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.pdfVIP

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 CPIC UNDERWRITING CLAIMS SYSTEM UPDATE FOR THE BETTER RISK MANAGEMENT AND CONTROL STUDY OF PROCEDURE EVALUATION AND IMPLEMENTATION ABSTRACT Chinese insurance industry is in it’s cubhood. Although rapid progress has taken place in the recent years, Chinese insurance Co. is facing a big challenge. Various risks and problems are caused by the weakness of the Chinese insurance system itself and external market change, especially for China’s entry to WTO. To ensure the health and stable development of Insurance Business, it’s essential to set up an effective internal control system to strengthen the operation administration of the commercial insurance company. In Particular, we should set up a set of correct and effective process with scientific method to compliance the key points of the Underwriting Claims process. To focus on internal control of the key points during the process of the Underwriting Claims, we should combine the electrical management followed by the check report. Meanwhile, we should improve the statistic system and post-audit policy. To avoid any risk in business operation, we should copy with the national macro-prevention measures for better execution of the micro- business operation. We should integrate the risk prevention measures into the interest expansion to reach our target at last. CPIC audit report explore the risks existed in business operation in 2003. It took a negative effect on Underwriting Claims operation in insurance company due to the incorrect information caused by the risks of the moral hazard