Under The Premise Of The Automated Rules Engine,the Underwriting Manatement Research Of IA Life Insurance Company

From 2010, the life insurance industry has been rapid development, but the market competition has become increasingly fierce.In order to improve the insurance supervision, the government promoted a series of regulatory policy.Many life insurance companies change the strategy, from the expansion of the sales strategy, to the era of operation management.Effective underwriting risk control has become the key factor, in the competition of life insurance application process, this paper introduces the theoretical basis of underwriting, project management and rule engine technology.then, in-depth analysis of the banking system life-insurance company case,This paper discusses using the rule engine technology, and how to solve the management problems of new underwriting contract.The first of all, the paper introduces the current situation of China's life insurance development, the present market opportunities and challenges, and then put forward the significance of this thesis, and briefly introduces the relevant theories at home and abroad;Secondly, through the analysis of relevant theory, the paper studies the use of the project management technology and the rules engine technology;Then, introduce and analyze the situation of underwriting management of IA company, found difficulty in underwriting management;Finally, research on IA Company underwriting management and planning corresponding scheme, using the rule engine system, implement effective underwriting risk control, help the company improve underwriting management capabilities in all aspects.Through the combination of theory and practice, this thesis constructs a control method of underwriting risk, in life-insurance company.This method conforms to the requirements of the development of China's life insurance market, especially the emerging non-traditional life insurance companies (such as bank holding insurance company)to strengthen the underwriting ability.I hope the research can help to improve the management level of IA, underwriting, and to offer practical value and reference significance to the present stage of life insurance industry development.