從NAIC保險資料庫的管理經驗看台灣保險產業資料庫之發展A Study of the Database Management of NAIC for the Database Development

摘要
　　美國保險監理官協會(NAIC)是美國保險業的重鎮，主要是由美國50個州政府保險監理官組合而成的機構，截至2008年年底，其所維護的資料庫及應用系統合計有85個，其中最具特色的資料庫當推全美最為複雜的保險財務資料庫(Financial Data Repository)及證券評等資料庫(Valuation of Securities)，本文除將剖析NAIC究係如何維護這些重要資料庫以及提供何種快速又便捷的查詢服務供各州監理官使用，以期能適時監督保險公司財務清償能力，供國內產官學界借鏡。
此外，本文亦將並介紹NAIC在提升保險公司申報資料正確性所做直接與間接的努力，作為國內保險產業未來發展之參考。
關鍵字：美國保險監理官協會、雲端計算、證券評等部門
Abstract
　　NAIC (National Association of Insurance Commissioners) represents a voluntary organization of the chief insurance regulatory officials of the 50 states. It contains 85 financial and market regulatory databases and applications. And the most distinguishing databases are the Financial Data Repository and Valuation of Securities. In this article, we will introduce how NAIC manages these databases and delivers what kind of services to serve the state insurance department for the need of financial solvency.
Besides, we also introduce how we can learn from the NAIC to promote the correctness and utilization of databases of the Taiwan insurance industry.
Keywords: NAIC, cloud computing, securities valuation office