文档介绍：基于Rete算法的规则引擎在核保系统的应用 摘 要
摘要
核保业务是保险业务中的主要风险来源,需要核保人员的经验细致、认真、负责的进行承保前检查,尽量避免可能的保险欺诈和高风险标的。但依靠有限的个人经验和核保操作手册,面对成千上百的投保单,很难有效的通过人工方式进行检查和避险,经常会出现人为失误,甚至重大失误。同时,保险公司经常会根据政策法规和市场的变化情况、企业自身的发展水平来及时调整对应的风险控制程度、核保业务规则、产品费率等, 而原有的人工核保流程很难快速应对这些变化和调整。因此,保险企业对于核保业务的自动化、灵活性需求非常迫切。
首先分析了ACE日本损害保险株式会社原有的核保系统存在的问题,明确应用基于Rete算法的规则引擎来确保核保业务灵活性的必要性。在此基础上,讨论了核保管理系统的功能,对于核保规则管理、核保规则运行、核保权限控制和利用规则控制业务流程等主要流程进行了分析。然后分析了核保管理系统的架构,使用模块化方法对核保管理系统中的业务规则管理、规则运行引擎、自动核保等子系统进行详细的设计。其中重点讨论了如何利用基于Rete算法的规则引擎来实现对于核保业务规则的高效管理和运行,从而保证系统的有效性、灵活性和标准化。最后对于系统的性能和可扩展性进行了分析。
关键词:核保系统;规则引擎;Rete算法;业务规则管理系统
III
基于Rete算法的规则引擎在核保系统的应用 ABSTRACT
——————————————————————————————————————-—————————一一-一
ABSTRACT
Underwriting is the major risk source in insurance must be more meticulous,serious,responsible to check and survey the application before policy issuance. And they should preclude the possible insurance fraudulence activities and the insured objects with high it's very difficult for the underwriters to efficiently cheek the application and evaluate the risk one by one with operation guideline in paper and by experience wbell
facing tons of quotation application the manual operation brings about frequent
muff and sometimes even terrible the meantime,pany should opportunely adjust the risk control level,underwriting business rules and premium rates to the latest policy,legislation,market situation pany’S own development the original manual underwriting process is very difficult to rapidly respond to these changes and it's very imperative for pany to equip with flexible and automatically underwriting business system.
The issues in the original underwriting system of ACE Japan General pany is ’s confirmed the necessity to USe rule engine based on Rete algorithm for business then the business function of underwriting and the major flow 1ncluding underwriting rule management,rule execution,authority manag