文档介绍：寿险公司后援集中运营模式探析
唐庚荣(新华人寿保险股份有限公司,北京 100073)
[摘要]随着我国寿险市场消费需求的持续快速增长,国内大多数保险企业纷纷研究并着手建立集中
运营的“大后援”模式,以应对业务快速发展所必须应对的统一、规范、高效运营管理与服务要求。集中
运营模式可以有效地控制风险,降低经营成本,提高服务品质。实施集中运营模式应从长计议,统筹规划;
科学设计组织架构,完善 KPI 体系,业务处理流程外包;重视人才培养,加大培训力度。
[关键词]寿险公司;集中运营;风险控制;流程变革
[中图分类号][文献标识码]A[文章编号]1004-3306(2008)06-0055-03
Abstract:Most of China′s life panies are now making efforts to establish their
integrated backup centers to provide uniform and standardized service with high quality and thus
to meet the needs of rapidly increasing business volume. The integrated operation mode can
effectively control the risk, reduce the operating cost, and improve service quality. It should
be noted that the integrated operation mode can not be established overnight and insurance
companies should make overall plans and take all factors into consideration. Scientifically
anization structure should be in place and Key Performance Indicators (KPI ) system
plete. Life panies should also pay attention to outsourcing and education
and training programs.
Key words:life panies; integrated operation; risk control; Business Process
Reengineering (BPR)
随着我国经济的快速发展和保险市场的不断成熟,人均 GDP、人均可支配收入和人均财富持续增长,
教育水平逐步提高,人寿保险意识显著增强,寿险市场的消费需求正持续快速增长。同时,国内大多数保
险企业也纷纷研究并着手建立起集中运营的“大后援”模式,以应对业务快速发展所必须应对的统一、规
范、高效运营管理与服务要求。
一、寿险公司集中运营模式的特点
近年来,国内已经具备足够业务规模和资金实力的大型保险集团为了顺应发展的需要,已经不同程度