臺灣博碩士論文加值系統

由於資訊爆炸時代之來臨使得資訊取得變得容易，所以取得資訊後如何整合更趨重要。
資訊處理的過程中，需要整合各領域所提供之資料方可整理出資訊。
雲端運算架構是將各領域的資訊處理成網路服務，藉由服務串接達到使用者需求，並可依照待解決問題之特性來整合資料。
雲端財務系統架構的建置，不僅可降低建置成本與使用費用，亦可增進資訊系統的靈活彈性，並提供未來整合各種模組來評價金融商品的基礎。
金融商品的風險與評價是財務工程領域的重點之一。本研究提出一項基於財務雲端架構的評價模型，並以計算利率變動型年金之價值做為系統之實驗。
整合市場最新資訊，配合年金保險合約的報酬計算方式，評價出各年金保險合約期限中應有的報酬走勢，對於保險投資人將是一項有用的投資決策工具。

The ability to integrate data into information is important in the era of information explosion. Useful information is processed from data from multiple sources. Under the cloud computing architecture, web services can be used to join sources that the user needs, and can be adjusted to fit the underlying problem waiting to be solved. Moreover, the construction of cloud computing system can lower hardware cost, increase flexibility, and provided a basis system for incorporate future modules to price financial derivatives.

Pricing and risk measurement of one of the key objectives in financial engineering. This research proposes a cloud system based on the FinancialCloud architecture. Choosing the interest sensitive annuity insurance contract as an experiment subject, this system can integrate and combine information from multiple source to obtain the price of the insurance contact. With this information in hand, future investors can choose among all the financial products and select the one which benefits them the most.

第一章 緒論
1.1 動機
1.2 貢獻
1.3 論文架構
第二章 背景
2.1 雲端運算
2.2 財務資訊系統
2.3 雲端評價系統
2.4 利率結構的預估
2.4.1 即期利率
2.4.2 遠期利率
2.5 年金保險
2.6 報酬率
2.6.1 淨現值
2.6.2 累積報酬率
2.6.3 年化報酬率或殖利率
第三章 年金評價系統架構
3.1 環境設計
3.2 系統架構
3.2.1 臺灣保險事業發展中心
3.2.2 臺灣證券交易所-公開資訊觀測站之債券發行資訊
3.2.3 證券櫃檯買賣中心-債券市場殖利率行情資訊
3.2.4 臺灣銀行-掛牌利率
3.2.5 年金保單資訊雲端服務
3.2.6 保險生命表雲端服務
3.2.7 債券發行資訊雲端服務
3.2.8 債券市場殖利率行情資訊雲端服務
3.2.9 銀行存（放）款牌告利率雲端服務
3.2.10 債卷利率內差資訊雲端服務
3.2.11 年金保單評價雲端服務
3.3 系統操作流程
3.3.1 年金評價服務
3.3.2 利率模型服務
3.3.3 壽險生命表服務
3.3.4 年金商品資訊服務
3.3.5 債券發行資訊服務
3.3.6 債券即時報價服務
3.3.7 銀行定存利率服務
第四章 利率衡量及年金評價
4.1 利率衡量
4.2 年金保險評價
4.2.1 年金保險定義
4.2.2 年金計算公式
4.2.3 預定附加費用率
4.2.4 價值準備金
第五章 實驗
5.1 殖利率模型
5.2 評價架構實作
5.2.1 ASP URL Routing
5.2.2 URL Service Call
5.2.3 XML Result File
5.2.4 使用者介面
5.3 效能實驗
5.3.1 實驗設計
5.3.2 實驗環境
5.3.3 效能實驗結果
5.4 年金保險評價
5.4.1 年金保險比較
5.4.2 投保人性別比較
5.4.3 投保人年齡比較
第六章 結論

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