..105\n圖5-16 維護作業流程圖…………………………………………...107\n圖5-16 電子簽章申請作業流程圖………….…………………….109\n圖5-18 資料傳輸作業流程圖………………………………………111\n圖5-19 憑證機構及註冊中心……………………………………...112\n圖5-20 憑證申請作業流程………………………………………...115\n圖5-21 憑證展期申請作業流程…………………………………...117\n圖5-22 憑證註銷申請作業流程…………………………………...119\n圖5-23 主從式架構圖(Client-Server)…..……………………….122\n圖5-23 EOI (EDI over Internet)….….……………………………123\n圖5-25 J2EE (JAVA 2)架構圖….…………………………………124\n圖6-1 保險商品審查制度之電子化建置流程與步驟..………….132\n圖附錄-1 日本AIU歷年營業額及產品分布情形…………………136\n圖附錄-2 日本AIU之知識管理系統之運作模式…………………137\n圖附錄-3 住友生命保險知識入口網站運作模式…………………140\n圖附錄-4 第一生命保險客戶需求情報中心運作模式……………142\n\n\n\n表次\n表2-1 CARFRA角色扮演說明….……………………….…………10\n表2-2 SERFF發展過程……………………………………………..17\n表2-3 美國各州使用SERFF接受審查之險種情形……………….29\n表4-1 我國保險商品審查制度與NAIC之比較表………………….67\n表5-1 系統架構比較表….…..……………………………………..125\n表5-2 歷年保險商品送審件數…………………………………….126 | zh_TW |
| dc.language.iso | en_US | - |
| dc.source.uri | http://thesis.lib.nccu.edu.tw/record/#G0090932807 | en_US |
| dc.subject | 保險商品審查制度 | zh_TW |
| dc.subject | Speed to Market | en_US |
| dc.subject | CARFRA | en_US |
| dc.subject | SERFF | en_US |
| dc.subject | Filing | en_US |
| dc.title | 保險商品審查制度電子化之研究 | zh_TW |
| dc.type | thesis | en |
| dc.relation.reference | 參考資料 | zh_TW |
| dc.relation.reference | 法律條文： | zh_TW |
| dc.relation.reference | 1. 人身保險商品審查要點，中華民國八十九年十二月三十日財政部(89)台財保第0890751452號函修正發布。 | zh_TW |
| dc.relation.reference | 2. 財產保險商品審查要點，中華民國八十九年十二月三十日財政部(89)台財保第0890751452號函修正發布。 | zh_TW |
| dc.relation.reference | 3. 投資型保險商品管理規則，中華民國九十年十二月二十一日財政部(90)台財保第0900712668號令訂定發布。 | zh_TW |
| dc.relation.reference | 4. 電子簽章法，中華民國九十年十一月十四日總統府公告，自九十一年四月一日行政院院臺經字第0910080314號令。 | zh_TW |
| dc.relation.reference | 5. 營業秘密法，中華民國八十五年一月十七日總統華總字第8500008780號令制定。 | zh_TW |
| dc.relation.reference | 中文文獻： | zh_TW |
| dc.relation.reference | 1. 台灣網路認證股份有限公司，台灣網路認證股份有限公司憑證實務作業基準，第1.2版，2002年11月。 | zh_TW |
| dc.relation.reference | 2. 何全德，從電子簽章法淺談電子化政府PKI信賴機制之建立，第三屆2001年「網際空間：資訊、法律與社會」學術研究暨實務研討會論文集，p.1-10，2001年12月24日。 | zh_TW |
| dc.relation.reference | 3. 林建智，我國保險商品審查制度之研究與建議期末報告，保險事業發展中心，2003年1月23日。 | zh_TW |
| dc.relation.reference | 4. 林建智，保險商品銷售前程序作業準則及資料庫之建立，保險事業發展中心，2001年12月。 | zh_TW |
| dc.relation.reference | 5. 政府憑證管理中心，政府憑證管理中心憑證實作準則，行政院研究發展考核委員會，第1版，1998年2月7日。 | zh_TW |
| dc.relation.reference | 6. 洪國興，從信用卡內外碼被盜賣談資訊安全，中華民國資經理人協會會務通訊，第55期，p.25-30，2002年11月25日。 | zh_TW |
| dc.relation.reference | 7. 謝銘洋，網路發展與著作權應有之因應，第三屆2001年「網際空間：資訊、法律與社會」學術研究暨實務研討會論文集， p.41-50，2001年12月24日。 | zh_TW |
| dc.relation.reference | 8. 勤業管理顧問公司，知識管理推行實務，商周出版，2001年2月1日初版。 | zh_TW |
| dc.relation.reference | 9. 伍忠賢、王建彬，知識管理策略與實務，聯經出版事業公司，2001年4月初版。 | zh_TW |
| dc.relation.reference | 10. 王如哲，知識管理的理論與應用─以教育領域及其革新為例，五南圖書出版有限公司，2000年12月初版。 | zh_TW |
| dc.relation.reference | 英文文獻： | zh_TW |
| dc.relation.reference | 1. ABOBE, National Association of Insurance Commissioners (NAIC), http://www.chinapdf.com/subspotlight13.htm, last visited 2003/4/28. | zh_TW |
| dc.relation.reference | 2. ACLI, Final Report of the ACLI: Task Force on Product Regulation, http://www.web2.acli.com/public/media/content/speed121400b.htm, last visited 2003/4/28. | zh_TW |
| dc.relation.reference | 3. ACLI, Statement of the ACLI: The Need for Modernization, http://www.web2.acli.com/media/release/2001/nr062101a_att.htm, last visited 2003/4/28. | zh_TW |
| dc.relation.reference | 4. CARFRA, CARFRA Filing - Preliminary Draft, http://www.carfra.org/demo/carfra_process.pdf, last visited 2003/4/28. | zh_TW |
| dc.relation.reference | 5. CARFRA, CARFRA Filing Procedures for State Reviews & Industry Filers, http://www.carfra.org/documents/proedures_manual.pdf, last visited 2003/4/28. | zh_TW |
| dc.relation.reference | 6. CARFRA, CARFRA Minimum Experience and Education Requirements, http://www.carfra.org/documents/carfra_minimumexperience.pdf, last visited 2003/4/28. | zh_TW |
| dc.relation.reference | 7. CARFRA, Individual and Group Medicare Supplement Policy Form Standards (Excludes Medicare Select Policy Forms), http://www.carfra.org/products/medsup.pdf, Last visited 2003/4/28 | zh_TW |
| dc.relation.reference | 8. CARFRA, Individual Flexible Premium Deferred Annuity Contract Standards (with bonus, no indexing, not modified guaranteed), http://www.carfra.org/products/annuity.pdf, Last visited 2003/4/28. | zh_TW |
| dc.relation.reference | 9. CARFRA, Individual Flexible Premium Universal Life Insurance Standards, http://www.carfra.org/documents/ulstds.pdf, last visited 2003/4/28. | zh_TW |
| dc.relation.reference | 10. CARFRA, Individual Term Life Policy Standards, http://www.carfra.org/products/term.pdf, Last visited 2003/4/28 | zh_TW |
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| item.fulltext | No Fulltext | - |
| item.grantfulltext | none | - |
| item.languageiso639-1 | en_US | - |
| item.openairetype | thesis | - |
| item.openairecristype | http://purl.org/coar/resource_type/c_46ec | - |
| item.cerifentitytype | Publications | - |
| Appears in Collections: | 學位論文 | |
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