保险公司财险风险评估管理系统的设计与实现

发布时间：2018-11-05 10:47

【摘要】：早在上世纪八、九十年代,国外大多数保险公司的风险评估体系就已日渐成熟,而我国保险公司由于起步较晚,导致风险评估体系尚不健全。在我国加入世界贸易组织后,随之而来的是保险市场进一步开放,陆续有大都会保险集团(Metlife Inc)(MET)、纽约人寿保险集团(New York Life Insurance Co.)、德国的格林保险集团(Gerling group)、法国的CNP保险集团等国外保险公司进入中国市场,导致市场竞争愈加白热化,市场平均利润越来越低,因此各经营主体普遍重视风险评估工作。风险评估工作作为保险行业最为重要的工作之一,在保险行业的发展中起着重要的作用,在以往的风险评估工作流程中,往往依靠人工流转,导致效率低且错误率高,随着计算机网络技术的发展,越来越多的利用信息化技术来实现风险评估管理流程的网络化处理,进而优化风险评估的流程。本课题根据保险公司财险部风险责任的评估要求,通利获取的风险点以及计算方法,对投保人所投保的内容进行全面的风险评估,最终以分数或者报告形式对所投保险进行风险评定,为核保提供相应的风险评定依据。风险评估系统不仅可以实现风险评估的标准化管理,还可以实现全流程对各保险标的评估、审核以及查阅。同时通过记录投保人的风险项目及历史赔付情况在后台对此投保方建立相应的风险档案,在后期的续保过程中,能够较为方便的对该投保方进行风险定位,从而实现差异化的服务。风险评估管理系统设计采用J2EE分层模型的思想,完成了系统的分层实现。采用了Spring与DWR相结合,实现了AJAX的无缝整合,界面层采用了最新的EXTJs框架,做到了浏览器的兼容,美化了界面,同时引入了在线HTML编辑控件-FCKEDIT,使得风险录入模板,报告模板的在线编辑,系统开发了自定义控件解析模块和公式解析模块,实现了风险评估项的在线自定义、编辑、解析、计算等,使操作系统便于维护并具备一定的拓展能力。
[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.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：TP311.52

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