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China's insurance companies and operational management of operating costs


Established it can increase the performance of the job management system to reduce waste. Value-added operations shall meet the following conditions: ① the function of the job is clear; ② the job ags g at the final value of products or services provided; ③ the job can not work in enterprises throughout the chain is removed, merger, or be replaced. As long as one of the conditions are not met, the job is not a value-added operations. From the above process for the operation of the insurance business can be seen in the underwriting aspects of information gathering operations, Loss Prevention security checks links of links of Peifu operations and closing claims when checking documents is not a value-added operations job. 1. Collection of information is not value-added operations. Underwriting departments in deciding whether to accept insurance policyholders often want to make evaluations. Need to be used in the evaluation process-related information with the insured, and the types of information required for insurance with the insured may be. Such as life insurance, we must consider the moral quality of the insured, the insured person's health status, which brought the collection of information is not added cost to operating costs. For insurance, the final product, the collection of relevant information with the insured may not increase its population of 56 f * Monthly accounting theory) 2008.9 value, this is only done by the company for the insurance business of preventive measures, which increased the company's actual resource consumption. Because the relationship between the insured and the insurer is actually a principal-agent relationship exists between principal and agent conflict of interest and information asymmetry, moral hazard agent, an agent with Adverse Selection and the clients not the same appetite for risk assessment of risk issues will cause failure of the contract. Based on this, the company's underwriting department in determining whether to accept insurance when the insured to collect information on aspects of moral character is particularly necessary. 2. Added safety check does not work. Security check is part of the insurance company in the Loss Prevention is an important job. Loss Prevention is the insurance joint efforts to take measures to reduce or eliminate risk factors occur, thereby reducing the cost of the insurance business, improve economic efficiency of business activities. Key policy holders for security checks is one way of Loss Prevention,[link widoczny dla zalogowanych], but it is a non-value added work, because if all policyholders have a strong sense of responsibility, consciously establish Loss Prevention awareness, then the insurance company Key policy holders did not even need to carry out safety checks. For insurance, the final products, security checks will not increase its value, but the insurance companies do business preventive measures, the increase of human,[link widoczny dla zalogowanych], financial, and material resource consumption,[link widoczny dla zalogowanych], and therefore should be eliminated through process reengineering. But for now, the job is still difficult to eliminate in the short term, only by strengthening publicity and Loss Prevention to a variety of consulting work,[link widoczny dla zalogowanych], etc. as much as possible to reduce its cost. 3. Check the documents are not value-added operations. Peifu closed, the auditor needs to the various documents and information, including notice of dangerous condition, insurance policies, transcripts, proof of escape from danger, insurance, property damage inventory, site survey reports, technical identification book, a single loss goods recycling, claim calculations and so careful calculation, checking, and calculations on the signature in the claims. Manufacturing enterprises in the same testing procedures as checking documents and assignments are not value-added operations. Because \Therefore, the insurance company shall not add value as much as possible to eliminate this job. Insurance companies can establish a comprehensive quality management system to reduce operating costs, reduce waste of resources, and build on this basis can improve business performance and enhance the competitiveness of enterprises operating management system. In short, the insurance company during the course of operations management, operations should be added first and effectiveness analysis. For non-value added work or inefficient operations,[link widoczny dla zalogowanych], in the design of insurance products should be fully considered when minimize or eliminate non-value-added operations and inefficient operations, reduce the cost of insurance products. 【Note】 This article by the Social Science Foundation of Shaanxi Province (Project Number: 07E003Z), Northwestern Polytechnical University, \Main
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