保險商品審查制度與英、美、日、韓、星、陸之比較研究

Comparison of the Insurance Product Regulation between Taiwan, the UK, US, Japan, Korea, Singapore and China

本研究針對我國與英國、美國及亞洲等先進國家保險商品審查制度進行比較，研究發現英國完全毋須審查保險商品，美國為了解決跨州銷售的問題，將產品採核准送審並標準化，而亞洲國家的共同點，則是將新型態的保險商品列為核准範圍，並針對一般商品搭配不同程度的備查或核備送審方式，同時兼顧一定程度的監理、避免過度干涉契約自由，維持商品開發迅速性等。最終期望藉由參考國外保險商品審查制度，作為我國未來研議商品審查監理方針調整之參考。

This study compared the insurance product regulation between Taiwan, the UK, US, Japan, Korea, Singapore and China. The results indicated that UK insurers neither need prior approval before launching new products nor are required to submit filings after selling. In the US, the Uniform Product Approval Standards was developed for the products to be sold across the states. Prior approval from the Authority for sales of insurance products with any feature that doesn't appear in the existing market is common in Asia. But for other products, prior approvals are not required to facilitate market development and improve efficiency in most Asian countries. The study provides a reference for legislation adjustments in the future.