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研究生:陳俊光
研究生(外文):CHEN, JUN-GUANG
論文名稱:保險科技與保險公司經營關聯性之探討-以價值鏈分析為核心
論文名稱(外文):A Study of the Effect of InsurTech on Insurance Company Operation by Value Chain Approach
指導教授:遲淑華遲淑華引用關係
指導教授(外文):CHIH, SHU-HWA
口試委員:彭金隆劉美纓遲淑華
口試委員(外文):PENG, JIN-LONGLIU, MEI-YINGCHIH, SHU-HWA
口試日期:2017-06-28
學位類別:碩士
校院名稱:東吳大學
系所名稱:企業管理學系
學門:商業及管理學門
學類:企業管理學類
論文種類:學術論文
論文出版年:2017
畢業學年度:105
語文別:中文
論文頁數:120
中文關鍵詞:保險科技保險業價值鏈價值鏈裂解互聯保險保險裂解
外文關鍵詞:InsurTechInsurance Industry Value ChainValue Chain DisaggregationConnected InsuranceInsurance Disaggregation
相關次數:
  • 被引用被引用:10
  • 點閱點閱:2350
  • 評分評分:
  • 下載下載:171
  • 收藏至我的研究室書目清單書目收藏:2
世界經濟論壇(World Economic Forum, 2015)指出保險業是受金融科技影響最大的產業,並對保險業的價值鏈(Value Chain)產生裂解(Disaggregation);但其並未明確說明金融科技影響保險業何種業務及如何評估保險業價值鏈裂解的方法。截至目前為止,我們也尚未發現有文獻透過嚴謹且具理論基礎之模型,分析保險科技(InsurTech)對保險業經營環境及業務之衝擊。所以,本研究嘗試建構一個具理論基礎且納入互聯保險(Connected Insurance)及保險裂解(Insurance Disaggregation)之分析架構,以完整地探討保險科技與保險公司經營之關聯性,藉此解決台灣目前保險業發展之困境。
  本研究發現與機器人相關之技術有助於改善繁瑣的銷售通路、核保與理賠流程;保險公司可藉由自動作業與快速驗證資訊之功能大幅提升生產力,但僅在已開放網路投保之險種較具執行成效;最後,目前保險科技尚未能有效地解決台灣保險業面臨的財務壓力及風險資本與投資管理等問題。
  World Economic Forum (WEF), in 2015, reported that the greatest impact of disruption is likely to be felt in the insurance sector and insurance disaggregation. The insurance value chain will be increasingly disaggregated in the future, changing the nature of the insurance business. But WEF didn’t explain the impact of FinTech on the insurance operation and reveal research approach to assess insurance disaggregation. Up to now, we find that there has been no literature developing theoretical model to assess insurance disaggregation. Therefore, this study constructs a theory-based framework, which can comprehensively include the concept of connected insurance and insurance disaggregation to evaluate the effect of InsurTech on insurance company operation by value chain approach.
  This study finds that the artificial intelligence (AI) technologies can improve the efficiency in sales channel, the process of underwriting and claims activities. Taiwan insurance company can increase their productivity significantly through verify information quickly and make operations automatically, but it’s only feasible in some products which consumers can be insured online. Finally, there are no InsurTech can effectively solve Taiwan insurers’ financial problems, risk capital and investment manegemrnt activity.

表目錄
圖目錄
第壹章 緒論
 第一節 研究動機與背景
 第二節 研究目的
 第三節 研究貢獻
 第四節 研究流程
第貳章 文獻探討
 第一節 保險科技概述
  一、保險科技定義
  二、保險科技發展背景
  三、保險科技發展趨勢
 第二節 國內外保險科技應用
  一、保險相關平台
  二、物聯網相關技術
  三、區塊鏈相關技術
  四、機器人相關技術
  五、軟體相關服務
  六、虛擬相關技術
  七、組織與結構創新
第三節 台灣保險業現況概述
  一、保險業經營模式
  二、保險業經營之困境
  三、保險業在金融科技之發展
第參章 研究方法
 第一節 研究對象
 第二節 價值鏈架構
  一、價值鏈概念
  二、保險業價值鏈
 第三節 研究架構
第肆章 國內外保險價值鏈裂解分析
 第一節 國外保險科技價值鏈
 第二節 台灣保險價值鏈
 第三節 保險科技對台灣保險業之影響探討
第伍章 結論與建議
 第一節 結論
 第二節 建議
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參考法規
人身保險業通報作業實施要點(2011年06月13日)。
保險業招攬廣告自律規範(2013年9月23日)。
保險業設立許可及管理辦法(2014年7月24日)。
保險業經營行動投保業務自律規範(2015年6月16日)。
保險業辦理電子商務應注意事項(2016年3月31日)。
保險法(2016年12月28日)。

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