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題名 提升意外保險部門之營運效率研究
IMPROVING OPERATIONAL EFFICIENCY OF A CASUALTY INSURANCE DEPARTMENT
作者 卓尚緯
Cho, Stewart
貢獻者 蔡政憲
Tsai, Jason
卓尚緯
Cho, Stewart
關鍵詞 運作效率
意外險
人工智慧
核心系統
員工訓練
Operational efficiency
Casualty insurance
Artificial Intelligence
Core system
Employee training
日期 2020
上傳時間 3-Aug-2020 17:45:49 (UTC+8)
摘要 While improving the operational efficiency of a casualty insurance department in the property insurance industry has been extensively investigated, increasing the performance and efficiency of an underwriting department in a life insurance company is relatively unexplored. The paper studies the improvement of efficiency of the casualty insurance department. The research focuses on how a non-life insurance company should change in order to improve the efficiency of its casualty insurance department from five different factors, which are artificial intelligence (AI) and robots, core systems, internal business processes and delegation of authority policy, employee training, and distribution channels and marketing strategies. Interview information from the participants is categorized in order to ascertain the respondent’s opinions are presented correctly. The findings suggest that property insurance companies could consider using AI or robots, introducing a new core system, giving a higher limit of authorities or delegation of authority for its branches to underwrite more insurance products, and providing training that employees needed to handle daily business routines. These findings have implications for non-life insurance companies to have plans or intend to evaluate what things they should do to increase performance and competitiveness from different perspectives.
參考文獻 Accenture. (2005). Driving high performance in government: Maximizing the value of public-sector shared services. Retrieved from https://www.njleg.state.nj.us/PropertyTaxSession/OPI/accenture.pdf
Aon Public Limited Company. (2019). Global risk management survey. Survey Report. Retrieved from https://www.aon.com/getmedia/8d5ad510-1ae5-4d2b-a3d0-e241181da882/2019-Aon-Global-Risk-Management-Survey-Report.aspx
Financial Stability Board. (2017, 11 1). Artificial intelligence and machine learning in financial services - Market developments and financial stability implications. Retrieved from https://www.fsb.org/wp-content/uploads/P011117.pdf
High-Level Expert Group on Artificial Intelligence. (2019, 4 8). Ethics guidelines for trustworthy AI. Brussels: European Commission. Retrieved from https://ec.europa.eu/newsroom/dae/document.cfm?doc_id=60419
Institute for Robotic Process Automation and Artificial Intelligence. (2019). Definition and benefits. Retrieved from Institute for Robotic Process Automation and Artificial Intelligence: https://irpaai.com/definition-and-benefits/
Krish, K., Lansing, J., Münstermann, B., Olesen, P. B., & Vogelgesang, U. (2019, 11 4). IT modernization in insurance: Three paths to transformation. Retrieved from McKinsey & Company: https://www.mckinsey.com/industries/financial-services/our-insights/it-modernization-in-insurance-three-paths-to-transformation#
Lacity, M., & Willcocks, L. (2016). Robotic process automation: The next transformation lever for shared services. The Outsourcing Unit (OU). Retrieved from http://www.umsl.edu/~lacitym/OUWP1601.pdf
On-the-job training. (2020, 05 14). Retrieved from In Wikipedia: https://en.wikipedia.org/wiki/On-the-job_training
Organisation for Economic Co-operation and Development. (2017). Technology and innovation in the insurance sector. Organisation for Economic Co-operation and Development. Retrieved from https://www.oecd.org/pensions/Technology-and-innovation-in-the-insurance-sector.pdf
Organisation for Economic Co-operation and Development. (2020). The impact of big data and artificial intelligence (AI) in the insurance sector. Organisation for Economic Co-operation and Development. Retrieved from www.oecd.org/finance/Impact-Big-Data-AI-in-the-Insurance-Sector.htm
Osinubi, F. (2018). Looking into the future: Leveraging the power of AI and robotics. PricewaterhouseCoopers (PwC). Retrieved from https://www.pwc.com/ng/en/assets/pdf/leveraging-power-ai-and-robotics.pdf
李靜宜(2020年01月03日)。IFRS 17即將上路,臺灣本土廠商推微服務架構的保險資訊系統轉換解決方案。iThome。取自https://www.ithome.com.tw/news/135167
金融監督管理委員會(2019年03月28日)。上市(櫃)公司近期應遵循之新規範及相關措施。金融監督管理委員會。取自 https://www.fsc.gov.tw/ch/home.jsp?id=96&parentpath=0,2&mcustomize=news_view.jsp&dataserno=201903280001&toolsflag=Y&dtable=News
金融監督管理委員會保險局(2020年03月30日)。109年1月保險市場重要指標。取自https://www.ib.gov.tw/uploaddowndoc?file=statistics/202003301316550.pdf&filedisplay=202001%E6%8C%87%E6%A8%990305_%E5%90%AB%E5%85%AC%E5%BC%8F%E5%8A%A0%E9%A0%81_%E6%AD%A3%E5%BC%8F_final%E5%80%BC.pdf&flag=doc
洪榮昭(1991)。人力資源發展:企業培養人才之道。臺北市:師大書苑。
財團法人保險事業發展中心(2020年05月17日)。保險財務業務統計。取自 https://www.tii.org.tw/tii/information/information1/000001.html
財團法人資訊工業策進會(2020)。108年度「人工智慧(AI)技術導入對金融服務業之勞動法制影響調查」委託研究。勞動部委託研究(編號:108-MOL-010303)。勞動部。
楊芳苓、曾耀民(2020年3月18日)。農業保險法草案。立法院(編號:B01498),未出版。取自https://www.ly.gov.tw/Pages/Detail.aspx?nodeid=5249&pid=192711
楊純瑜(2012)。激勵因素、學習型組織、教育訓練、個人生涯規劃與工作績效關聯性之研究-以A保險公司員工為例。國立高雄應用科技大學企業管理系碩士在職專班碩士論文,(頁 49)。高雄市。取自https://hdl.handle.net/11296/nb68cc
楊絡懸(2020年05月08日)。「壽險大魔王」IFRS 17延至2023年!台灣預計2026年1月上路 保險業還有6年時間準備。ETtoday新聞雲。取自https://www.ettoday.net/news/20200318/1670927.htm
資誠聯合會計師事務所(2020)。兆豐產物保險股份有限公司財務報告暨會計師查核報告民國108 年度及107 年度。臺北市。取自 https://ins-info.ib.gov.tw/customer/Info2-8.aspx?UID=03090217
廖述源(2007)。財產保險經營。臺北市:財團法人保險事業發展中心。
描述 碩士
國立政治大學
國際經營管理英語碩士學位學程(IMBA)
106933028
資料來源 http://thesis.lib.nccu.edu.tw/record/#G0106933028
資料類型 thesis
dc.contributor.advisor 蔡政憲zh_TW
dc.contributor.advisor Tsai, Jasonen_US
dc.contributor.author (Authors) 卓尚緯zh_TW
dc.contributor.author (Authors) Cho, Stewarten_US
dc.creator (作者) 卓尚緯zh_TW
dc.creator (作者) Cho, Stewarten_US
dc.date (日期) 2020en_US
dc.date.accessioned 3-Aug-2020 17:45:49 (UTC+8)-
dc.date.available 3-Aug-2020 17:45:49 (UTC+8)-
dc.date.issued (上傳時間) 3-Aug-2020 17:45:49 (UTC+8)-
dc.identifier (Other Identifiers) G0106933028en_US
dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/131038-
dc.description (描述) 碩士zh_TW
dc.description (描述) 國立政治大學zh_TW
dc.description (描述) 國際經營管理英語碩士學位學程(IMBA)zh_TW
dc.description (描述) 106933028zh_TW
dc.description.abstract (摘要) While improving the operational efficiency of a casualty insurance department in the property insurance industry has been extensively investigated, increasing the performance and efficiency of an underwriting department in a life insurance company is relatively unexplored. The paper studies the improvement of efficiency of the casualty insurance department. The research focuses on how a non-life insurance company should change in order to improve the efficiency of its casualty insurance department from five different factors, which are artificial intelligence (AI) and robots, core systems, internal business processes and delegation of authority policy, employee training, and distribution channels and marketing strategies. Interview information from the participants is categorized in order to ascertain the respondent’s opinions are presented correctly. The findings suggest that property insurance companies could consider using AI or robots, introducing a new core system, giving a higher limit of authorities or delegation of authority for its branches to underwrite more insurance products, and providing training that employees needed to handle daily business routines. These findings have implications for non-life insurance companies to have plans or intend to evaluate what things they should do to increase performance and competitiveness from different perspectives.en_US
dc.description.tableofcontents 1. Introduction 1
1.1. Research Background Information 1
1.2. Purpose of Research 2
1.3. Research Questions 3
1.4. Overview of the Paper 3
2. Method 4
2.1. Participants 4
2.2. Questionnaire 5
2.3. Data Collection Procedure 5
2.4. Analyses of Interview Results 6
3. Background Information of the Research Companies 7
3.1. Overview of the X Company 7
3.2. Structure and Responsibility of the Casualty Insurance Department in the X Company 8
3.3. Current Issues about Operations in Casualty Insurance Department of the X Company 8
4. The Five Factors to Improve the Operational Efficiency of the Casualty Insurance Department 11
4.1. Artificial Intelligence and Robot 11
4.1.1. Overview of Artificial Intelligence and Robot in Insurance Industry 11
4.1.2. Applications of Artificial Intelligence and Robot 13
4.1.3. Possible Outcomes of Using AI or Robot in Insurance Industry 15
4.1.4. Robotic Process Automation (RPA) 19
4.2. Core Systems 23
4.2.1. Possible Business Drivers of Core Systems in Insurance Industry 24
4.2.2. Possible Benefits of Legacy Systems Modernization 26
4.2.3. Core Systems’ Future Applications 29
4.3. Internal Business Processes and Delegation of Authority Policy 30
4.3.1. The Purpose of Establishing the Delegation of Authority Policy 30
4.3.2. The Purpose of Underwriting in the Insurance Industry 31
4.3.3. Operational Policy, Underwriting Policy, and Underwriting Guidelines in the Insurance Industry 32
4.3.4. Underwriting Performance Evaluation Metrics 33
4.4. Employee Training 34
4.4.1. The Purpose of Employee Training 34
4.4.2. Types of Employee Training 35
4.4.3. Possible Benefits of Providing Employee Training 39
4.4.4. Suggested Training for an Underwriter 41
4.5. Distribution Channels and Marketing Strategies 43
4.5.1. Overview of Distribution Channels in Non-Life Insurance Market 43
4.5.2. Marketing Strategies in the Non-Life Insurance Industry 45
4.5.3. Evaluation of Marketing Performance 46
5. Research Results and Analysis 48
5.1. Research Design 48
5.2. Research Findings 49
6. Conclusions 55
6.1. Conclusions 55
6.2. Recommendations 56
6.3. Limitations of the Study 58
6.4. Suggestions for Future Research 59
References 60
Appendix 64
zh_TW
dc.format.extent 1161100 bytes-
dc.format.mimetype application/pdf-
dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0106933028en_US
dc.subject (關鍵詞) 運作效率zh_TW
dc.subject (關鍵詞) 意外險zh_TW
dc.subject (關鍵詞) 人工智慧zh_TW
dc.subject (關鍵詞) 核心系統zh_TW
dc.subject (關鍵詞) 員工訓練zh_TW
dc.subject (關鍵詞) Operational efficiencyen_US
dc.subject (關鍵詞) Casualty insuranceen_US
dc.subject (關鍵詞) Artificial Intelligenceen_US
dc.subject (關鍵詞) Core systemen_US
dc.subject (關鍵詞) Employee trainingen_US
dc.title (題名) 提升意外保險部門之營運效率研究zh_TW
dc.title (題名) IMPROVING OPERATIONAL EFFICIENCY OF A CASUALTY INSURANCE DEPARTMENTen_US
dc.type (資料類型) thesisen_US
dc.relation.reference (參考文獻) Accenture. (2005). Driving high performance in government: Maximizing the value of public-sector shared services. Retrieved from https://www.njleg.state.nj.us/PropertyTaxSession/OPI/accenture.pdf
Aon Public Limited Company. (2019). Global risk management survey. Survey Report. Retrieved from https://www.aon.com/getmedia/8d5ad510-1ae5-4d2b-a3d0-e241181da882/2019-Aon-Global-Risk-Management-Survey-Report.aspx
Financial Stability Board. (2017, 11 1). Artificial intelligence and machine learning in financial services - Market developments and financial stability implications. Retrieved from https://www.fsb.org/wp-content/uploads/P011117.pdf
High-Level Expert Group on Artificial Intelligence. (2019, 4 8). Ethics guidelines for trustworthy AI. Brussels: European Commission. Retrieved from https://ec.europa.eu/newsroom/dae/document.cfm?doc_id=60419
Institute for Robotic Process Automation and Artificial Intelligence. (2019). Definition and benefits. Retrieved from Institute for Robotic Process Automation and Artificial Intelligence: https://irpaai.com/definition-and-benefits/
Krish, K., Lansing, J., Münstermann, B., Olesen, P. B., & Vogelgesang, U. (2019, 11 4). IT modernization in insurance: Three paths to transformation. Retrieved from McKinsey & Company: https://www.mckinsey.com/industries/financial-services/our-insights/it-modernization-in-insurance-three-paths-to-transformation#
Lacity, M., & Willcocks, L. (2016). Robotic process automation: The next transformation lever for shared services. The Outsourcing Unit (OU). Retrieved from http://www.umsl.edu/~lacitym/OUWP1601.pdf
On-the-job training. (2020, 05 14). Retrieved from In Wikipedia: https://en.wikipedia.org/wiki/On-the-job_training
Organisation for Economic Co-operation and Development. (2017). Technology and innovation in the insurance sector. Organisation for Economic Co-operation and Development. Retrieved from https://www.oecd.org/pensions/Technology-and-innovation-in-the-insurance-sector.pdf
Organisation for Economic Co-operation and Development. (2020). The impact of big data and artificial intelligence (AI) in the insurance sector. Organisation for Economic Co-operation and Development. Retrieved from www.oecd.org/finance/Impact-Big-Data-AI-in-the-Insurance-Sector.htm
Osinubi, F. (2018). Looking into the future: Leveraging the power of AI and robotics. PricewaterhouseCoopers (PwC). Retrieved from https://www.pwc.com/ng/en/assets/pdf/leveraging-power-ai-and-robotics.pdf
李靜宜(2020年01月03日)。IFRS 17即將上路,臺灣本土廠商推微服務架構的保險資訊系統轉換解決方案。iThome。取自https://www.ithome.com.tw/news/135167
金融監督管理委員會(2019年03月28日)。上市(櫃)公司近期應遵循之新規範及相關措施。金融監督管理委員會。取自 https://www.fsc.gov.tw/ch/home.jsp?id=96&parentpath=0,2&mcustomize=news_view.jsp&dataserno=201903280001&toolsflag=Y&dtable=News
金融監督管理委員會保險局(2020年03月30日)。109年1月保險市場重要指標。取自https://www.ib.gov.tw/uploaddowndoc?file=statistics/202003301316550.pdf&filedisplay=202001%E6%8C%87%E6%A8%990305_%E5%90%AB%E5%85%AC%E5%BC%8F%E5%8A%A0%E9%A0%81_%E6%AD%A3%E5%BC%8F_final%E5%80%BC.pdf&flag=doc
洪榮昭(1991)。人力資源發展:企業培養人才之道。臺北市:師大書苑。
財團法人保險事業發展中心(2020年05月17日)。保險財務業務統計。取自 https://www.tii.org.tw/tii/information/information1/000001.html
財團法人資訊工業策進會(2020)。108年度「人工智慧(AI)技術導入對金融服務業之勞動法制影響調查」委託研究。勞動部委託研究(編號:108-MOL-010303)。勞動部。
楊芳苓、曾耀民(2020年3月18日)。農業保險法草案。立法院(編號:B01498),未出版。取自https://www.ly.gov.tw/Pages/Detail.aspx?nodeid=5249&pid=192711
楊純瑜(2012)。激勵因素、學習型組織、教育訓練、個人生涯規劃與工作績效關聯性之研究-以A保險公司員工為例。國立高雄應用科技大學企業管理系碩士在職專班碩士論文,(頁 49)。高雄市。取自https://hdl.handle.net/11296/nb68cc
楊絡懸(2020年05月08日)。「壽險大魔王」IFRS 17延至2023年!台灣預計2026年1月上路 保險業還有6年時間準備。ETtoday新聞雲。取自https://www.ettoday.net/news/20200318/1670927.htm
資誠聯合會計師事務所(2020)。兆豐產物保險股份有限公司財務報告暨會計師查核報告民國108 年度及107 年度。臺北市。取自 https://ins-info.ib.gov.tw/customer/Info2-8.aspx?UID=03090217
廖述源(2007)。財產保險經營。臺北市:財團法人保險事業發展中心。
zh_TW
dc.identifier.doi (DOI) 10.6814/NCCU202000750en_US