悬赏:热烈邀请从事保险、证券的同学热烈发帖，则优老胡送章或者加精 - 金融行业 - ITPUB论坛－专业的IT技术社区

wangjia

悬赏:热烈邀请从事保险、证券的同学热烈发帖，则优老胡送章（老胡自己的章）或者加精
在保险这个行业做了一点时间，略知一点皮毛，响应老胡同志的号召。准备开章。然保险业务也是比较庞大精深的，其中的主要的导向和银行的略有不同，我以为大致贯穿的关键词为，客户导向，灵活，快速响应，信息对称，分担风险，其他类似合规，这些类似。从公司内部组织框架来说，应该都不乏开源节流的总体思想。其中cost 的部分和admin职能和内容应该差异不大。我这里大体上首先考虑了一下关于开源的部分，也就是能够给保险公司带来主营业务现金流的部分。乍一想，列了如下的一个大概。分了点小标题和关键词。
觉得，真的要分享的话，我觉得应该是结合业务谈系统。希望能够有更多的朋友加入进来。我这里先献丑，抛砖引玉了。大家看看，欢迎补充和调整。
Insurance company Daily operation segment:
Policy acquisition process   customer service process
Revenue generation process to get a policy and bring the positive/negative premium, mainly focus on AR generation process
Overview:
Principle: Contract, civil law, customer focused/oriented bsiness, compliance, mutual exclusive authorization
Business types: General insurance or life insurance.
Revenue generation process
1.        Customer acquisition process, qualify a potential business, convert to a effective customer
2.        Production department: policy administration: New business acquisition, POS policy owner service/ customer service/ Endorsement, Renewal,
3.        Underwriting service, risk management: equitable risk information and pricing, third party reference, risk and risk transfer......
4.        Customer service: policy owner service
5.        Call center…
6.        Renewal service: policy persistency
7.        Claim service:   
8.        Reinsurance service: finance strain, policy acquisition and extension.
9.        Billing, payment, collection, Finance and reporting
10.        Intermediary management: business channel, agent management, Bancassurance, risk transfer, third party professional service…
11.        Organization management: distributed management concentrated style, access control and tasks
12.        Regulation and rule definition: business/process rule definition and resolution, version control, change during the date, mitigate the risk impact before change
13.        Compliance and third party supports: reporting platform, leverage 3rd system, cross system business service level quality…
14.        Modern application in insurance: closer to your client, quick response, Mobile solution, Web 2.0, client sharing strategy, more professional, standard and dedicated platform service
15.        Overall highlight about architecture focus: need for data quality, calculation, precision and completeness, audit trail everywhere, flexible rule definition and lifecycle, performance concern, open structure to integration, multi-process, multi-threads,
16.        Product category used: CRM, Core system (fat heavy or lean), accounting, Finance, BI data warehouse, platform, claim system. BPM. MDM. Call center.
rockyin58 发表于 2012-1-19 14:14

在保险这个行业做了一点时间，略知一点皮毛，响应老胡同志的号召。准备开章。然保险业务也是比较庞大精深的 ...