The Research On Risk Management Of China Continent Property & Casualty Insurance Company Claim System Development

With the State Council issued "Several opinions of the State Council on accelerating the development of modern insurance services"(hereinafter referred to as the "Country of Ten"),the development of the insurance industry is becoming the national will from industry level priority.The China insurance industry accelerated the development and a number of new insurance companies were approved.Thus,the investment on informatization infrastructure and system will be prospectus.On another side,the insurance industry expanded its capacity since 2005,however,information system has not been able to adapt the business development.More to mention,a lot of insurance software companies in China,especially the newly established small scaled ones,could not complete the system development projects on schedule because of bad project risk management and process.The insurance company claims system is critical to the core system.How to control and manage investment development claims system project risk,prevent and reduce losses,reduce or eliminate the risk of adverse effects,achieve at the lowest cost of project guarantee satisfactory results and ensure the smooth progress of the project,become the first priority of all.In this paper,the Project Risk Management Theory is used to establish a project risk management plan for the new system development by a typical insurance software company.Firstly,through the review of the document,check list analysis and information collection technology to understand the status of the project risk.Secondly,the insurance claims system construction project for the task of decomposition(WBS)and risk factor decomposition(RBS),through the qualitative analysis of the core risk factors to get the project.Thirdly,GERT random grid construction project claims in insurance,establish the main risk factors of quantitative grid transfer model,and then through the Monte Carlo simulation of dynamic depth stripping out the overall risk characteristics of the project and the sensitivity factors.Lastly,the sensitivity of movable key control.Through qualitative and quantitative analysis,risk identification,implementation of insurance claims in the process of risk assessment,risk response strategy and risk control to construct the whole life cycle of construction project claims in insurance risk management system.The research shows that,to carry out scientific risk planning,risk identification,risk assessment,risk response and risk control,strong implementation process of risk management for the projects,the construction of the new industry information system development project will be completed in accordance with the insurance project.At the same time,the paper also found a way to work in the future,and provided some references for the project risk management and project management.