電子商務與大數據在壽險應用之研究

A Study on the Application of E-commerce and Big Data in Life Insurance Industry

田佳儒(CHIA-JU TIEN)

指導教授 ： 高棟梁

淡江大學/商管學院/保險學系保險經營碩士在職專班/碩士(2016年)

https://doi.org/10.6846/TKU.2016.00155

摘要

近年來，台灣壽險業界在電子商務與大數據的應用相對於其他先進國家，因為法令修改的速度無法跟上科技發展的腳步，加上監管單位趨向於保守，限制了台灣保險業在電子商務與大數據應用的發展，因此期望能透過本研究，加速台灣政府法令監管的適度寬鬆、促進台灣保險業各項應用E化速度及大數據在保險業運用能夠更成熟。此為本研究之目的。 本論文研究在針對整個保單生命週期，從業務員新契約銷售到後續核保、保全及理賠等電子商務與大數據應用之研究，研究方法主要透過文獻蒐集法及兩岸同業專家訪談，蒐集台灣、大陸及國外論文、期刊等文獻資料，並輔以實際S公司電子商務與大數據的應用案例進行探討，以具體呈現其應用方式，期望能提供保險公司在未來進行金融科技應用規劃的參考借鏡。最後，本論文研究結果發現：行動裝置已是電子商務應用的主流、網路保險的發展已逐漸獲得業界重視、大數據已逐漸成為壽險業經營決策之重要依據、業界投入大數據應用發展資源明顯不足，以及大數據與電子商務在壽險的應用需緊密結合。

關鍵字

大數據 ； 電子商務 ； 網路保險

並列摘要

In recent years, comparing with other advanced countries, the growth of e-commerce and big data applications in Taiwan life insurance industry was limited, because the decree modifying speed can't catch up with how science and technology develop, combined with Supervision units tend to be conservative. Therefore, it was expected to accelerate the decree supervising of the Taiwan government to moderately loose, and to promote the digitized speed of multiple applications in the Taiwan insurance industry and the application of big data in the insurance industry to be more mature through this study, which was the objective of this study.
This thesis expected to provide insurance companies with the reference of performing the programs of financial technology application in future based on the study of the whole life circle of policy, from the new contract made by salesmen to successive underwriting, preserving and claims settlement in the application of electronic commerce and big data by mainly using the study methods of literature collection and interviews with experts of the same industry from Taiwan and mainland to collect literature materials such as Taiwan, mainland and foreign theses and journals, along with the real S company cases in the application of electronic commerce and big data to present detail application modes. In the end, it was found from this thesis that mobile devices had been the most of e-commerce applications, network insurance had gradually obtained the industry’s attention, big data had gradually become an important basis of operating decisions in the life insurance industry, the input resources of the application and development of big data in the insurance industry were insufficient, and the application of the big data should be well integrated with that of e-commerce in the life insurance industry.

並列關鍵字

Big Data ； E-commerce ； Internet Insurance

參考文獻

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