| Summary: | 碩士 === 實踐大學 === 財務金融學系碩士班 === 107 === According to the literatures, there are many problems existed in the traditional reinsurance transaction process. If the transaction process can be improved, it will be beneficial to the development of reinsurance. Currently, there are some international reinsurance market operators attempts to improve the traditional reinsurance transaction process via the blockchain by forming alliances to test the application potential of the reinsurance blockchain. However, domestic research on the application of blockchain technology to reinsurance are less. Whether the insurers are interested in implementing blockchain while integrating with the international community is quite noteworthy. This is the motivation for research of this paper.
This paper collected relevant literature and using in-depth interviews method to investigate. The interview outline can be divided into two parts; the first part discusses the current domestic reinsurance transaction process; the second part discusses the possibility of using reinsurance blockchain. Based on the cons of the current reinsurance transition process and the pros of using the reinsurance blockchain, then ask whether the respondents have the willingness to develop.
According to the results, it shows that the first part is roughly consistent with the literature. However, it has a different transaction process for special cases in facultative reinsurance. There is no literature mentioned yet, which is an extra discovery. In the second part, the result shows that there are drawbacks in facultative and treaty reinsurance. Among these shortcomings, the information asymmetry is the most obvious. In the advantages part of the reinsurance blockchain, It is more than half of the advantages are recognized. One of the most optimistic advantages is to reduce the operating risk of manual operations. In the final part of the development willingness, only a few respondents still have doubts at reinsurance blockchain. The others have a positive willingness to develop the reinsurance blockchain, but also pointed out that development costs and follow-up benefits are premises.
This study suggests that the respondents should continue to pay attention to the development trend and technology status of the reinsurance blockchain in the future. It is recommended that the industry can establish an alliance for relative technology research and development, also can conduct testing in treaty reinsurance with relatively low difficulty. These can reduce the development cost and technology thresholds. It enables the domestic reinsurance industry to integrate with the international market in the future to maximize benefits.
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