论文部分内容阅读
核保是保险公司进行风险选择和风险定价的过程,其重要性显而易见。集中式核保具有诸多优点,如有利于及时发现核保中的共性问题,有利于规范数据的录入,有利于解决分公司核保力量不足的问题等。但集中式核保模式中存在的效率和效果问题必须引起管理层的注意。在完全集中式的核保模式下,提高核保效率和效果可能是相互矛盾的。但是,可以通过对相关人员进行系统的有针对性的培训、明确的岗位责任和考核、监督制度以及电脑系统的充分利用来化解这一对矛盾。
Underwriting is the process by which insurers choose risk and risk, and their importance is obvious. Centralized underwriting has many advantages. For example, it helps to find commonalities in underwriting in a timely manner, facilitates the entry of normative data, and helps to solve the problem of insufficient underwriting strength of branch offices. However, efficiency and effectiveness issues in a centralized underwriting model must be brought to the attention of management. In a fully centralized underwriting model, it may be contradictory to improve the efficiency and effectiveness of underwriting. However, these contradictions can be resolved through systematic and targeted training of relevant personnel, a clear job responsibility and examination, supervision system and full utilization of computer systems.