財產保險業再保險區塊鏈之發展與應用初探

A Preliminary Study on the Development and Application of Reinsurance Blockchain in the Property-Liability Insurance

近年來金融科技發展迅速，其中區塊鏈之應用範圍廣泛已及於諸多領域，再保險是其中之一，但保險業對於區塊鏈技術於再保險之應用，較少研究。本研究運用文獻分析並輔以深度訪談法，探討目前國內再保險實務運作流程及再保險區塊鏈應用的可能性。研究結果發現：1.再保險實務運作流程，不論臨時或合約再保險確實有缺點存在，其中以交易雙方資訊不對稱最為明顯。2.再保險區塊鏈應用，相對而言，業者比較有一致性共識，其中以降低作業的風險最受支持。3.發展意願部分，僅有一位受訪者對再保險區塊鏈仍存疑慮，其餘對發展再保險區塊鏈皆具有正面意願，但指出發展成本與後續效益是發展該技術首要考量條件。

In recent years, financial technology has developed rapidly. The application of blockchain has been widely used in many fields. Reinsurance is one of them. However, the insurance industry has less research on the application of blockchain technology to reinsurance. This study uses the literature analysis and the in-depth interview method to explore the reinsurance process and the possibility of reinsurance blockchain application. The findings are as follows: 1. the reinsurance operation process, whether facultative reinsurance or treaty reinsurance does have shortcomings, among which the information asymmetry of the two parties is the most obvious. 2. Reinsurance blockchain application, relatively speaking, the insurer has a consistent consensus on advantages, which is the most supported to reduce the operations risks. 3. Only one respondent still has doubts about the reinsurance blockchain, and the rest have positive opinions on the development of the reinsurance blockchain. But also points out that development costs and follow-up benefits are the primary factors for developing the technology.