中文摘要 鑒於我國保險業為因應全球金融快速變革及市場競爭下的生存發展，全面推動保險監理現代化已是刻不容緩之事。而其中保險商品審查規定及審查效率是保險主管機關與保險業者角力的焦點之一。主管機關如何在協助保險業者快速的將商品推向市場與保障消費者權益間取得平衡的深奧學問，其中又以保險商品審查制度的良莠是主要關鍵因素。 美國保險監理官協會 (NAIC)於西元2000年的施政宣言中，將協助保險業者”加速審查保險商品” (Speed to Market)列為保險監理現代化最重要施政目標之一。”加速審查保險商品” 涉及保險商品審查制度之流程改善及作業簡化等問題，除了從制度面著手改革外，美國保險監理官協會並建置資訊系統 (SERFF)，將保險商品審查流程到導入電子化作業，不僅大幅提昇審查效率，更為業者及主管機關節省了大量紙張、郵遞、保存及調閱成本。 本研究將針對我國保險商品審查制度電子化進行探討，透過美國監理官協會之保險商品審查制度要求及電子化之工作模式探討，提出我國保險商品審查制度電子化之建議方案，作為保險監理現代化議題之參考。 關鍵詞：保險商品審查制度，Speed to Market，CARFRA，SERFF，Filing。 / Abstract Fueled by enhanced technology and globalization, the world financial markets are undergoing rapid changes. The nation's economy of Republic of China (R.O.C.) is struck after we had joined WTO, more and more serve situation we got to face. In order to protect insurance consumers of the future, insurance regulators are very careful to review filings, in the other hand, regulators have the responsibility to help insurance company to meet internationally competitive financial services marketplace. How to made the regulation have addressed that marketplace efficiently and effectively, insurance product approval process is need for modernization. The Statement of Intent of NAIC (National Association of Insurance Commissioners) in Year 2000 national regulatory first priority is “Speed to Market”. The working group took steps to improve speed to market for insurance products. This would include development and implementation of a system to re-engineering insurance product approval process. NAIC planned to built up SERFF (System for Electronic Rate and Form Filing) that offer a number of advantages for regulators and insurance companies seeking to get products to market in a timely manner. In fact, the SERFF system saved more money in great amount of documents, delivery cost and time saving in filing process. This paper attempts to study the opportunity of electronic insurance product filing in R.O.C., and suggests a solution for regulation modernization. Keywords: Speed to Market, CARFRA, SERFF, and Filing.