政大機構典藏-National Chengchi University Institutional Repository(NCCUR):Item 140.119/36731
English  |  正體中文  |  简体中文  |  Post-Print筆數 : 27 |  全文筆數/總筆數 : 113318/144297 (79%)
造訪人次 : 51014758      線上人數 : 929
RC Version 6.0 © Powered By DSPACE, MIT. Enhanced by NTU Library IR team.
搜尋範圍 查詢小技巧：
  • 您可在西文檢索詞彙前後加上"雙引號"，以獲取較精準的檢索結果
  • 若欲以作者姓名搜尋，建議至進階搜尋限定作者欄位，可獲得較完整資料
    •  進階搜尋


    請使用永久網址來引用或連結此文件: https://nccur.lib.nccu.edu.tw/handle/140.119/36731


    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: 2009-09-18 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。
    中文文獻：
    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。
    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。
    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。
    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。
    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。
    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。
    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。
    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。
    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。
    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。
    英文文獻：
    1. ABOBE, National Association of Insurance Commissioners (NAIC), http://www.chinapdf.com/subspotlight13.htm, last visited 2003/4/28.
    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.
    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.
    4. CARFRA, CARFRA Filing - Preliminary Draft, http://www.carfra.org/demo/carfra_process.pdf, last visited 2003/4/28.
    5. CARFRA, CARFRA Filing Procedures for State Reviews & Industry Filers, http://www.carfra.org/documents/proedures_manual.pdf, last visited 2003/4/28.
    6. CARFRA, CARFRA Minimum Experience and Education Requirements, http://www.carfra.org/documents/carfra_minimumexperience.pdf, last visited 2003/4/28.
    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
    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.
    9. CARFRA, Individual Flexible Premium Universal Life Insurance Standards, http://www.carfra.org/documents/ulstds.pdf, last visited 2003/4/28.
    10. CARFRA, Individual Term Life Policy Standards, http://www.carfra.org/products/term.pdf, Last visited 2003/4/28
    11. CARFRA, Individual Variable Annuity Contract Standards, http://www.carfra.org/documents/annuity2.pdf, last visited 2003/4/28.
    12. CIAB, 2002 Commissioner Goals, Market Regulation & Consumer Affairs (D) Committee, http://www.ciab.com/advocacy/industry/commissoner_goals.doc, last visited 2003/4/28.
    13. CIS of Michigan, Insurance Rule, Rate and Policy Forms for NON-SERFF Filings, http://www.michigan.gov/cis/0,1607,7-154-10555_13044_13199-31199--,00.html, last visited 2003/4/28.
    14. Evans, D., Uniformity: No Longer the Road Less Traveled, IA Magazine, http://www.iamagazine.com/IAMarch2003/Feature2.htm, last visited 2003/4/28.
    15. Ezalarab, S., Sending Form and Rate Filing by Electronic Mail, Wisconsin Insurance News, http://oci.wi.gov, last visited 2003/4/28.
    16. Fitzgerald, F. M. and Covington II, J. L., Testimony of NAIC CARFRA Working Group and the Improvements to State-based Systems Working Group, State of Ohio Department of Insurance, http://www.ohioinsurance.gov/Legal/Legislation/federal/SpeedtoMarket.htm, last visited 2003/4/28.
    17. Gallagher, J., NAIC Allows E-Rate Filing, Insurance Technology, http://www.insurancetech.com/it2/story/IST20010531S0015, last visited 2003/4/28.
    18. GLBA, The Statement of Intent─Delivering on a Promise, http://www.insurance.ca.org/GLBA/MainPgs/Statement_of_Intent_GLBupdate.html, Last visited 2003/4/28.
    19. Goch, L., Switching Gears, Best`s Review, v.102, no.12, p.101-103, 2002/4.
    20. Harrington, J., One-Stop Filing, AAIS, Vol.25, No.3 Issue of Viewpoint, http://www.aais.org/communications/viewpoint/vp25_3b.htm, last visited 2003/4/28.
    21. Harrington, J., File`s Done, AAIS, Vol.26, No.1 Issue of Viewpoint, http://www.aais.org/communications/viewpoint/01fall3.htm, last visited 2003/4/28.
    22. Hennosy, K. P., Power Plays will Shape Regulatory Framework, Rough Notes Management, http://www.roughnotes.com/rnmagazine/2003/march03/03p152.htm, last visited 2003/4/28.
    23. Hillman R. J., Testimony of Efforts to Streamline Key Licensing and Approval Process Face Challenges, GAO, http://www.gao.gov/new.items/d02842t.pdf, last visited 2003/4/28.
    24. Hyle, R.R., State Regulation 2000: The Details, Tech Decisions for Insurance, http://www.technologydecisions.com/backissue/0500/04a.asp, last visited 2003/4/28.
    25. Innovative, COSMOS Compliance with NAIC Data Base Initiatives, http://www.innovativeit.com/pages/cosmos/cosmos_home.html, last visited 2003/4/28.
    26. Insurance Journal, AIC Speed-to-Market Efforts Hastened by SERFF, http://www.insurancejournal.com/news/newswire/national/2001/08/30/14248.htm, last visited 2003/4/28.
    27. Insurance Journal, Commercial Lines Modernization Model Adopted by NAIC, http://www.insurancejournal.com/news/newswrie/national/2002/03/20/6751.htm, last visited 2003/4/28.
    28. Insurance Journal, New Pricing Structure Makes SERFF Filings More Cost-Efficient, http://www.insurancejournal.com/news/newswire/national/2002/07/11/19676.htm, last visited 2003/4/28.
    29. InSystems, InSystems and NAIC Announce First SERFF Integration, http://www.insystems.com/prevents/03-naic.htm, last visited 2003/4/28.
    30. King, S., Electronic Filing Expected to Save Millions in Costs, The Business Journal, http://kansascity.bizjournals.com/kansascity/stories/1998/03/16/story6.html, last visited 2003/4/28.
    31. Latteman, J., SERFF: Texas Filing Compliance Workshops, http://www.tdi.state.tx.us/general/pdf/lhwssrff.pdf, last visited 2003/4/28.
    32. Lonkevich, D, SERFF`s not up for some industry trade groups, National Underwriter (Property & Casualty/Risk & Benefits Management Edition), v.102, no.28, p.3, 1998/7/13,
    33. Maciag, G.A., Regulatory Standards Help Consumers, Ease Impediments to Insurance E-Commerce, ACORD, http://www.acord.org/News/NewsDetail.aspx?Type=1&aid=652, last visited 2003/4/28.
    34. Marro, F., SERFFING, U.S.A, FORC Quarterly Journal of Insurance Law and Regulation, Vol.XIII, Edition IV, http://www.forc.org/journal/winter01/winter01Marro4.pdf, last visited 2003/4/28.
    35. NAIC, Board Expansion Reflects Growth and Accept SERFF, http://www.naic.org/releases/rel02/031902_expansion_serff.htm, last visited 2003/4/28.
    36. NAIC, Milestone Reached in Nationwide SERFF Involvement, http://www.naic.org/pressroom/releases/rel01/121001_nationwideserff.htm, last visited 2003/4/28.
    37. NAIC, NAIC Report: 2001 Winter National Meeting, http://www.naic.org/1news/release/rel01/121701_report.htm, last visited 2003/4/28.
    38. NAIC, NAIC Report: 2002 Spring National Meeting, http://www.naic.org, last visited 2003/4/28.
    39. NAIC, NAIC Statement of Intent: The Future of Insurance Regulation, http://www.naic.org/news/release/rel02/032402_report.htm, last visited 2003/4/28
    40. NAIC, SERFF Application Receives Award for Innovation, http://www.naic.org/pressroom/releases/rel01/1012001serffapplication.htm, last visited 2003/4/28.
    41. NAIC, SERFF Growth Continues as Capabilities Expand, http://www.naic.org/pressroom/release/rel03/031003_serff_growth.doc, last visited 2003/4/28.
    42. NAIC, SERFF License Fees for Insurers Eliminated, http://www.naic.org/pressroom/releases/rel01/serff_license.htm, last visited 2003/4/28.
    43. NAMIC, Speed to Market, http://www.namic.org/regulatorykeyissues/speed.asp, last visited 2003/4/28.
    44. NAMIC, System for Electronic Rate and Form Filing (SERFF), http://www.namic.org/regulatorykeyissues/SERFF.asp, Last visited 2003/4/28.
    45. NASCIO, Nomination for 2001 Recognition Awards for Outstanding Achievement in the Field of Information Technology, http://www.nascio.org, last visited 2003/4/28.
    46. New York State Insurance Department Life Bureau, General SERFF Guidelines for Form Filing, http://www.ins.state.ny.us/serflife.htm, last visited 2003/4/28.
    47. Nordman, E. and Casper, J., SERFF, NAIC Research Quarterly, Vol. I, Issue 3, 1995/7.
    48. O`Donnell, Delivery Strategies Briefs, Insurance Technology, http://www.insurancetech.com/story/news/IST20030129S0001, last visited 2003/4/28.
    49. O`Donnell, EDS Focuses Insurance Strategy, Insurance Technology, http://www.insurancetech.com/it2/story/IST20011212S0001, last visited 2003/4/28.
    50. Oregon Insurance Regulator, Number of Insurers using SERFF jumps, http://www.oregoninsurance.org, last visited 2003/4/28.
    51. Remain Secure, Encryption of Information, http://www.remainsecure.com/whitepapers/encryption/authenc.htm, last visited 2003/3/21.
    52. Rutkowski, T., The Need for Speed, Insurance Networking, http://www.insurancenetworking.com/current/sep02_speed.htm, last visited 2003/4/28.
    53. SERFF, Accepting All Major Health Lines, http://www.serff.org/participation/states/health_major_lines.xls, last visited 2003/4/28.
    54. SERFF, Accepting All Major Life Lines, http://www.serff.org/participation/states/life_major_lines.xls, last visited 2003/4/28.
    55. SERFF, Accepting All Major P & C Lines, http://www.serff.org/participation/states/property_major_lines.xls, last visited 2003/4/28.
    56. SERFF, Bylaws of the SERFF, http://www.serff.org/downloads/bylaw1-5.pdf, last visited 2003/4/28.
    57. SERFF, Cost/Benefit Model for Companies, http://www.serff.org/costbenefit/Cost_Benefit_092002.xls, last visited 2003/4/28.
    58. SERFF, EFT Implementation Guide for Industry, http://www.serff.org/communcation/api_&_eft/Implementation_Guide_Industry.pdf, last visited 2003/4/28.
    59. SERFF, EFT Implementation Guide for State, http://www.serff.org/communcation/api_&_eft/Implementation_Guide_state.pdf, last visited 2003/4/28.
    60. SERFF, Instructions for Participation in SERFF, http://www.serff.org/information/gettingstarted/getting_started.htm, last visited 2003/4/28.
    61. SERFF, SERFF 4.01 Release Notes, http://www.serff.org/communication/release_versions/serff_4.01releaseNotes.pdf, last visited 2003/4/28.
    62. SERFF, SERFF Background, http://www.serff.org/information/SERFF-Background.htm, last visited 2003/4/28.
    63. SERFF, SERFF Electronic Funds Transfer Pilot Program, http://www.serff.org/communication/api_&_eft/eft_pilot2.pdf, last visited 2003/4/28.
    64. SERFF, SERFF End users Training manual Student guide Release 4.0, SERFF, http://www.serff.org/, last visited 2003/4/28.
    65. SERFF, SERFF FAQs (Frequently Asked Question), http://www.serff.org/information/faqs/faqs.htm, last visited 2003/4/28.
    66. SERFF, SERFF Industry License Agreement, http://www.serff.org/downloads/serff_2002_industry_License.doc, last visited 2003/4/28.
    67. SERFF, SERFF Participation States, http://www.serffcentral.com/participation/states/index-states.htm, last visited 2003/4/28.
    68. SERFF, SERFF Remote Hosting Services by EDS, http://www.serff.org/servicesandsupport/remotehosting/NAICpg2.pdf, last visited 2003/4/28.
    69. SERFF, SERFF Remote Hosting, http://www.serff.org/information/faqs/faqs.htm, last visited 2003/3/15.
    70. SERFF, SERFF States License Agreement, http://www.serff.org/downloads/serff_state_agr.doc, last visited 2003/4/28.
    71. SERFF, SERFF Training Overview, http://www.serff.com/servicesandsupport/training/Training-Overview.htm, last visited 2003/4/19.
    72. SERFF, SERFF Tutorials, http://www.serff.com/servicesandsupportserff_tutorials/serff_tutorials.htm, last visited 2003/4/28.
    73. SERFF, SERFF, System for Rate and Form Filing, http://www.serff.org/serff.pdf, last visited 2003/4/28.
    74. SERFF, The ICS Advantage, http://www.serff.org/servicesandsupport/remotehosting/ICS_RH_Brochure.pdf, last visited 2003/4/28.
    75. Strazewski, L., Rising Above Bureaucracy, The Rough Magazine, http://www.roughnotes.com/rnmag/october98/10p30.htm, last visited 2003/4/28.
    76. Trembly, Ara C., NAIC launches SERFF at IASA Conference, National Underwriter (P&C/R&B Management Edition), v.102, No.25, p.5, 1998/6/22.
    77. Wickman, Alan, Insurance Data and Intellectual Property Issues, ACAS, http://www.casact.org/coneduc/ratesem/99handouts/banfield.ppt, last visited 2003/3/21.
    78. AIU Insurance Company, 會社概要，http://www.aiu.co.jp/, last visited 2003/6/30.
    79. TOSHIBA, イントラネットサーチで欲しい情報へスピーディーにアクセス！80％の検索時間短縮を実現，http://cn.toshiba.co.jp/prod/km2/casework/aiu.htm, last visited 2003/6/30.
    80. JUSTSYSTEM, 住友生命保險相互會社，　 http://www.justsystem.co.jp/km/case/eb112.html, last visited 2003/6/30.
    81. JUSTSYSTEM, 第一生命保險相互會社，http://www.justsystem.co.jp/km/case/eb105.html, last visited 2003/6/30.
    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
    顯示於類別:[風險管理與保險學系] 學位論文

    文件中的檔案:

    沒有與此文件相關的檔案.



    在政大典藏中所有的資料項目都受到原著作權保護.


    社群 sharing

    著作權政策宣告 Copyright Announcement
    1.本網站之數位內容為國立政治大學所收錄之機構典藏，無償提供學術研究與公眾教育等公益性使用，惟仍請適度，合理使用本網站之內容，以尊重著作權人之權益。商業上之利用，則請先取得著作權人之授權。
    The digital content of this website is part of National Chengchi University Institutional Repository. It provides free access to academic research and public education for non-commercial use. Please utilize it in a proper and reasonable manner and respect the rights of copyright owners. For commercial use, please obtain authorization from the copyright owner in advance.

    2.本網站之製作，已盡力防止侵害著作權人之權益，如仍發現本網站之數位內容有侵害著作權人權益情事者，請權利人通知本網站維護人員(nccur@nccu.edu.tw)，維護人員將立即採取移除該數位著作等補救措施。
    NCCU Institutional Repository is made to protect the interests of copyright owners. If you believe that any material on the website infringes copyright, please contact our staff(nccur@nccu.edu.tw). We will remove the work from the repository and investigate your claim.
    DSpace Software Copyright © 2002-2004  MIT &  Hewlett-Packard  /   Enhanced by   NTU Library IR team Copyright ©   - 回饋