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    Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/34101


    Title: 保險商品審查制度之研究
    Authors: 黃靜怡
    Sharon Huang
    Contributors: 林建智
    none
    黃靜怡
    Sharon Huang
    Keywords: 保險商品審查制度
    Date: 2003
    Issue Date: 2009-09-18
    Abstract: 近年來，我國正式成為WTO之成員，在保險市場方面，我國保險業面臨前所未有之挑戰，在與國際金融保險市場接軌之際，我國保險業無不戰戰兢兢。保險商品為保險業競爭之重要利器之一，商品之創新與多樣化則是未來保險業因應市場不同需求不可或缺之要素。
    然而，目前我國保險商品大多須經冗長之核准程序，審查制度之僵化不僅減緩商品上市之時效，更使保險業之競爭優勢大打折扣，要求檢討現行我國保險商品審查制度之缺失乃時有所聞。
    而本文以「保險商品審查制度之改進」為題，試圖發掘我國保險商品審查制度於法令上或實務運作上之缺失；其次援引美國保險監理官協會(NAIC)「加速商品上市化」(Speed to Market)之措施、紐約州及加州關於保險商品審查之相關規定為介紹；在其次就保險商品審查制度之改進的可行性方案為分析；最後做一建議與結論。

    　
    Reference: 壹、法規命令
    1. 人身保險商品重大缺失事項(中華民國八十九年十二月三十日財政部(89)台財保字第 0890751453號函訂定發布)
    2. 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)台財保字第0890751453號函修正發布)
    3. 人身保險商品應注意事項(中華民國八十九年十二月三十日財政部(89)台財保字第 0890751453號函訂定發布)
    4. 投資型人身保險商品審查準則（草案）
    5. 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)台財保字第0900712668號令訂定發布)
    6. 金融機構辦理新種金融業務之有關規定（中華民國八十一年十一月十八日財政部(81)台財融第811219843號函發布）
    7. 保險商品銷售前程序作業準則(中華民國九十年十二月十七日財政部(90)台財保字第 0900751372 號令訂定發布)
    8. 保險業招攬及核保理賠辦法(中華民國九十年十二月三日財政部(90)台財保字第0900751295號令訂定發布)
    9. 保險業精算人員及助理精算人員資格(中華民國六十四年八月十三日財政部台財錢字第18206號函令訂定發布)
    10. 保險業簽證精算人員管理辦法(中華民國九十年十二月二十日財政部 (90)台財保字第0900751320號令訂定發布)
    11. 財產保險商品審查大會審查原則備忘錄
    12. 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)台財保字第0890751452號函修正發布)
    13. 財產保險商品審查評分表
    14. 財產保險業申請財產保險商品應行注意事項及財產保險單參考格式條文(中華民國八十九年八月二日財政部(89)台財保字第0890750742號函修正發布)
    15. 商業火災保險表定加減費規程（中華民國九十一年三月二十九日財政部(91)台財保字第0910702651號函發布）
    16. 產險市場費率自由化時程計畫（中華民國九十一年一月二十八日財政部(91)台財保字第0900074088號函發布）
    貳、中文文獻
    一、書籍
    1. 江朝國編纂，保險法規彙編，元照出版社(台北市)，民國91年1月初版。
    2. 行政院人事行政局編印(台北市)，推動政府業務委託民間辦理實例暨契約參考手冊，民國90年12月。
    3. 行政院研究發展考核委員會編印(台北市)，行政業務委託民間辦理之可行性及其範圍探討，民國80年3月。
    4. 行政院研究發展考核委員會編印(台北市)，行政檢查業務委託民間辦理法制之研究，民國87年2月。
    5. 吳庚著，行政法之理論與實用，三民書局(台北市)，民國90年8月增訂7版。
    6. 汪宗仁著，行政程序法論，康德文化出版社(台北市)，民國88年初版。
    7. 林建智著，保險商品銷售前程序作業準則及資料庫之建立，保險事業發展中心出版(台北市)，民國90年12月。
    8. 陳瑞著，保險監理，三民書局(台北市)，民國86年。
    9. 湯德宗著，行政程序法論，元照出版公司(台北市)，民國89年10月初版第1刷。
    10. 蔡茂寅、李建良、林明鏘、周志宏合著，行政程序法實用，學林文化事業(台北市)，民國91年1版再刷。
    11. 鄭雲鵬編著，認證實務DIY，永然文化出版社(台北市)，民國90年6月初版。
    二、期刊
    1. 王仁宏著，「公務人力業務委外」，人事月刊，第34卷第5期，民國91年5月。
    2. 李宗勳、范祥偉著，以「總量管制」推動政府業務委外經營的理論與作法，考銓，第25期，民國90年。
    3. 李雪津著，政府資訊業務整體委外之推動，人事月刊，第146期，民國86年。
    4. 林存德著，許委外一個未來，資訊與電腦，第237期，民國89年。
    5. 林怡靜譯，委外新趨勢,行政承包業崛起，商業周刊，第733期，民國90年。
    6. 林建智，「保險監理之理論與趨勢」，風險管理，第6期，民國89年。
    7. ─，「保險監理基礎理論之探討」，保險專刊，第49輯，民國85年。
    8. ─，「論保險監理之目標」，保險專刊，第50輯，民國85年。
    9. 柯三吉著，「我國政府業務委託經營問題之探討」，人事月刊，第34卷第5期，民國91年5月。
    10. 范祥偉著，「政府業務委託民間辦理之理論與政策」，人事月刊，第34卷第5期(2001)。
    11. 凌氤寶著，產物保險費率自由化的監理政策，保險專刊，第45輯，民國85年9月。
    12. 張子方、黃貝玲著，業務處理委外（BPO）之現況與未來發展趨勢分析，電子化企業：經理人報告，第18期，民國90年。
    13. 梁正德、廖淑惠採訪報導，談保險監理之最新動向~專訪保險司司長沈臨龍先生~，保險資訊，第174期，民國89月2月。
    14. 陳瑞著，「如何加強對保險業的監管確保保險行業有序競爭」，壽險專刊，第109期，87年9月。
    15. 陳瑞摘譯自Japan Non-Life Insurance NEWSLETTER, No.49. July 1998，日本保險監理新制，保險資訊，第159期，民國87年11月。
    16. 馮震宇著，由工時案談策略性委外應考慮的問題，能力雜誌，第540期，民國90年。
    三、論文
    1. 申富鑫著，WTO規範下保險服務之自由化，國立政治大學國際貿易學系，碩士論文，民國90年。
    2. 沙克興著，我國進入世貿組織後產險費率自由化之研究，逢甲大學保險學系，碩士論文，民國90年。
    3. 周一鴻著，我國保險市場自由化相關問題之研究，國立政治大學企業管理學系，碩士論文，民國85年。
    4. 林金生著，人壽保險單一般條款標準條文存在之必要性及其法律位階之研究，國立政治大學保險研究所，碩士論文，民國81年。
    5. 施懿純著，保險契約條款監理相關問題之研究，國立政治大學保險研究所，碩士論文，民國84年。
    6. 洪美貞著，團體定期壽險費率監理之研究，國立政治大學保險研究所，碩士論文，民國85年。
    7. 張玉秀著，臺灣保險市場費率自由化空間之研究，逢甲大學保險學研究所，碩士論文，民國84年。
    8. 張邦茹著，產險公司管理經營如何因應費率自由化，國立政治大學保險學研究所，碩士論文，民國83年。
    9. 蕭子誼著，產物保險費率自由化可行性之研究，逢甲大學保險學研究所，碩士論文，民國73年。
    參、英文文獻
    一、書籍及專論
    1. Anonymous, Full speed ahead on reform, Business Insurance (2000).
    2. Appleman John Alan & Appleman Jean, Insurance Law and Practice with Forms 19 (1982).
    3. Boynton Nancy D, In search of advice, LIMRA’ s Market facts Quarterly (2001).
    4. Brostoff Steven, State regulatory delays decried, National Underwriter (2001).
    5. Dobbyn John F., Insurance Law in a Nutshell (1989).
    6. Fletcher Meg, Regulator seek to ease commercial lines rules, Business Insurance (2001).
    7. Goch Lynna, Staying the course, Best’s Review (2002).
    8. Hanson Jon S., Regulation of the Life Insurance Business (1992).
    9. Harrington Scott, Repairing insurance markets, Regulation (2002).
    10. Keeton Robert E. & Widiss Alan I., Insurance Law (1988).
    11. Kenneth S. Abraham, Insurance Law and Regulation (3d ed 2000).
    12. Lemaire Jean & Subramanian Krupa, Insurance Regulation in Europe and the United States (1997).
    13. MacAvoy Paul W., Federal-State Regulation of the Pricing and Marketing of Insurance(1997).
    14. Matthew Bender, California Insurance Law & Practice (2d rev. ed. 1992).
    15. Meltzer Sandra K, Speed-to-market strategy :Tailor product filings to each state, National Underwriter (2002).
    16. Mintel Judith K., Insurance Rate Litigation(1983).
    17. NILS Publishing Company, California Regulations (1992).
    18. Nordman Eric, Update in the NAIC’s speed to market activities, Journal of Insurance Regulation (2001).
    19. Schacht James W, NAIC’ s interstate compact initiative should be supported, National Underwriter (2002).
    20. Sebelius Kathleen, Managing the winds of change: Issues facing the NAIC in 2001, Journal of Insurance Regulation (2001).
    二、電子資料
    NAIC相關資料
    1.NAIC, CARFRA Filing Procedures for State Reviewer & Industry Filers,
    September 11,2001
    http://www.carfra.com/documents/procedures_manual.pdf最終瀏覽日：2003/04/28
    2. NAIC, Testimony of the CARFRA Working Group and the Improvements to State-based Systems Working Group of the National Association of Insurance Commissioners,June21,2001 http://www.naic.org/pressroom/testimonies/01/docs/6-21-01_prepared_statement.doc最終瀏覽日：2003/04/28
    3. NAIC, Agreement for Additional States to Join The Coordinated Advertising, Rate, And Form Review Authority, August 1, 2002
    http://www.carfra.com/documents/MOU_(CARFRA)Amend.doc最終瀏覽日：2003/04/28
    4. NAIC, Memorandum of Understanding For A Limited Launch of The Program For The Coordinated Advertising, Rate , and Form Review Authority（CARFRA）
    http://www.carfra.org/documents/MOU_(CARFRA)rev5.doc最終瀏覽日：2003/04/28
    5. NAIC, CARFRA Minimum Experience and Education Requirements, April 3, 2001
    http://www.carfra.org/documents/carfra_minimumexperience.doc最終瀏覽日：2003/04/28
    6. NAIC,CARFRA Limited Launch Debuts Today, May 1, 2001
    http://www.naic.org/pressroom/releases/rel01/050101ecarfralaunchtoday.htm最終瀏覽日：2003/04/28
    7. NAIC,CARFRA & THE INTERSTATE COMPACT, Draft:Sept.1, 2002
    http://www.naic.org/1consumer_protection/rgwg_a_docs/CARFRA_Update9-1-02.doc最終瀏覽日：2003/04/28
    8. NAIC, Insurance Company Filer CARFRA Participation
    http://www.carfra.org/documents/carfra_industry_participation_Nov_2002.doc最終瀏覽日：2003/04/28
    9. NAIC, Bylaws of The System For Electronic Rate and Form Filing
    http://www.serff.org/downloads/bylaw1-5.pdf最終瀏覽日：2003/04/28
    10. NAIC, license agreement
    http://www.serff.org/downloads/serff_state_agr.doc最終瀏覽日：2003/04/28
    11. NAIC, SERFF license agreement
    http://www.serff.org/downloads/SERFF_2002_industry_License.doc最終瀏覽日：2003/04/28
    12. NAIC, How to Create a Paper Filing-Industry
    http://www.serff.org/downloads/Creating_a_Paper_Transmittal-Industry.doc最終瀏覽日：2003/04/28
    13. NAIC, The Cost Benefit Modle
    http://www.serff.org/costbenefit/Cost_Benefit_092002.xls最終瀏覽日：2003/04/28
    14. NAIC, Summer National Meeting, Philadelphia, Pa, June 8-11, 2002
    http://www.naic.org/pressroom/releases/rel02/doc/061902_NAIC_Report.pdf最終瀏覽日：2003/04/28
    15. NAIC, Testimony of the National Association of Insurance Commissioners, July 20, 2000
    http://www.naic.org/pressroom/testimonies/00/docs/7-20-00_Nichols_Testimony.doc最終瀏覽日：2003/04/28
    16. NAIC, SERFF Background
    http://www.serff.org/information/SERFF-Background.htm最終瀏覽日：2003/04/28
    California state 相關資料
    1. California Department of Insurance,「Filing Procedures For Compliance With The Provisions Of The Terrorism risk Insurance Act Of 2002」,Bulletin No: 2002-9 December 30, 2002
    http://www.insurance.ca.gov/docs/FS-Legal.htm最終瀏覽日：2003/04/28
    2. California Department of Insurance, Proposition 103 Recoupment Fee Assessment
    http://www.insurance.ca.gov/Budgets/Pro103Letter.htm最終瀏覽日：2003/04/28
    3. California Department of Insurance, 2000 Annual Report of the Insurance Commissioner
    http://www.insurance.ca.gov/y2kar/58246_Book_3.html最終瀏覽日：2003/04/28
    4. California Department of Insurance, Rate Filing Applications
    http://www.insurance.ca.gov/RRD/Filings.htm最終瀏覽日：2003/04/28
    5. California Department of Insurance, CDI Review Requirements Checklist For Private Passenger Auto
    http://www.insurance.ca.gov/docs/FS-Legal.htm最終瀏覽日：2003/04/28
    6. California Department of Insurance, CDI Review Requirements Checklist For Workers’ Compensation.
    http://www.insurance.ca.gov/docs/FS-Legal.htm最終瀏覽日：2003/04/28
    7. California Department of Insurance, Rate Regulation Division
    http://www.insurance.ca.gov/RRD/Timeline.htm最終瀏覽日：2003/04/28
    8. California Department of Insurance, New System For Electronic Rate and Form Filing (SERFF) is Launched With the new Year
    http://www.insurance.ca.gov/PRS/CommuniqueVo1.2,No.1Winter98/new.htm最終瀏覽日：2003/04/28
    10. California Department of Insurance, Rate Filings
    http://www.insurance.ca.gov/RRD/Ratefiling.htm最終瀏覽日：2003/04/28
    11. California Department of Insurance, CDI Review Requirements Checklist for Commercial and Personal Earthquake
    http://www.insurance.ca.gov/docs/FS-Legal.htm最終瀏覽日：2003/04/28
    12. California Department of Insurance, Uniform Electronic Transactions Act-Insurers
    http://www.insurance.ca.gov/EXECUTIVE/UETA/UETA-Insurer.htm最終瀏覽日：2003/04/28
    13. California Department of Insurance, Provisions Of Proposition 103 Affecting The Rate Regulation Division
    http://www.insurance.ca.gov/RRD/Prop-103.htm最終瀏覽日：2003/04/28
    14. California Department of Insurance, Mission Statement
    http://www.insurance.ca.gov/RRD/Rrdindex.htm最終瀏覽日：2003/04/28
    15. California Department of Insurance, CDI Review Requirements Checklist for Homeowners
    http://www.insurance.ca.gov/docs/FS-Legal.htm最終瀏覽日：2003/04/28
    16. California Department of Insurance, CDI Review Requirements Checklist for Commercial Lines Except Earthquake and Workers’ Compensation
    http://www.insurance.ca.gov/docs/FS-Legal.htm
    17. California Department of Insurance, CDI Review Requirements Checklist for Personal Lines except Private Passenger Auto, Homeowners and Earthquake
    http://www.insurance.ca.gov/docs/FS-Legal.htm最終瀏覽日：2003/04/28
    18. California Department of Insurance, Rate Regulation: Special Reports and Filing Requirements
    http://www.insurance.ca.gov/RRD/RSU/Forms/RSUFiling.htm最終瀏覽日：2003/04/28
    19. California Department of Insurance, File & Use Application Form
    http://www.insurance.ca.gov/RRD/File_and_Use_Application.pdf最終瀏覽日：2003/04/28
    20. California Department of Insurance, Application for approval of insurance rates
    http://www.insurance.ca.gov/docs/FS-Legal.htm最終瀏覽日：2003/04/28
    21. California Department of Insurance, Class Plan Application
    http://www.insurance.ca.gov/docs/FS-Legal.htm最終瀏覽日：2003/04/28
    22. California Department of Insurance, TRANSMITTAL LETTER FOR SUBMISSION OF ADVISORY ORGANIZATION MANUAL
    http://www.insurance.ca.gov/docs/FS-Legal.htm最終瀏覽日：2003/04/28
    23. California Department of Insurance, WORKERS’ COMPENSATION INSURANCE -- RATE FILING FORM
    http://www.insurance.ca.gov/docs/FS-Legal.htm最終瀏覽日：2003/04/28
    24. California Department of Insurance, CLASS PLAN FILING INSTRUCTIONS
    http://www.insurance.ca.gov/docs/FS-Legal.htm最終瀏覽日：2003/04/28
    25. California Department of Insurance, FILING INSTRUCTIONS
    http://www.insurance.ca.gov/docs/FS-Legal.htm最終瀏覽日：2003/04/28
    26. California Department of Insurance, WORKERS’ COMPENSATION RATE, PLAN, AND FORM FILING INSTRUCTIONS
    http://www.insurance.ca.gov/docs/FS-Legal.htm最終瀏覽日：2003/04/28
    27. California Department of Insurance, FILING INSTRUCTIONS
    http://www.insurance.ca.gov/docs/FS-Legal.htm最終瀏覽日：2003/04/28
    28. California Department of Insurance, Rate Regulation Division (Mission Statement)
    http://www.insurance.ca.gov/RRd/Rrdindex.htm最終瀏覽日：2003/04/28
    New York state 相關資料
    1. New York State Insurance Department , 「PROCEDURAL CHANGES IN THE APPROVAL PROCESS FOR LIFE INSURANCE, ANNUITY, AND ACCIDENT AND HEALTH INSURANCE POLICY FORMS AND RATES」,Circular Letter No. 14 (1997) August 1, 1997
    http://www.ins.state.ny.us/cl97_14.htm最終瀏覽日：2003/04/28
    2. New York State Insurance Department,「PRELIMINARY GUIDANCE REGARDING THE EXPEDITED APPROVAL PROCEDURE IN SECTION 3201(b)(6) OF THE INSURANCE LAW 」, Circular Letter No. 2 (1998) January 15, 1998
    http://www.ins.state.ny.us/cl98_02.htm#top最終瀏覽日：2003/04/28
    3. New York State Insurance Department ,「PROCEDURES FOR THE FILING OF POLICY FORMS, RULES AND RATES」,Circular Letter No. 11 (1998) May 7, 1998
    http://www.ins.state.ny.us/cl98_11.htm#top最終瀏覽日：2003/04/28
    4. New York State Insurance Department, 「PROCEDURES FOR THE FILING OF POLICY FORMS, RULES AND RATES: OPTIONAL PROCEDURE FOR OBTAINING ACKNOWLEDGEMENTS OF FILINGS」,Supplement No. 1 to Circular Letter No. 11 (1998) November 10, 1998
    http://www.ins.state.ny.us/cl9811s1.htm最終瀏覽日：2003/04/28
    5. New York State Insurance Department, OPTIONAL PROC EDURES FOR THE FILING OF POLICY FORMS, RULES AND RATES , Supplement No. 3 to Circular Letter No.11 (1998)
    http://www.ins.state.ny.us/c19811s3.htm最終瀏覽日：2003/04/28
    6. New York State Insurance Department, 「Life Insurance And Annuity Product Outlines Designed To Assist Insurers In Making Form And Rate Filings With The Department」, Circular Letter No. 7(1999) March 16, 1999
    http://www.ins.state.ny.us/c199_07.htm最終瀏覽日：2003/04/28
    7. New York State Insurance Department, 「PROCEDURAL CHANGES IN THE APPROVAL PROCESS FOR LIFE INSURANCE AND ANNUITY POLICY FORMS:
    I. Required Format For Policy Form Submission Letters
    II. Timely Responses to Comment Letters」, Circular Letter No. 8(1999) March 16, 1999
    http://www.ins.state.ny.us/c19_08.htm最終瀏覽日：2003/04/28
    8. New York State Insurance Department, 「PROCEDURAL RESPONSIBILITIES OF PLANS SUBMITTING PRIOR APPROVAL RATE APPLICATIONS PURSUANT TO SECTION 4308(c )」,Circular Letter No. 10 (1999) June 11, 1999
    http://www.ins.state.ny.us/cl99_10.htm最終瀏覽日：2003/04/28
    9. New York State Insurance Department, 「Procedural Changes in the Length of Time the Department Will Await Responses During the Approval Process for Accident and Health Insurance Policy Forms and Rates」,Circular Letter No. 18 (1999) May 18, 1999
    http://www.ins.state.ny.us/cl99_18.htm最終瀏覽日：2003/04/28
    10. New York State Insurance Department, 「Information Available on the Department`s Website Designed to Assist Insurers and HMOs In Making Form and Rate Filings」,Circular Letter No. 20 (1999) July 13, 1999
    http://www.ins.state.ny.us/cl99_20.htm最終瀏覽日：2003/04/28
    11. New York State Insurance Department, 「RESUBMISSION OF POLICY FORM FILINGS REVISED IN ACCORDANCE WITH THE PRODUCT OUTLINES」 ,Circular Letter No. 21(1999) May 21, 1999
    http://www.ins.state.ny.us/c199_21.htm最終瀏覽日：2003/04/28
    12. New York State Insurance Department, Suggested Best Practices Resulting From the Joint Department/Industry Working , Circular Letter No. 22 (1999) June 1, 1999
    http://www.ins.state.ny.us/cl99_22.htm最終瀏覽日：2003/04/28
    13. New York State Insurance Department, 「PROCEDURES FOR THE FILING OF POLICY FORMS, RULES AND RATES」,Supplement No. 2 to Circular Letter No. 11 (1998) December 20, 1999
    http://www.ins.state.ny.us/cl9811s2.htm最終瀏覽日：2003/04/28
    14. New York State Insurance Department, 「Procedural Changes in the Approval Process and Recommended Changes」, Circular Letter No. 27(2000) August 21, 2000
    http://www.ins.state.ny.us/c100_27.htm最終瀏覽日：2003/04/28
    15. New York State Insurance Department, 「OPTIONAL PROCEDURES FOR THE FILING OF POLICY FORMS, RULES AND RATES」, Supplement No. 3 to Circular Letter No. 11 (1998) August 21, 2000
    http://www.ins.state.ny.us/cl9811s3.htm最終瀏覽日：2003/04/28
    16. New York State Insurance Department, 「Procedural Changes in the Filing Process for Accident and Health Insurance Policy Form and Rate Submissions: Optional "Fast Track" Prior Approval Process」, Circular Letter No. 28(2000)
    http://www.ins.state.ny.us/c100_28.htm最終瀏覽日：2003/04/28
    17. New York State Insurance Department, 「Electronic Filing via the Internet of National Form (NAIC) and New York Supplement Annual and Quarterly Statements」, Circular Letter No. 4 (2001) February 15, 2001
    http://www.ins.state.ny.us/cl01_04.htm最終瀏覽日：2003/04/28
    18. New York State Insurance Department, 「Report Outlining Policies, Procedures and Controls to Comply with 11 NYCRR 420 (Regulation 169) Regarding Consumer Financial Information」, Circular Letter No. 7 (2001) February 20, 2001
    http://www.ins.state.ny.us/cl01_07.htm最終瀏覽日：2003/04/28
    19. New York State Insurance Department, 「Modification in Reporting Requirement of Circular Letter No. 7 regarding Policies, Procedures and Controls in Place Evidencing Compliance with 11 NYCRR 420 (Regulation 169) 」, Addendum to Circular Letter No. 7 (2001) April 12, 2001
    http://www.ins.state.ny.us/cl01_07a.htm最終瀏覽日：2003/04/28
    20. New York State Insurance Department, 「Procedures For The Filing Of Policy Rules And Rates: New Mandatory Rate Filing Sequence Checklist」, Supplement No. 4 to Circular Letter No. 11 (1998) August 9, 2002
    http://www.ins.state.ny.us/cl02s11d.htm最終瀏覽日：2003/04/28
    21. New York State Insurance Department, 「PROCEDURES FOR THE FILING OF POLICY FORMS, RULES AND RATES: USE OF REVIEW STANDARDS CHECKLISTS」, Supplement No. 5 to Circular Letter No. 11 (1998) March 21, 2003
    http://www.ins.state.ny.us/cl03s_11.htm最終瀏覽日：2003/04/28
    22. New York State Insurance Department, Groups on Form and Rate Filings
    http://www.ins.state.ny.us/cl99_22.htm最終瀏覽日：2003/04/28
    23. New York State Insurance Department, General Guidelines for Rate, Form, Territory, Classification and Rule Filings Submitted via SERFF(Property Bureau)
    http://www.ins.state.ny.us/serfpop.htm最終瀏覽日：2003/04/28
    24. New York State Insurance Department, General SERFF Guidelines for Form Filings (Life Bureau)
    http://www.ins.state.ny.us/serflife.htm最終瀏覽日：2003/04/28
    25. New York State Insurance Department, Product Checklists Required for the “PRIOR APPROVAL WITH CERTIFICATION” Procedure Under Circular Letter No. 27
    http://www.ins.state.n.us/lifechks.htm最終瀏覽日：2003/04/28
    26. New York State Insurance Department, Department Announces First Filing Approved Under New Streamlined Procedures (Less Than One Month After Speed to Market Initiative Announced)
    http://www.ins.state.ny.us/p0009211.htm最終瀏覽日：2003/04/28
    27. New York State Insurance Department, Master List of Compliance Checklists(Property Bureau)
    http://www.ins.state.ny.us最終瀏覽日：2003/04/28
    28. New York State Insurance Department, Rates And/Or Rating Plan Compliance Certification
    www.ins.state.ny.us最終瀏覽日：2003/04/28
    29. New York State Insurance Department, Speed to Market
    http://www.ins.state.ny.us/speedmkt.htm最終瀏覽日：2003/04/28
    30. New York State Insurance Department, Product Outlines Guidance for Insurers When Submitting Life and Annuity Product Filings
    http://www.ins.state.ny.us/lifindx.htm最終瀏覽日：2003/04/28
    31. New York State Insurance Department, New York Rate and Form Filing Requirements and Review Standards Checklists
    http://www.ins.state.ny.us/serff1.htm最終瀏覽日：2003/04/28
    32. New York State Insurance Department, 2000 Annual Report of the Insurance Commissioner
    http://www.insurance.ca.gov/y2kar/58246_Book_3.html最終瀏覽日：2003/04/28
    33. New York State Insurance Department, DEPARTMENT ANNOUNCES FIRST FILING APPROVED UNDER NEW STREAMLINED PROCEDURES (Less Than One Month After Speed to Market Initiative Announced)
    http://www.ins.state .ny.us/p0009211.htm最終瀏覽日：2003/04/28
    34. New York State Insurance Department, New York Rate and Form Filing Requirements and Review Standards Checklists
    http://www.ins.state.ny.us/serff1.htm最終瀏覽日：2003/04/28
    35. New York State Insurance Department, General Guidelines for Rate, Form, Territory, Classification and Rule Filings
    http://www.ins.state.ny.us/is-file.htm最終瀏覽日：2003/04/28
    36. New York State Insurance Department, Annual Report of the Superintendent of Insurance to the New York Legislature, Calendar Year 1999.
    http://www.ins.state.ny.us/acrobat/annrpt99.pdf最終瀏覽日：2003/04/28
    37. New York State Insurance Department, Annual Report of the Superintendent of Insurance to the New York Legislature, Calendar Year 2000.
    http://www.ins.state.ny.us/acrobat/annrpt00.pdf最終瀏覽日：2003/04/28
    38. New York State Insurance Department, Annual Report of the Superintendent of Insurance to the New York Legislature, Calendar Year 2001.
    http://www.ins.state.ny.us/acrobat/annrpt01.pdf最終瀏覽日：2003/04/28
    39. New York State Insurance Department, Rate, Form, Territory, Classification and Rule Filing Instructions for Property/Casualty Filers.
    http://www.ins.state.ny.us/filer.htm最終瀏覽日：2003/04/28
    40. New York State Insurance Department, Filing Guidance For Making Address Changes, Name Changes and Merger/Name Changes.
    http://www.ins.state.ny.us/ilifchng.htm最終瀏覽日：2003/04/28
    41. New York State Insurance Department, Property/Casualty Insurance Information For Insurers (Rate Filing Sequence Checklist)
    http://www.ins.state.ny.us/ipchklst.htm最終瀏覽日：2003/04/28
    42. New York State Insurance Department, Rate filing Sequence Checklist Exhibit Instructions
    http://www.ins.state.ny.us/acrobat/instr.doc最終瀏覽日：2003/04/28
    43. New York State Insurance Department, Rate Filing Sequence Checklist
    http://www.ins.state.ny.us/acrobat/newrate.doc最終瀏覽日：2003/04/28
    44. New York State Insurance Department, Additional Guidance on Making Certified Forms Filings Under Circular Letter 27 of 2000
    http://www.ins.state.ny.us/life27gd.htm最終瀏覽日：2003/04/28
    45. New York State Insurance Department, Statutes, Regulations and Circular Letters for Property & Casualty Lines
    http://www.ins.state.ny.us/law.htm最終瀏覽日：2003/04/28
    肆、參考綱站
    1. National Association of Insurance Commissioners (NAIC)
    http://www.naic.org
    2.New York State Insurance Department
    http://www.ins.state.ny.us
    2. California Department of Insurance
    http://www.insurance.ca.gov
    Description: 碩士
    國立政治大學
    風險管理與保險研究所
    90358003
    92
    Source URI: http://thesis.lib.nccu.edu.tw/record/#G0090358003
    Data Type: thesis
    Appears in Collections:[Department of Risk Management and Insurance] Theses

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