保险收付费系统的设计与实现

发布时间：2018-11-10 22:44

【摘要】：在保险业核心业务系统中,收付费系统是连接前端业务系统和后端财务系统的桥梁,按照保险行业关于业务一体化、财务集中化的目标,结合保险行业在财务核算上的要求和业务发展上的需要,提供保费收付、手续费支出、赔款收付、再保结算、集中业务收付管理等多种业务管理和核算板块。在实现业务收付和财务核算的基础上,完成对保险准备金以及各种财务单证的管理。收付费系统是保险行业信息系统的重要组成部分,对保险公司强化风险管控、优化收支流程、提高处理效率、提升服务水平发挥着十分重要的作用。因此,对保险行业新一代收付费系统的研究具有非常重要的意义。本文依据财产保险公司日常工作需求,为满足行业发展的需要,以软件工程相关方法和技术为指导,详细阐述了从系统需求分析到设计与实现的整个过程。针对保险行业收付款业务处理流程的复杂性,经过系统的调查、分析,开发出操作简单、高度自动化的收付费系统。首先,本文结合业务需求,进行了系统需求分析,简单介绍了基础设置、查询分析、保费收款、赔款、退/减保收付、手续费收付、再保收付、票据打印等模块的功能;其次,通过对保险行业收付费业务和计算机领域MVC应用模式的分析,对系统的整体架构进行了设计。并且依据软件工程的方法实现了系统的总体设计和详细设计。最后,使用JAVA编程语言、MVC设计模式、DB2数据库对系统进行实现。本文对保费收款流程、赔款支付流程、手续费支付流程进行了功能性测试和压力测试。经测试,收付费系统所有的功能模块均可以正常运行,能够满足公司的实际需求,完成了保险公司在收付业务环节的基本业务目标。该系统具有一定的金融领域行业特点,收付费系统基于财产保险公司的业务特点出发,设计思想符合现代化企业管理理念,能够满足公司对收付费系统统一性、低耦合、自动化的要求。通过使用该系统,能够减少操作人员处理收付款耗费的时间,提高业务处理效率。该系统的成功为保险收付费系统建设提供了可借鉴的经验,对保险行业防范违规风险、提升服务水平有一定的指导意义。
[Abstract]:In the core business system of the insurance industry, the collection and payment system is the bridge between the front-end business system and the back-end financial system. In accordance with the insurance industry's goal of business integration and financial centralization, In combination with the requirements of the insurance industry in financial accounting and the needs of business development, this paper provides a variety of business management and accounting boards, such as premium receipt and payment, handling fee and expenditure, claim receipt and payment, reinsurance and settlement, centralized business receipt and payment management, and so on. Complete the management of the insurance reserve and all kinds of financial documents on the basis of business receipt and payment and financial accounting. The collection and payment system is an important part of the insurance industry information system. It plays a very important role in strengthening the risk control, optimizing the income and expenditure process, improving the processing efficiency and improving the service level of insurance companies. Therefore, it is of great significance to study the new generation collection and payment system in insurance industry. According to the daily work needs of property insurance companies and to meet the needs of the development of the industry, the whole process from system requirement analysis to design and implementation is described in detail, under the guidance of software engineering methods and technologies. In view of the complexity of the process of receiving and paying in the insurance industry, through systematic investigation and analysis, a collection and payment system with simple operation and high automation is developed. First of all, this paper analyzes the system requirements according to the business requirements, and briefly introduces the functions of basic setup, inquiry analysis, premium collection, indemnity, refund / reduction, collection and payment of charges, reinsurance, receipt and payment, bill printing and so on. Secondly, the whole structure of the system is designed by analyzing the MVC application mode in the insurance industry. According to the method of software engineering, the overall design and detailed design of the system are realized. Finally, using JAVA programming language, MVC design pattern, DB2 database to implement the system. This paper carries on the function test and the stress test to the premium collection process, the indemnity payment process and the handling fee payment process. After testing, all the function modules of the system can run normally, which can meet the actual needs of the company and complete the basic business objectives of the insurance company in the payment and receipt business. The system has certain industry characteristics in the financial field. Based on the business characteristics of the property insurance company, the design idea accords with the modern enterprise management concept, and can satisfy the unity and low coupling of the collection and payment system of the company. Automation requirements. Through the use of the system, the operator can reduce the time spent processing payment and improve the efficiency of business processing. The success of the system provides the experience for the construction of the insurance collection and payment system, and has certain guiding significance for the insurance industry to prevent the risk of violating the regulations and to improve the service level.
【学位授予单位】：东北大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：TP311.52

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