An Case Study On The Fine Management Evaluation Of The Group Short-Term Insurance Underwriting

In recent years,the government and the regulatory authorities have issued a number of institutional documents to create a positive policy environment for the development of the group insurance business.In 2015,the circular issued by the CIRC on issues related to promoting the healthy development of group insurance([2015]14)was officially issued.It is considered to be an important measure to promote the specialized operation of group insurance in the industry.The positive signal of the policy provides a broader market space for the development of the group insurance business,which provides an infinite possibility for the development of group insurance into the fast lane.In 2016,the total premium income of group insurance in China's insurance market was 156 billion 887 million yuan,of which the total premium income of group short-term insurance was 71 billion 918 million yuan,an increase of 20% over the same period in 2015.Facing the favorable policies and increasing market demand,how to get more underwriting profits and stand out in the fierce market competition has become a common concern of insurance companies.Group short-term insurance business with the real risk of risk factor,the standard insurance scheme is flexible and subject characteristics is not easy to obtain,group insurance underwriting is needed to meet customer demand for the insurance scheme based on compliance,and the need for accurate assessment of business risk,underwriting management is very difficult.Therefore,it is necessary to comprehensively group short-term insurance underwriting management focus,a group of short-term insurance underwriting management evaluation system,the evaluation of the underwriting management,and management for the insurance company to find short board,targeted improvement,and ultimately improve the underwriting profit,strengthen the competitiveness of the enterprise.In this paper,we use AHP to establish a group short-term insurance underwriting fine management evaluation system.The evaluation system includes four key indicators,namely,basic management capabilities,service capabilities,human resource management capabilities,risk management and control capabilities,and so on in 12 aspects.Taking the Z life insurance corporation as the research object,this paper evaluates the short-term insurance underwriting management of the Z life insurance corporation through the questionnaire survey.After the study found that the risk control mechanism is not perfect,sign a process being blocked,the insufficiency ofprofessional staff is the main reason lead to the insurance company management level is not high.Based on this,this paper combined with the actual development of the industry,the insurance company should cultivate enterprise culture of fine management,continuous optimization of underwriting processes and establishing comprehensive cost accounting system,establish underwriting vertical authorization system and vigorously develop information construction.