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題名 論現行國際間對AI應用之政策及規範—以保險業為例
A Study on the Current International Policies and Regulations on AI Applications: A Case Study of the Insurance Industry作者 陳律芸
Chen, Lyu-Yun貢獻者 馮震宇
陳律芸
Chen, Lyu-Yun關鍵詞 人工智慧
AI
金融業
保險科技
Artificial intelligence
AI
Financial industry
Insurtech日期 2024 上傳時間 4-九月-2024 13:59:29 (UTC+8) 摘要 2023年為人工智慧元年，隨著科技進步，人工智慧的應用已從過去單純的以自動化取代簡單人力，進步到如今用以輔助決策之人工智慧，另外，尚有以生成、輸出內容為特色的生成式人工智慧。面對人工智慧技術之不斷進步，各國政府和各產業也嘗試透過各樣方法導入人工智慧，成為各產業既有問題之解方，或甚至促成產業升級和產業中的通用技術，並在過程中發展出各產業所屬之科技，例如金融科技相關之人工智慧和智能醫療等等。 我國也透過政策和相關立法推動科技之應用，而金融科技發展路徑圖從1.0至目前2.0的版本，也已成功地推動我國金融科技進步，尤其是數位化方面。而面對人工智慧時代來臨，其他世界上相對發展成熟之國家也透過不同的立法模式進行風險管理，並嘗試兼顧創新。在眾多產業中，保險業作為金融業的一環，其決策涉及財產特性，且決策基礎往往仰賴大量數據，因此，人工智慧的導入成為其產業升級的關鍵。 又，歐、美、英等世界上人工智慧規範發展相對成熟之國家之所以能夠在保險業中導入人工智慧，其原因不僅僅為其立法注重資料治理、不公平和歧視、透明度和可解釋性等議題之處理，亦和雲端資料庫之開放和政策有關。對於我國保險業目前已有人工智慧導入的情形，以及未來保險業甚或其他金融業可能將有更多人工智慧導入之趨勢，立法和政策上更應著重現有法規的解釋以及考量專法或原則的設立，以因應未來更多人工智慧之應用和發展。
2023 marks the inception of the AI era in the world. With advancements in technology, the application of artificial intelligence has evolved from simply automating basic human tasks to aiding decision-making processes. Additionally, there is generative AI, characterized by its ability to generate and output contents. In response to the continuous advancements in AI technology, governments and various industries worldwide are exploring ways to integrate AI to address existing challenges, drive industry upgrades, and establish AI as a general-purpose technology. This has led to the development of industry-specific technologies, such as AI in fintech and smart healthcare. As to Taiwan, our country has also been promoting the application of technology through policies and relevant legislation. The FinTech Development Roadmap, from version 1.0 to the current 2.0, has successfully advanced our country's fintech progress, especially in digitalization. With the advent of the AI era, other countries with more development in relevant technology are also implementing risk management through various legislative models, striving to achieve the innovation simultaneously. The insurance industry, as part of the financial sector, involves decision-making related to asset characteristics and often relies on large amounts of data. Therefore, the integration of AI has become a key factor in the industry's upgrade. Moreover, the reason why countries with relatively mature AI regulations, such as those in Europe, the United States, and the United Kingdom, can integrate AI into the insurance industry is not only because their legislation addresses issues such as data governance, fairness and discrimination, transparency, and explainability, but also due to the openness and policies regarding cloud databases. 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國立政治大學
科技管理與智慧財產研究所
110364209資料來源 http://thesis.lib.nccu.edu.tw/record/#G0110364209 資料類型 thesis dc.contributor.advisor 馮震宇 zh_TW dc.contributor.author (作者) 陳律芸 zh_TW dc.contributor.author (作者) Chen, Lyu-Yun en_US dc.creator (作者) 陳律芸 zh_TW dc.creator (作者) Chen, Lyu-Yun en_US dc.date (日期) 2024 en_US dc.date.accessioned 4-九月-2024 13:59:29 (UTC+8) - dc.date.available 4-九月-2024 13:59:29 (UTC+8) - dc.date.issued (上傳時間) 4-九月-2024 13:59:29 (UTC+8) - dc.identifier (其他 識別碼) G0110364209 en_US dc.identifier.uri (URI) https://nccur.lib.nccu.edu.tw/handle/140.119/153131 - dc.description (描述) 碩士 zh_TW dc.description (描述) 國立政治大學 zh_TW dc.description (描述) 科技管理與智慧財產研究所 zh_TW dc.description (描述) 110364209 zh_TW dc.description.abstract (摘要) 2023年為人工智慧元年，隨著科技進步，人工智慧的應用已從過去單純的以自動化取代簡單人力，進步到如今用以輔助決策之人工智慧，另外，尚有以生成、輸出內容為特色的生成式人工智慧。面對人工智慧技術之不斷進步，各國政府和各產業也嘗試透過各樣方法導入人工智慧，成為各產業既有問題之解方，或甚至促成產業升級和產業中的通用技術，並在過程中發展出各產業所屬之科技，例如金融科技相關之人工智慧和智能醫療等等。 我國也透過政策和相關立法推動科技之應用，而金融科技發展路徑圖從1.0至目前2.0的版本，也已成功地推動我國金融科技進步，尤其是數位化方面。而面對人工智慧時代來臨，其他世界上相對發展成熟之國家也透過不同的立法模式進行風險管理，並嘗試兼顧創新。在眾多產業中，保險業作為金融業的一環，其決策涉及財產特性，且決策基礎往往仰賴大量數據，因此，人工智慧的導入成為其產業升級的關鍵。 又，歐、美、英等世界上人工智慧規範發展相對成熟之國家之所以能夠在保險業中導入人工智慧，其原因不僅僅為其立法注重資料治理、不公平和歧視、透明度和可解釋性等議題之處理，亦和雲端資料庫之開放和政策有關。對於我國保險業目前已有人工智慧導入的情形，以及未來保險業甚或其他金融業可能將有更多人工智慧導入之趨勢，立法和政策上更應著重現有法規的解釋以及考量專法或原則的設立，以因應未來更多人工智慧之應用和發展。 zh_TW dc.description.abstract (摘要) 2023 marks the inception of the AI era in the world. With advancements in technology, the application of artificial intelligence has evolved from simply automating basic human tasks to aiding decision-making processes. Additionally, there is generative AI, characterized by its ability to generate and output contents. In response to the continuous advancements in AI technology, governments and various industries worldwide are exploring ways to integrate AI to address existing challenges, drive industry upgrades, and establish AI as a general-purpose technology. This has led to the development of industry-specific technologies, such as AI in fintech and smart healthcare. As to Taiwan, our country has also been promoting the application of technology through policies and relevant legislation. The FinTech Development Roadmap, from version 1.0 to the current 2.0, has successfully advanced our country's fintech progress, especially in digitalization. With the advent of the AI era, other countries with more development in relevant technology are also implementing risk management through various legislative models, striving to achieve the innovation simultaneously. The insurance industry, as part of the financial sector, involves decision-making related to asset characteristics and often relies on large amounts of data. Therefore, the integration of AI has become a key factor in the industry's upgrade. Moreover, the reason why countries with relatively mature AI regulations, such as those in Europe, the United States, and the United Kingdom, can integrate AI into the insurance industry is not only because their legislation addresses issues such as data governance, fairness and discrimination, transparency, and explainability, but also due to the openness and policies regarding cloud databases. Given the current implementation of AI in our insurance industry and the potential trend of increased AI integration in the insurance and other financial sectors, the legislation and policy should place greater emphasis on the interpretation of existing regulations and the consideration of establishing specialized laws or principles to address the future applications and developments of artificial intelligence. en_US dc.description.tableofcontents 謝辭 i 摘要 iii Abstract v 目錄 I 圖目錄 IV 表目錄 V 第一章 緒論 1 第一節 研究背景 1 第二節 研究動機與目的 4 第三節 研究問題 7 第四節 研究方法與限制 8 第五節 研究架構 9 第二章 人工智慧發展現況與趨勢 10 第一節 概說 10 第二節 AI之特性 12 第三節 傳統式AI、增強式AI和生成式AI 15 第一項 傳統式AI 15 第二項 增強式AI和生成式AI 17 第四節 人工智慧發展現況和未來趨勢 21 第一項 人工智慧之國際發展現況和未來趨勢 21 第二項 人工智慧於我國發展現況和未來趨勢 24 第五節 小結 35 第三章 國際間對人工智慧之規範與政策 36 第一節 概說 36 第二節 歐盟 38 第三節 英國 57 第四節 美國 71 第五節 小結 89 第四章 國際間對人工智慧於金融業應用之規範與政策 91 第一節 概說 91 第二節 金融業與保險業導入人工智慧之議題 92 第三節 歐洲之相關法規和政策 94 第四節 英國之相關法規和政策 102 第五節 美國之相關法規和政策 107 第六節 小結 112 第五章 增強式人工智慧於保險業的應用—以德商慕尼黑再保險公司之自動化核保系統為例 114 第一節 概說 114 第二節 德商慕尼黑再保險公司之介紹 115 第三節 自動化核保系統之介紹 117 第四節 使用自動化核保系統之影響 121 第五節 個案分析 123 第六節 小結 125 第六章 結論與建議 126 第一節 研究結論 126 第二節 本文建議 129 參考文獻 132 zh_TW dc.format.extent 3505014 bytes - dc.format.mimetype application/pdf - dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0110364209 en_US dc.subject (關鍵詞) 人工智慧 zh_TW dc.subject (關鍵詞) AI zh_TW dc.subject (關鍵詞) 金融業 zh_TW dc.subject (關鍵詞) 保險科技 zh_TW dc.subject (關鍵詞) Artificial intelligence en_US dc.subject (關鍵詞) AI en_US dc.subject (關鍵詞) Financial industry en_US dc.subject (關鍵詞) Insurtech en_US dc.title (題名) 論現行國際間對AI應用之政策及規範—以保險業為例 zh_TW dc.title (題名) A Study on the Current International Policies and Regulations on AI Applications: A Case Study of the Insurance Industry en_US dc.type (資料類型) thesis en_US dc.relation.reference (參考文獻) 參考文獻 一、 中文文獻 1. 第十屆保險卓越獎得獎專刊 (2023). 2. 人工智慧發展法草案, 立法院議案關係文書. 院總字第1021號委員提案第28966號: 405. 3. 人工智慧發展基本法草案,立法院議案關係文書. 院 總 字 第 1021 號委員提案第23371 121. 4. . 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