人身保險產業，正處於一個市場環境、政府法令、高度資訊化等的產業轉型之際，面對如此變動的環境如何利用資訊科技的即時性、全面性、整合性與擴散性，不僅提供橫斷面的資訊蒐集更需要縱斷面的行為與趨勢分析，以期為決策制定者產生決策資訊之依據，而非只是資訊散亂的呈現。同時，企業為維持持續性的競爭優勢在於掌握對競爭環境及競爭對手狀態與動向的監控資訊，同時結合企業內部所處態勢與擁有能力，發展出適當的策略或戰術以因應外部快速變動之環境，即為競爭智慧系統所具備之特性及功能。 本研究即以個案公司作為產業落後者進行案例分析，探討在人身保險產業環境變動之下，個案公司應採取何種策略以因應市場環境及非市場環境下之激烈競爭，以及針對該種策略之實施，個案公司目前狀況與產業中之情況有何差距，並以核保流程為例說明施行該策略之效益與相關競爭智慧需求，最後基於該策略施行下所有相關使用情形、效益及契合度等資訊，設計一資料模型架構存儲相關有用資訊，以供決策之用。 研究結果發現，個案公司長期以來不擅於利用資訊科技輔助其營運流程及管理流程，並且對於資訊科技始終抱持保守心態以及沿襲低度投資之慣例，若能藉由建立競爭智慧系統掌握各家保險公司對於科技面之運行概況與方式，追蹤長期所產生之效益，並藉此評估自身競爭優勢，以提升企業競爭力，將有助於處於資訊科技落後之個案公司未來進行資訊科技決策時之參考依據。 / While life insurance industry is facing the revolution in not only the business environment but also regulations and highly informationization, how can firms use the immediateness, comprehensiveness, integration, and extension of information technology(IT) to provide cross-sectional data collection as well as longitudinal trend analysis to assist decision makers make decisions instead of presenting data in disorder. In the meanwhile, the essential factor in keeping continuous competitive advantage is to know well the environmental information, including competitive environment, competitors and strategies, and combine the firm’s strategic position, resources and capabilities together to develop the fit strategy or tactics to respond to the rapidly changing environment. That is exactly the characteristics and functions of competitive intelligence system. This research takes the case as a lagger for example to study what kind of strategy should the company adopt to face keen competition under market and non-market environment. With the implementation of strategy, what the gap between case and the industry is and take the policy-issuing for example to illustrate the benefits and competitive intelligence requirements related to the strategy. Last, based on all the information of that strategy implementation, benefits and alignment, design a conceptual data model to store all the useful information to provide integrated sources. The results show that the company hasn’t been good at utilizing the IT to assist their operating and management processes, and deeply held conservative attitude toward IT all the time. If they can know well the IT adoption and situation as well as track the benefits continuously in other life insurance companies through constructing competitive intelligence system, it’ll be helpful for company to evaluate their own competitive advantage comparing with others and provide useful references about IT decisions