第五章 結論與建議
第二節 後續研究建議
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然而，消費者權益與鼓勵創新一直以來是一道難解的問題，一旦以高標準的法律 規範保險業以確保消費者權益不受損，則創新的火苗可能因此被澆熄；又如以鬆 綁法規藉以讓保險業自由發展，則當有消費糾紛產生或是保險公司財務發生問題，
可能因而造成消費者求助無門，甚至是整體社會的動盪不安，不再信任保險業和 政府機關之公信力。在金融科技創新之下，本文認為監理沙盒是目前最為合適的 解決方案，惟如何鼓勵現有保險業者和新創保險公司皆能投入發展以促進彼此間 相互競爭又同時相互學習進步，是我國政府和主管機關方面需要多加考量的一點。
此外，本文認為主管機關應盡速擬定相關辦法或準則，如更明確定義何謂保險業 務，以供保險業有所依循，並讓新創公司能夠在評估進入保險市場時，減少未來 面對的不確定性風險。
第二節 後續研究建議
本文列舉各金融科技之技術於保險業方面之應用時，主要以美國和英國為主，
並參酌亞州地區金融科技發展較為蓬勃的國家如新加坡和中國，礙於心力本文僅 從幾個國家中挑選出較具代表性的保險公司，探討其商業模式及創新的保險商品。
又，金融科技是持續發展中的領域，例如區塊鏈技術能帶來之效益仍未完全被開 發，再加上目前大部分以區塊鏈技術作為商業營運模式的保險業者仍屬於試營運 狀態，因此，新技術如何影響保險業未來之發展仍有待持續觀察。我國保險業或 是新創企業是否能夠在金融科技中蓬勃發展，且未來主管機關如何修訂或制定相 關法律規範以因應金融科技趨勢，皆值得繼續關注。此外，在金融業逐漸重視專 利的議題之下，未來專利管理和布局可能成為保險業另一項經營策略，如何藉由 專利以增加企業之價值並掌握可能的商機是本文認為可以供後續研究者深入探 討之議題。
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何楷平，車聯網、醫聯網……「物聯網保險」崛起－物聯網革命 保險新藍海？
現代保險第 324 期，頁 72-77，2015 年 10 月。
何楷平，保戶必備 APP，現代保險第 326 期，頁 76-85，2015 年 12 月。
吳崇璿、陳冠瑾、黃品瑄，壽險業應用大數據核保實務淺談，保險專刊第 31(2)期， 頁 197-223，2015 年 6 月。
周延鵬，FinTech 開放式創新－從專利佈局交易與企業併購談起，金總服務雙月 刊第 19 期，頁 7-21，2016 年 7 月。
許資旻，保險下一個未來，從傾聽消費者開始！現代保險第 332 期，頁 70-71，
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許資旻，放眼保險創新，「數據」是關鍵！現代保險第 334 期，頁 56-57，2016 年 10 月。
彭金隆，不合理的個資新規定，財務顧問第 324 期，頁 16-17，2016 年。
彭金隆，保險業如何因應保費精準定價趨勢？財務顧問第 328 期，頁 14-15，
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彭金隆，金融監理沙盒名字不重要，盒子裝什麼才是關鍵，財務顧問第 330 期，頁 14-15，2016 年。
彭金隆，保險業中心化的經營模式，還能穩若泰山嗎？財務顧問第 331 期，頁 14-15，2016 年。
彭金隆，溫暖服務與冰冷科技的競爭，財務顧問第 332 期，頁 14-15，2016 年。
黃楓婷，Pepper 去金融業上班－機器人能不能賣強制車險考驗監理智慧。現代 保險第 335 期，頁 48-50，2016 年 11 月。
溫紹群，陳威棋，陳鴻棋。金融科技(FinTech)之資訊安全議題－金融創新破浪 勝出的贏家。財金資訊季刊第 86 期，頁 6-9，2016 年 4 月。
鄧佳惠，業務員必備 APP 功能大評點，現代保險第 326 期，頁 86-93，2015 年 12 月。
鄭慧菁，培養科技專長 化阻力為助力－InsurTech 來襲保險業何去何從？現代
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12 月 23 日，http://www.rmim.com.tw/news-detail-10217 。金融監督管理委員會，金管會放寬保險業辦理網路投保業務，2014 年 8 月 26
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金融監督管理委員會，保險業普惠金融(Financial Inclusion)辦理情形，2016 年 10 月 25 日， 件金融科技(fintech)專利，2016 年 7 月 13
日，http://www.rmim.com.tw/news-detail-12438。
國泰金控，國泰人壽推出「全方位健康管理」，
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陳鈺馥，台灣發展金融科技 曾銘宗籲要有資安配套，自由時報，2016 年 8 月 23 日，http://news.ltn.com.tw/news/politics/breakingnews/1803794。
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法院判決
臺灣高等法院 100 年度金上訴字第 28 號判決。
行政函釋
財政部 88 年度台財融字第 88725263 號函。
其他
金融監督管理委員會，金融科技發展策略白皮書，2016 年。
林秀英，新興領域投資趨勢觀測系列(二)－保險科技篇，2016 年。
蔡茜堉，FinTech 專利前瞻趨勢與挑戰－金融科技專利現況，2016 年。
英文文獻
期刊、雜誌文章及研究報告
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Andrea Eichhorn, Leverage big data to fight claims fraud: How big data supports
smarter approaches to addressing claims fraud (2015).
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Andrea Keller, Bernd Fastenrath, The future of motor insurance: How car
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CB INSIGHT, KPMG, The Pulse of FinTech, 2015 in Review: Global Analysis of
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CB INSIGHT, KPMG, The Pulse of FinTech, Q2 2016 in Review: Global Analysis of
FinTech Venture Funding (2016).
David Piesse, Ian Meadows, Shaun Crawford, Blockchain technology as a platform
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Deloitte, Turbulence ahead-The future of general insurance (2016).
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Gary Reader, Mary Trussell, FINANCIAL SERVICES Transforming Insurance
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Joshua Davis, Peer to Peer Insurance on an Ethereum Blockchain: General
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Kate Smith, Blockchain reaction: Blockchain technology is poised to remake
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Progressive, Linking driving behavior to automobile accidents insurance rates- An
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PwC, An Annual Report (2016).
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PwC, Customers in the spotlight: How FinTech is reshaping banking (2016).
PwC, InsurTech: A golden opportunity for insurers to innovate (2016).
PwC, Opportunities await: How InsurTech is reshaping insurance (2016).
PwC, Peer pressure: How peer-to-peer lending platforms are transforming the
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