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论文编号：	10408
作者编号：	2220160676
上传时间：	2018/12/6 12:47:11
中文题目：	A公司保险业务反欺诈风控平台设计与实施研究
英文题目：	Research on the Design and Implementation of anti-fraud risk control platform for the Insurance Business of A insurance company
指导老师：	杨俊
中文关键字：	反欺诈;风险控制;大数据
英文关键字：	Anti-Frau;Risk Management;Big data
中文摘要：	根据德国安联集团研究部门最新发布的《全球保险市场调研报告》可得到，2017年全球保费总收入又创新高，达到3.66万亿欧元。目前，我国保险业持续不断的发展，随之而来的却是保险欺诈案件的发生，欺诈方式呈现出新的特点，影响恶劣。目前而言，我国保险业风险控制体系尚不完善，风险管理理念较差；保险企业普遍重视显性风险，往往忽略保险欺诈式隐性风险，保险企业以业务发展为导向，尤其注重规模、收入、速度，忽略保险本身的质。各大保险企业以增加保费收入为主要目的，在实际业务中，重视保费，轻视风控。 本论文将以A公司为研究主体，在当前保险业发展的大背景下，结合本公司实际发展情况，从契约流程、保全流程、理赔流程等方面对A公司进行反欺诈风险控制的研究，从而找出A公司反欺诈风险控制现状所存在的问题，以及针对这些问题进行分析。之后明确反欺诈风险控制研究思路，从发展策略以及技术策略两个角度对风险控制平台与传统风险控制进行对比，比较智能风险控制的优势，同时针对智能风险控制所存在的问题进行说明。 最后，对智能风险控制平台建设提出详细的建设思路，对智能风险控制平台搭建前后，保费收入、核保及理赔欺诈识别进行对比，分析智能风险控制在搭建后对业务的促进作用。对该论文进行总结，提出研究的局限性以及未来的展望。 建立风险控制平台是非常有必要的，再加上互联网技术的不断普及，不断发展，将科技融入到风险控制中，智能风险控制将大幅度提升业务的质量，提高承保质量，降低理赔赔付率，提高理赔时效，提升用户满意度。 智能风险控制当前还存在着一定的问题，需要在后续的发展过程中不断完善以及更新。由于时间的限制，当前智能风险控制仅仅是对客户承保、保全、理赔等方面进行风险控制；没有对销售人员可能带来的风险进行控制以及在产品定义、加保等方面进行风险控制，之后在完善以及更新时，A公司会将其作为重点项目纳入智能风险控制平台。 关键词：反欺诈；风险控制；大数据
英文摘要：	According to the latest Global Insurance Market Research Report released by the research department of Allianz Group of Germany, the total global premium income in 2017 reached a record high of 3.66 trillion euros. At present, the continuous development of China's insurance industry is followed by the occurrence of insurance fraud cases. The fraudulent approach presents new characteristics and has a bad influence. At present, China's insurance industry risk control system is still not perfect, risk management concept is poor; insurance companies generally attach importance to explicit risks, often ignoring implicit risks, insurance companies are guided by business development, with particular emphasis on scale, income, speed, Ignore the quality of the insurance itself. The major insurance companies have the main purpose of increasing premium income. In the actual business, they attach importance to premiums and despise claims.This paper will take Company A as the research subject. Under the background of the current development of insurance industry, combined with the actual development of the company, it will control the business risk of Company A from the aspects of contract process, preservation process, renewal process, and claims management. Research to identify problems in the current state of risk control of Company A and to analyze these issues. After that, the research ideas of intelligent risk control are clarified. The intelligent risk control is compared with the traditional risk control from the perspectives of development strategy and technical strategy. The advantages of intelligent risk control are compared, and the problems existing in intelligent risk control are explained.Finally, the detailed construction ideas for the construction of intelligent risk control platform are put forward. Before and after the establishment of the intelligent risk control platform, the premium income, the nuclear insurance hit rate, the claims compensation ratio and the settlement time limit are compared, and the intelligent risk control is promoted after the construction. effect. Finally, the paper is summarized, and the limitations of the research and the future prospects are proposed.It is very necessary to establish a risk control platform. Coupled with the continuous popularization of Internet technology and continuous development, technology will be integrated into risk control. Intelligent risk control will greatly improve the quality of business, improve the quality of underwriting and reduce the claims settlement rate. Improve claims timeliness and increase user satisfaction.There are still certain problems in intelligent risk control, which need to be continuously improved and updated in the subsequent development process. Due to time constraints, the current intelligent risk control is only for risk control of customer insurance, preservation, claims, etc.; there is no risk control for sales personnel and risk control in product definition, insurance, etc. When it is perfected and updated, Company A will incorporate it as a key project into the intelligent risk control platform. Key Words：Anti-Frau；Risk Management；Big data
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