| 摘要: | 古人試圖透過風水、算命、宗教儀式、勘輿及其他傳統民間習俗方式達到「趨吉避凶」、降低風險之效。相對於古人的傳統民間方式，現在則係透過建構系統化的風險管理流程，將風險合理地辨識、分析、評估並擬定風險因應策略。
常見的風險回應措施為風險移轉、風險規避、風險預防、風險承擔等方式，企圖將風險降低至可承受之範圍內。其中的風險移轉是日常生活中最常運用到的方法之一，意即透過保險方式讓風險由多人共同承擔以降低自身的損失幅度。受惠於資訊科技的進步與科技新創事業的發展，許多新創科技公司觀察到金融市場存有一大塊未被滿足需求的金融消費者，新創科技公司企圖建構新創技術、業務模式、產品、應用系統與流程，提供金融服務予金融需求者並提升既有服務效率，以填補或創造金融消費者之需求，因此金融科技孕育而生。
本文主係探討金融科技以及監理制度對臺灣保險業之影響。在研究金融科技對保險業影響方面，本文在保險價值鏈的一連串加值活動中，逐步選取某個加值活動中具代表性的保險科技廠商後予以整理及分析，其加值活動可分為保險設計、保險通路、保險定價、保險核保、保險理賠與售後服務等。在監理制度對臺灣保險業影響方面，本文主係收集、彙整並分析英國、新加坡、美國、中國及澳洲等國之監理制度，以作為臺灣保險科技產業之借鑑。
目前國際上常見的保險科技應用包含類保險功能之群眾共保機制、依整合個人需求之個性化保險、透過網路上比價之保險、透過網路投保之保險、個人化價格之保險、自動核保之保險、自動理賠之保險、具事前預防效果之保險、提供遠距照護之保險及其他保險科技之應用。臺灣囿於現行法規、專利開發及其他因素等，有許多已在國際上應用的創新功能，在臺灣卻無法使用，例如於網路比價的保險、結合遠距照護的保險。
希望透過本研究的整理、分析與歸納出國際保險科技產業之實際應用，給予臺灣傳統保險產業與保險科技業未來市場發展方向之借鑑，並利用國際各國之監理制度備供臺灣保險科技產業、主管機關及立法機關作為參考。
;The study mentions that the influence of Fintech (Financial Technology) and supervisory system of Taiwan insurance industry. According to the study, we can know how the influence of Fintech appliance in the world and now we have in Taiwan. The study adopts value-chain concept and value-added activities to explain the latest Insurtech (Insurance Technology) appliance and how it works. The designing of insurance, channel of insurance, pricing of insurance, underwriting of insurance, claiming of insurance and related insurance services are included in the value-chain concept.
Under the value-chain concept, the study collects, identifies, compares and knows the famous and representative Insurtech appliance as adequate samples. According to the study, the up-to-date Fintech appliance including the similar insurance functions of co-insurance mechanism, the individual insurance with personal needs, insurance of on-line price comparing, buying insurance through internet, insurance of personal price, insurance of automatic underwriting, insurance of automatic claiming, insurance with prevention function, insurance of health-care by long distance and other Insurtech appliance. Due to the Taiwan regulations, some of the latest insurtech appliance in the world is not allowed to be adopted in Taiwan. For instance, the insurance of on-line price comparing and insurance of health-care by long distance haven’t got the permit from Taiwan government yet. Then the study would like to share the worldwide Insurtech experience and new core competence of start-up business with insurance industry, government and investors in Taiwan.
For the financial supervisory system of insurance industry, the study pays more attention on the regulatory system which is implemented by the U.K., Singapore, Australia, America and China now. Finally, the study would like to introduce the experience of other contries to implement the financial supervisory system in Taiwan. |
