【摘要】：早在上世紀(jì)八、九十年代,國(guó)外大多數(shù)保險(xiǎn)公司的風(fēng)險(xiǎn)評(píng)估體系就已日漸成熟,而我國(guó)保險(xiǎn)公司由于起步較晚,導(dǎo)致風(fēng)險(xiǎn)評(píng)估體系尚不健全。在我國(guó)加入世界貿(mào)易組織后,隨之而來(lái)的是保險(xiǎn)市場(chǎng)進(jìn)一步開放,陸續(xù)有大都會(huì)保險(xiǎn)集團(tuán)(Metlife Inc)(MET)、紐約人壽保險(xiǎn)集團(tuán)(New York Life Insurance Co.)、德國(guó)的格林保險(xiǎn)集團(tuán)(Gerling group)、法國(guó)的CNP保險(xiǎn)集團(tuán)等國(guó)外保險(xiǎn)公司進(jìn)入中國(guó)市場(chǎng),導(dǎo)致市場(chǎng)競(jìng)爭(zhēng)愈加白熱化,市場(chǎng)平均利潤(rùn)越來(lái)越低,因此各經(jīng)營(yíng)主體普遍重視風(fēng)險(xiǎn)評(píng)估工作。風(fēng)險(xiǎn)評(píng)估工作作為保險(xiǎn)行業(yè)最為重要的工作之一,在保險(xiǎn)行業(yè)的發(fā)展中起著重要的作用,在以往的風(fēng)險(xiǎn)評(píng)估工作流程中,往往依靠人工流轉(zhuǎn),導(dǎo)致效率低且錯(cuò)誤率高,隨著計(jì)算機(jī)網(wǎng)絡(luò)技術(shù)的發(fā)展,越來(lái)越多的利用信息化技術(shù)來(lái)實(shí)現(xiàn)風(fēng)險(xiǎn)評(píng)估管理流程的網(wǎng)絡(luò)化處理,進(jìn)而優(yōu)化風(fēng)險(xiǎn)評(píng)估的流程。本課題根據(jù)保險(xiǎn)公司財(cái)險(xiǎn)部風(fēng)險(xiǎn)責(zé)任的評(píng)估要求,通利獲取的風(fēng)險(xiǎn)點(diǎn)以及計(jì)算方法,對(duì)投保人所投保的內(nèi)容進(jìn)行全面的風(fēng)險(xiǎn)評(píng)估,最終以分?jǐn)?shù)或者報(bào)告形式對(duì)所投保險(xiǎn)進(jìn)行風(fēng)險(xiǎn)評(píng)定,為核保提供相應(yīng)的風(fēng)險(xiǎn)評(píng)定依據(jù)。風(fēng)險(xiǎn)評(píng)估系統(tǒng)不僅可以實(shí)現(xiàn)風(fēng)險(xiǎn)評(píng)估的標(biāo)準(zhǔn)化管理,還可以實(shí)現(xiàn)全流程對(duì)各保險(xiǎn)標(biāo)的評(píng)估、審核以及查閱。同時(shí)通過(guò)記錄投保人的風(fēng)險(xiǎn)項(xiàng)目及歷史賠付情況在后臺(tái)對(duì)此投保方建立相應(yīng)的風(fēng)險(xiǎn)檔案,在后期的續(xù)保過(guò)程中,能夠較為方便的對(duì)該投保方進(jìn)行風(fēng)險(xiǎn)定位,從而實(shí)現(xiàn)差異化的服務(wù)。風(fēng)險(xiǎn)評(píng)估管理系統(tǒng)設(shè)計(jì)采用J2EE分層模型的思想,完成了系統(tǒng)的分層實(shí)現(xiàn)。采用了Spring與DWR相結(jié)合,實(shí)現(xiàn)了AJAX的無(wú)縫整合,界面層采用了最新的EXTJs框架,做到了瀏覽器的兼容,美化了界面,同時(shí)引入了在線HTML編輯控件-FCKEDIT,使得風(fēng)險(xiǎn)錄入模板,報(bào)告模板的在線編輯,系統(tǒng)開發(fā)了自定義控件解析模塊和公式解析模塊,實(shí)現(xiàn)了風(fēng)險(xiǎn)評(píng)估項(xiàng)的在線自定義、編輯、解析、計(jì)算等,使操作系統(tǒng)便于維護(hù)并具備一定的拓展能力。
[Abstract]:As early as the eighties and nineties of last century, the risk assessment system of most insurance companies abroad has matured day by day, but the risk assessment system of our country insurance company is not perfect because of the late start. After China's entry into the World Trade Organization, the insurance market has been further opened, and there have been (Metlife Inc) (MET), New York Life Insurance Group (New York Life Insurance Co.), one after another. The German Green Insurance Group (Gerling group), France's CNP Insurance Group and other foreign insurance companies enter the Chinese market which results in the market competition becoming more intense and the average profit of the market becoming lower and lower. Therefore the main business bodies generally attach importance to the risk assessment work. Risk assessment, as one of the most important work in insurance industry, plays an important role in the development of insurance industry. In the past risk assessment workflow, it often relies on manual circulation, which leads to low efficiency and high error rate. With the development of computer network technology, more and more information technology is used to realize the network processing of risk assessment management process, and then optimize the risk assessment process. According to the risk assessment requirements of the property insurance department of insurance company, the risk points obtained by Tongli and the calculation method, this paper makes a comprehensive risk assessment of the insured. Finally, the risk assessment of the insurance is carried out in the form of score or report, which provides the corresponding risk assessment basis for the insurance. The risk assessment system can not only realize the standardized management of risk assessment, but also realize the whole process to evaluate, audit and consult the subject matter of insurance. At the same time, by recording the insured's risk items and historical indemnity, we can establish a corresponding risk file for the insured in the background, so that in the later period of renewal of the insurance, it is more convenient to locate the risk of the insured. In order to achieve differentiated services. The design of risk assessment management system adopts the idea of J2EE hierarchical model, and completes the hierarchical implementation of the system. Spring and DWR are adopted to realize the seamless integration of AJAX. The interface layer adopts the latest EXTJs framework to make the browser compatible and beautify the interface. At the same time, an online HTML editing control, FCKEDIT, is introduced to make the risk input template. The online editing of the report template, the development of the custom control analysis module and the formula analysis module, the realization of online customization, editing, parsing and calculation of the risk assessment items, which makes the operating system easy to maintain and has a certain ability to expand.
【學(xué)位授予單位】：天津大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2016
【分類號(hào)】：TP311.52

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本文編號(hào)：2311824