面向汽车保险和理赔管理的信息化系统设计和构建.pdf

中文摘要 随着我国居民人均汽车总量不断激增，也带动了汽车保险行业的迅猛发展。 当前汽车保险行业市场竞争逐渐加剧，以前传统的汽车保险理赔系统已经不能满 足当前保险公司开展汽车保险理赔业务的需求。因此，汽车保险与理赔工作要实 现快捷、高效的服务，就要建立起一套既满足对客户服务最大便捷化，又符合保 险公司在全国范围内进行集成管理的汽车保险理赔信息管理系统。在该平台上投 保人可以在任意城市进行申请报案和申请索赔服务，保险公司通过平台的应用可 以实现个性化理赔、现场理赔以及网上理赔等新型理赔服务。汽车保险与理赔信 息管理系统的构建和实现是提升保险公司理赔效能以及核心竞争力的有效手段 之一。本文以当前汽车保险信息化为背景，从汽车保险公司理赔业务的实际以及 目前系统的主要问题出发，分析现有汽车保险理赔系统与当前理赔业务的差距， 改善现有车险理赔系统的具体问题，详细分析汽车保险理赔业务需求，将以客户 需求为导向的思想贯穿全系统，从而构建起面向汽车保险与理赔管理信息化系统 设计和实现。 关键词：汽车保险；理赔；信息化；管理系统. Abstract The rapidly increased total amount of cars per capita in China has led to fast development of the auto insurance industry. Current competition in the auto insurance market increases gradually ，Conventional auto insurance claims processing system can no longer meet the current demand for automotive insurance claims of insurance companies. Therefore, Auto insurance claims processing work to achieve fast, efficient service，To establish a set of requirements for maximum facilitation of customer service, And has complied with the insurance companies nationwide for the integrated management of information management system of automobile insurance claims. Applicant may apply at any city on the platform reporting and claim service， Insurance companies through the platform application can implement personalized new claims, such as claims processing, claims processing, as well as online claims service. Car insurance and claim construction and realization of the management information system is to raise the effectiveness of insurance claims, as well as one of the effective means of core competence. This article on the background of current auto insurance information, From car insurance companies claim the business actually set out the main issues as well as the