中国太平洋保险公司风险管控中的核保核赔系统改造和流程再造研究

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1、推广实施计划对于新系统推广后的预期效果工作量有一定程度的增加时效性上将有很大提高在工作流程和权限设置上比较合理能够满足两核集中管理的要求从根本上提高了核保核赔工作的质量及风险控制水平关键词风险管控核保核赔系统流程再造CPICUNDERWRITING&CLAIMSSYSTEMUPDATEFORTHEBETTERRISKMANAGEMENTANDCONTROLSTUDYOFPROCEDUREEVALUATIONANDIMPLEMENTATIONABSTRACTChineseinsuranceindustryisinit’scubhood

2、.Althoughrapidprogresshastakenplaceintherecentyears,ChineseinsuranceCo.isfacingabigchallenge.VariousrisksandproblemsarecausedbytheweaknessoftheChineseinsurancesystemitselfandexternalmarketchange,especiallyforChina’sentrytoWTO.ToensurethehealthandstabledevelopmentofInsu

3、ranceBusiness,it’sessentialtosetupaneffectiveinternalcontrolsystemtostrengthentheoperationadministrationofthecommercialinsurancecompany.InParticular,weshouldsetupasetofcorrectandeffectiveprocesswithscientificmethodtocompliancethekeypointsoftheUnderwriting&Claimsprocess

4、.TofocusoninternalcontrolofthekeypointsduringtheprocessoftheUnderwriting&Claims,weshouldcombinetheelectricalmanagementfollowedbythecheckreport.Meanwhile,weshouldimprovethestatisticsystemandpost-auditpolicy.Toavoidanyriskinbusinessoperation,weshouldcopywiththenationalma

5、cro-preventionmeasuresforbetterexecutionofthemicro-businessoperation.Weshouldintegratetheriskpreventionmeasuresintotheinterestexpansiontoreachourtargetatlast.CPICauditreportexploretherisksexistedinbusinessoperationin2003.IttookanegativeeffectonUnderwriting&Claimsoperat

6、ionininsurancecompanyduetotheincorrectinformationcausedbytherisksofthemoralhazardandadverseselectioninsociety.Tosolvetheproblemsasabovementioned,weshouldupdatetheUnderwriting&ClaimsSystemundertheriskpreventionadministrationandcontrol.Weshouldchangetheoperationmodulefro

7、msalesfocustothecustomerfocusunderthenewbusinessoperationguideline.Weshouldapplythee-commercialsolutiontoimplementtheriskmanagementonthebasisofthehealthandstandardUnderwriting&Claimssystemmeanwhile,tostrengthentheprocessdevelopment.Asaninsurancecompany,thefunctionofUnd

8、erwriting&Claimsmanagementsystemplananimportantroleonthemodernizationofthebusinessadministration.Itiscriticalforinsur