Design And Implementation Of Underwriting System Based On Physical Examination Report

With the rapid development of China’s economy and the increasing improvement of people’s living standards,the insurance industry,as a necessary industry for people to seek a better life,is also developing continuously.Especially under the wind of insurance technology,the insurance industry is showing more and more vigorous development prospects.Underwriting plays an important role in the stable operation of insurance companies as the core of risk control.The traditional manual underwriting method has some problems,such as complicated underwriting process,low overall quality of underwriting personnel,low underwriting level and adverse selection risk of policyholder.As a key link in the application of insurance technology to risk control,automatic underwriting can make up for the shortage of manual underwriting,effectively liberate human labor and reduce enterprise costs.However,as insurance companies have high requirements for data and information security,there is still a lot of room for improvement of information asymmetry.Under this background,this paper designed and developed a underwriting system based on a medical report,the separation of front end development mode,the front end uses the React framework,and use tencent cloud to React the front end of the UI component library Tea to develop unified interface style and data visualization,the back end service invocation part,mainly to complete the data management and algorithm The front and back ends use Ajax for data interaction,while the database involves My SQL,Redis and Tencent Cloud Object Storage.Based on the research and demand analysis of underwriting business in the insurance industry,this paper designed and implemented six modules in detail: overview,structured task,underwriting task,data statistics,resource package management and operation record.After passing the strict test,the underwriting system was finally put online.At present,the underwriting system has reached a high accuracy rate of underwriting.The work results and quality of the underwriting system were visually displayed through data visualization,and the profit purpose of the underwriting system was realized by docking with Tencent cloud billing system.The underwriting system designed and implemented in this paper not only improves the efficiency of underwriting but also improves the accuracy of underwriting through the second underwriting by the underwriting personnel,thus improving the risk control level of insurance enterprises and achieving the goal of reducing costs and increasing efficiency.At the same time,the system is mounted on Tencent cloud to serve small and medium-sized insurance companies for automatic underwriting,and the insured data will be deposited as industry assets to improve the information asymmetry in the insurance industry.