銀行保險發展新一代核心系統影響因素探討

The factors that influences Development of new generation core banking and insurance systems

許郁琳(Yu-Lin Hsu)

指導教授 ： 郝充仁

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.2016.00192

摘要

今日金融機構的經營策略皆朝向多元化發展，提供多樣的金融產品以便服務客戶，在每種金融產品的背後都需要相關業務流程來支持其運作，此業務流程成了金融產品最大差異之處，直接影響「客戶服務效率」與「企業的經營效率」。隨著網際網路資訊科技普及化，對金融業原有的服務方式產生巨大的衝擊及變化，e化程度將成為決定競爭力的關鍵值。
根據Hammer與Champy所提出「企業流程再造」的定義：「從根本重新思考並劇烈的重新設計企業流程，以求在重要的績效衡量上，如成本、品質、服務與速度等，達到最大的改善」。Grover加以延伸說明：「企業流程再造是運用資訊科技從根本來改變企業流程，以支援達成企業目標、策略的方法性程序，以顧客需求為依歸的基礎下，強化競爭優勢。」
本研究期望能透過「業務流程再造」(Business Process Re-engineering，BPR)理論，以T保險代理人公司內部作業流程為例，檢視並循序漸進調整業務作業程，蒐集並參考同性質行庫所屬保險經紀人或保險代理代人公司的作業流程，包含「業務員教育訓練方式」、「新契約作業流程」、「照會處理流程」及「資訊系統自動化程度」等流程。本論文以「業務流程再造」(Business Process Re-engineering，BPR)理論並提升「系統自動化」予以佐證，對於保險經紀人公司或保險代理人公司的業務推廣及營管理策略是具有參考價值。

關鍵字

業務流程再造 ； 資訊系統自動化

並列摘要

Today's business strategy of financial institutions are facing the diversified development, provide more financial poducts to serve customers.Then we need the business process to support its operation in the back of each financial product.For difference of the financial business process has become the key factor that will affect the customers directly.The operation process also affect business service efficiency and operational efficiency of enterprises. The financial business service method have a huge impact and change because the popularity and convience of Internet-based information,and the E-commerce will the key value of competitiveness.
According to Hammer and Champy as "business process reengineering" in the proposed definition: "a fundamental reflections and dramatic redesign of business processes, in order to measure performance of important, such as cost, quality,
service and speed to achieve the greatest improvement. " Grover have explaned that : "Business Process Reengineering is the use of information technology to fundamentally change the business process to support achieve business goals, strategy side Law procedures, the basis of customer needs and strengthen the
advantage of competitive "
The research paper expect by the " Business Process Re-engineering (BPR) theory”. And according to the experience of the Insurance Brokerage Com. T that include sales training methods, new policy operation processes, underwriting processing, the automatic degree by information technology system
The research will prove that "Business Process Re-engineering(BPR)“ and “enhance the automation of operation process system" will improve the performance of sales promotion and provide the reference value of the management strategy .

並列關鍵字

business process reengineering ； information systems automation

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