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題名 保險商品審查制度電子化之研究
作者 陳宏政
Chen, Hung Cheng
貢獻者 林建智
Lin, J.J.
陳宏政
Chen, Hung Cheng
關鍵詞 保險商品審查制度
Speed to Market
CARFRA
SERFF
Filing
日期 2002
上傳時間 18-Sep-2009 19:23:55 (UTC+8)
摘要 中文摘要
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。

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。

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。

關鍵詞：保險商品審查制度，Speed to Market，CARFRA，SERFF，Filing。
Abstract
Fueled 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.

In 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.

The 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.

This paper attempts to study the opportunity of electronic insurance product filing in R.O.C., and suggests a solution for regulation modernization.

Keywords: Speed to Market, CARFRA, SERFF, and Filing.
參考文獻 參考資料
法律條文：
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。
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。
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。
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。
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。
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描述 碩士
國立政治大學
風險管理與保險研究所
90932807
91
資料來源 http://thesis.lib.nccu.edu.tw/record/#G0090932807
資料類型 thesis
dc.contributor.advisor 林建智zh_TW
dc.contributor.advisor Lin, J.J.en_US
dc.contributor.author (Authors) 陳宏政zh_TW
dc.contributor.author (Authors) Chen, Hung Chengen_US
dc.creator (作者) 陳宏政zh_TW
dc.creator (作者) Chen, Hung Chengen_US
dc.date (日期) 2002en_US
dc.date.accessioned 18-Sep-2009 19:23:55 (UTC+8)-
dc.date.available 18-Sep-2009 19:23:55 (UTC+8)-
dc.date.issued (上傳時間) 18-Sep-2009 19:23:55 (UTC+8)-
dc.identifier (Other Identifiers) G0090932807en_US
dc.identifier.uri (URI) https://nccur.lib.nccu.edu.tw/handle/140.119/36731-
dc.description (描述) 碩士zh_TW
dc.description (描述) 國立政治大學zh_TW
dc.description (描述) 風險管理與保險研究所zh_TW
dc.description (描述) 90932807zh_TW
dc.description (描述) 91zh_TW
dc.description.abstract (摘要) 中文摘要
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。

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。

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。

關鍵詞：保險商品審查制度，Speed to Market，CARFRA，SERFF，Filing。		zh_TW
dc.description.abstract (摘要) Abstract
Fueled 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.

In 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.

The 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.

This paper attempts to study the opportunity of electronic insurance product filing in R.O.C., and suggests a solution for regulation modernization.

Keywords: Speed to Market, CARFRA, SERFF, and Filing.		en_US
dc.description.tableofcontents 論文目次
第一章 緒論
第一節 研究動機..………………………………………………..1
第二節 研究方法..………………………………………………..2
第三節 研究範圍..………………………………………………..3
第四節 研究限制..………………………………………………..3
第五節 研究架構..………………………………………………..4

第二章 美國NAIC保險商品審查制度介紹
第一節 NAIC保險商品審查制度革新…………………………….5
第二節 廣告費率及保單審查協調小組(CARFRA)
一、 背景說明...………………………………………………7
二、 計畫執行人員資格………………………………………7
三、 標準化保險商品…………………………………………9
四、 CARFRA角色說明………………………..……….……9
五、 CARFRA審查程序………………………..……….…10
第三節 州審查系統改進工作小組(Improvement to State-Based System)
一、 背景說明..……………………………………………...13
二、 工作目標..……………………………………………13
三、 執行步驟..……………………………………………13
四、 商業險及個人險建議..………………………………...14
第四節 電子費率及保單申請系統(SERFF)
一、 背景說明..……………………………………………...16
二、 使用SERFF的優點…………………………………...17
三、 加入SERFF的程序…………………………………...18
四、 SERFF審查運作………………………………….…...19
五、 保險商品送審資料傳送………………………….…....20
六、 送審資料接收與審查…………………………………. 22
七、 SERFF電子金融轉帳…………………………………25
八、 SERFF服務與支援……………………………………27
九、 SERFF開發成本及收費方式…………………………28
十、 SERFF效益分析………………………………………29
十一、 SERFF問題分析…………………………………….32
第五節 小結……………………………………………………….36

第三章 我國保險商品審查制度現況分析
第一節 財產保險商品審查
一、 財產保險標準名稱………………………………….…39
二、 簽署人員資格………………………………….………39
三、 採備查制審查………………………………….………39
四、 採核備制審查………………………………….………40
五、 採核准制審查………………………………….………40
六、 送審應檢附之文件…………………………….……… 41
七、 財產保險商品審查流程…………………………….… 42
八、 財產保險商品審查退件原則…………………………. 42
九、 業者及簽署人員違反審查要點之處分………………. 44
十、 財產保險商品審查大會審查原則備忘錄……………. 44
十一、 財產保險商品審查評分表…………………………..47
第二節 人身保險商品審查
一、 人身保險標準名稱………………………………….…49
二、 簽署人員資格………………………………….………49
三、 採備查制審查………………………………….………50
四、 採核備制審查………………………………….………51
五、 採核准制審查………………………………….………51
六、 送審應檢附之文件…………………………….………51
七、 人身保險商品審查流程…………………………….…52
八、 人身保險商品審查退件原則………………………….52
九、 業者及簽署人員違反審查要點之處分……………….54
十、 人身保險商品審查評分表…………………………….54
第三節 投資型保險商品審查
一、 投資型人身保險之定義……………………………….56
二、 投資型人壽保險送審應注意事項…………………….57
三、 投資型年金保險送審應注意事項…………………….59
四、 投資型保險商品審查標準化作業流程……………….61
第四節 小結……………………………………………………….65

第四章 我國保險商品審查制度電子化優劣分析
第一節 我國保險商品審查制度與NAIC比較…………………..67
第二節 我國保險商品審查制度缺失
一、 商品審查制度僵化…………………………………….69
二、 審查資源嚴重不足…………………………………….72
三、 創新商品未受保障…………………………………….72
四、 商品研發水準不一…………………………………….73
五、 示範條款不合時宜…………………………………….74
六、 資訊系統尚未建構…………………………………….74
第三節 保險商品審查電子化之優缺點
一、 電子化之優點………………………………………….76
二、 電子化之缺點………………………………………….77
第四節 小結……………………………………………………….78

第五章 我國保險商品審查資訊系統規劃
第一節 系統概述………………………………………………….79
第二節 系統需求………………………………………………….80
第三節 系統範圍………………………………………………….81
第四節 系統架構
一、 系統整體架構………………………………………….82
二、 系統功能說明………………………………………….84
第五節 作業規劃
一、 系統作業分類………………………………………….88
二、 系統作業說明………………………………………….89
第六節 資訊安全
一、 系統安控機制…………………………………………112
二、 憑證機構及註冊服務…………………………………112
三、 憑證申請………………………………………………115
四、 憑證展期………………………………………………117
五、 憑證註銷………………………………………………119
第七節 成本及效益分析
一、 成本分析……………………………………………...121
二、 效益分析……………………………………………...125
第八節 小結……………………………………………………...128

第六章 結論與建議
第一節 結論……………………………………………………...129
第二節 建議……………………………………………………...132

附錄 保險業導入知識管理案例分析
第一節 前言……………………………………………………...135
第二節 AIU保險會社導入知識管理……………………………136
第三節 住友生命保險相互會社………………………………139
第四節 第一生命保險相互會社………………………………141

附件
附件一 聲明書(備查制適用)……………………………….…145
附件二 財產保險商品內容說明書……………………………146
附件三 產物保險公司財產保險商品自行審查聲明書………148
附件四　產物保險公司(合作社)新種商品保單條款………….152
附件五　產險公司組合或修改商品保單條款………………..153
附件六　產險公司送審商品保單條款第O次複審…...…………..154
附件七　財產保險商品審查會審查結論…...…………………155
附件八　費率計算說明書…...…………………………………156
附件九　人身保險商品內容說明書…...………………………159
附件十　人壽保險公司(局)保險商品報部聲明書……...……..160
附件十一　計算說明書、費率表及相關報表..…...……………161
附件十二　人身保險商品署精算人員評估意見暨聲明書……163
附件十三　人身保險商品自行審核表..…...…………………..164
附件十四　備查制財產保險商品形式審查表..……………….165
附件十五　核備制財產保險商品形式審查表..……………….166
附件十六　核准制財產保險商品形式審查表..……………….169
附件十七　財產保險商品審查評分表..……………………….182
附件十八　人身保險商品審查評分表..……………………….183

參考資料
法律條文………………………………………………………...185
中文文獻………………………………………………………...185
英文文獻………………………………………………………...186

圖次
圖1-1 本研究架構……...…………………………….…………...…..4
圖2-1 CARFRA審查流程示意圖...……..…….……………………11
圖2-2 SERFF審查運作示意圖.….….….….………………………19
圖2-3 送審文件轉換及接收………………………………………...20
圖2-4 保險商品送審前作業流程…………………………………...20
圖2-5 州政府收件櫃檯之管理……………………………………...22
圖2-6 州政府審查管理者作業流程………………………………...23
圖2-7 審查作業流程………………………………………………...25
圖2-8 SERFF EFT作業流程……………………………………….26
圖3-1 財產保險商品審查流程圖…………………………………...43
圖3-2 人身保險商品審查流程圖…………………………………...53
圖3-3 投資型保險商品審查流程圖………………………………...64
圖5-1 保險商品審查系統整體架構圖……………………………...82
圖5-2 保險商品審查系統功能架構圖……………………………...85
圖5-3　保險商品送審系統功能示意圖……………………………...85
圖5-4　電子金融轉帳服務(自行轉帳)……………………………….86
圖5-5　電子金融轉帳服務(跨行轉帳)……………………………….86
圖5-6 保險商品審核系統功能示意圖……………………………...87
圖5-7 安控與傳輸系統功能流程圖………………………………...87
圖5-8 保險公司基本資料登錄作業流程圖………………………...90
圖5-9 送審文件清單作業流程圖…………………………………...93
圖5-10 送審作業流程圖………………………….…………………95
圖5-11 電子金融轉帳作業流程圖………………………………….97
圖5-12 掛號作業流程圖..……………………………..…………….99
圖5-13 初審作業流程圖…………………………………………...101
圖5-14 複審作業流程圖…………………….……………………..103
圖5-15 簽核作業流程圖…………………….……………………..105
圖5-16 維護作業流程圖…………………………………………...107
圖5-16 電子簽章申請作業流程圖………….…………………….109
圖5-18 資料傳輸作業流程圖………………………………………111
圖5-19 憑證機構及註冊中心……………………………………...112
圖5-20 憑證申請作業流程………………………………………...115
圖5-21 憑證展期申請作業流程…………………………………...117
圖5-22 憑證註銷申請作業流程…………………………………...119
圖5-23 主從式架構圖(Client-Server)…..……………………….122
圖5-23 EOI (EDI over Internet)….….……………………………123
圖5-25 J2EE (JAVA 2)架構圖….…………………………………124
圖6-1 保險商品審查制度之電子化建置流程與步驟..………….132
圖附錄-1 日本AIU歷年營業額及產品分布情形…………………136
圖附錄-2 日本AIU之知識管理系統之運作模式…………………137
圖附錄-3 住友生命保險知識入口網站運作模式…………………140
圖附錄-4 第一生命保險客戶需求情報中心運作模式……………142



表次
表2-1 CARFRA角色扮演說明….……………………….…………10
表2-2 SERFF發展過程……………………………………………..17
表2-3 美國各州使用SERFF接受審查之險種情形……………….29
表4-1 我國保險商品審查制度與NAIC之比較表………………….67
表5-1 系統架構比較表….…..……………………………………..125
表5-2 歷年保險商品送審件數…………………………………….126		zh_TW
dc.language.iso en_US-
dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0090932807en_US
dc.subject (關鍵詞) 保險商品審查制度zh_TW
dc.subject (關鍵詞) Speed to Marketen_US
dc.subject (關鍵詞) CARFRAen_US
dc.subject (關鍵詞) SERFFen_US
dc.subject (關鍵詞) Filingen_US
dc.title (題名) 保險商品審查制度電子化之研究zh_TW
dc.type (資料類型) thesisen
dc.relation.reference (參考文獻) 參考資料zh_TW
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