The development of insurance informationization and the new change of cloud computing

As a new technology, cloud computing will lift the third it wave after PCs and the Internet. However, at present, the whole society will also be in the cloud computing and other emerging technologies represented by a profound change. At the same time, as the insurance industry must be through advanced technology to promote their own changes, in reducing operating costs, while ensuring the quality of service and speed, thereby improving customer satisfaction.

The development course and actuality of insurance informationization in China

with the transition from planned economy to market economy and the transformation from extensive to intensive, the insurance institution of our country has developed from a single big to today, and the insurance market system has gradually perfected, and gradually established the information service and support system covering the whole country, The whole industry has been improving the level of information technology and the basic environment of informatization development. China's insurance information development is divided into two major stages:

The first stage, from manual to automated. The mainframe and personal computer ERA focuses on information processing designed to enhance the speed of information processing. The emphasis of this stage is to complete the evolution from manual business processing to computerized automatic processing, focusing on the improvement of business processing efficiency and the reduction of operating cost, and gradually realizing the full coverage of the insurance value chain through the development of various systems.

the second phase, from automation to centralization. With the popularity of personal computers, how to transfer the mass of information on each computer quickly, so that information can be shared with other computers, become an urgent problem to be solved, so the internet era came into being. The internet connects dispersed computers, making the information processing nodes of the whole society interconnected, and the message can be transmitted quickly and fully shared.

At present, although our country informationization construction obtains certain achievement, but our country insurance industry informationization Construction still has many can improve and consummates aspect.

first, the overall level of informatization is still not high. There is still a big gap in the aspects of promoting business innovation, improving management quality, improving fund running efficiency, preventing risks effectively, innovating sales service means and reducing operating cost.

Secondly, there is insufficient capital and manpower investment. It governance has just started, most companies do not establish a more perfect IT governance structure, some companies are just "shape" of it governance, it is difficult to adapt to the increasingly obvious integrated business trend of the insurance industry.

third, the consciousness and ability of scientific and technological innovation is weak. At present, the phenomenon of imitation and plagiarism in the field of insurance information is more serious, some companies develop independently, have weak operation ability and lack of innovation consciousness and ability.

Four, a lot of data assets are idle. The relatively extensive management caused the irregular business process, the information standard system is not unified, resulting in information systems fragmentation, data assets difficult to use, which not only restricts the information efficiency, but also restricts the scientific development of the insurance industry.

Cloud computing drives new changes in insurance information

Cloud computing is not a new technology, it is more of a concept, through the existing information processing and information transfer technology for the organic combination of the establishment of a safe and convenient information consumption model, promote the information consumption link change, promote social development.

first, the use of cloud technology can reduce the operating costs of insurance companies. Because using cloud technology does not require upfront investment in IT facilities, it provides services directly to the actual needs of the company. Therefore, insurance companies do not need a large number of IT equipment, nor need a large number of people to maintain and repair IT equipment. Not only the full release of IT resources, but also reduce energy consumption, to achieve low-carbon operation. Especially for the small and medium sized insurance companies, which can free up a large amount of funds, expand their business scope, enhance their competitive strength.

Secondly, the use of cloud technology can improve the efficiency of insurance companies. Generally one insurance company server's overall use efficiency is not high, sometimes the use efficiency only 10%-20%. The use of cloud services will only be turned on when the customer is in need, and can be turned off when they are not needed, thereby truly improving the efficiency of the IT facility. and a professional cloud service center compared to the independent IT departments of the company, the redundancy level is greatly reduced, can improve business processes, avoid duplication of tasks and inefficiencies.

The
accessibility environment is another benefit of using cloud computing. Whether the insurance company is big or small, the number of employees is small, any employee can at any time, any place to obtain their required documents and data, at home or at the scene, rather than rigidly adhere to the office, as long as any access to the Internet, employees can get the information needed. In this way, employees may need only a mobile phone or handheld computer, they can easily complete the work.

Finally, the use of cloud technology and data storage is more secure. Perhaps some people will worry about the use of cloud technology security, because the cloud services carry too much information and confidentiality, if the lawless elements to conquer, the consequences of unimaginable. In fact, however, which companies can guarantee that their company's data security is higher than the cloud service provider? You know, the cloud service providers will spend millions of yuan each year to protect the security of data, coupled with a professional information management team, can reduce the probability of accident risk to a minimum.

"Insurance Cloud" will be the future development trend

Cloud computing is the trend, and as a new business infrastructure, the business opportunities it brings will be in two areas: new delivery models and new insights from the big data age. As the insurance industry that serves the development of the national economy, it is vital for the development of the industry to grasp this technological tide of cloud computing. In the future, the "insurance cloud" will bring about a change in the way insurance services are effected: Insurance customers can complete insurance, claims, and security services for all insurance companies in an insurance store.

First of all, the full use of cloud computing technology, positive innovation to promote business development. More competition in the future insurance industry will be differentiated competition between products and services, and differentiated competition must have strong support of it technology. Mobile exhibition industry, mobile claims preservation has been widely promoted, it can be foreseen that in a few years, people will use the traditional computer is going to be less and more people through the tablet computer, mobile phone terminals, such as the use of service cloud, the insurance industry's IT department must change from the follower of technological innovation to the pioneer of technological innovation

Second, the insurance company IT department or third-party technology companies should comply with the trend of cloud development. The information Technology Department of the insurance company or the third party it technology company should conform to the development trend of cloud computing, while providing service for each business module of the company, enlarge the exploration practice of cloud computing. The first is to use the information system module that has been developed on line, and to provide other small and medium insurance companies with the core business, financial system and other public module rental services, not only can shorten the new insurance company preparation time, will also become a new profit point of technology companies.

Third, grasp the characteristics of large data age, using cloud computing to carry out data mining. At present, society has entered the era of large data, it is predicted that the flow of global mobile data between 2010 and 2015 will soar 26 times times, to 2015 only mobile data is expected to exceed 6EB per month. For the insurance industry, the data is showing that the numbers are getting bigger, and even more than imagined. The growth of the life insurance industry data refers to the number of levels of growth, telemarketing model of sales call records, network sales patterns of purchase records, etc. these all produce a large number of unstructured data.

Finally, the "insurance cloud" landing bottlenecks and countermeasures. The insurance industry is one of the most data streams in the industry, and has the advantage of using cloud computing technology. The initial consideration may be to build virtual private cloud services based on the facilities of the public cloud, just as a VPN can build a virtual private network on a common Internet facility. But the key to the insurance industry cloud computing is the problem of cloud services, such as: Customer data, business data, financial data in the cloud service provider is safe.

All major manufacturers have laid down insurance information

With the concept of cloud computing further landing, the major IT vendors to accelerate the pace of the layout of insurance information, have launched a "cloud insurance" solution.

Recently, IBM announced the cooperation with China Earth Insurance, through the deployment of enterprise Content management Solutions (ECM) to help China's land insurance to build a new underwriting operation management system, improve the operation efficiency, accuracy and cost-effectiveness of the underwriting system, improve the order, customer, The efficiency of information management such as employee and the effectiveness of enterprise decision. In addition, the successful implementation of the project not only optimizes the key business processes of China's Earth insurance, reduce risk, cut costs and increase revenue, but also strengthen China's land insurance business capabilities, helping business people respond to changing business challenges faster, taking the lead in the vehicle insurance and personal insurance services to achieve a flexible content lifecycle management.

HP, a global PC leader, has announced upgrades to its life, health and annuity strategy management system last year to help insurers improve agility, reduce risk, and speed delivery of new products, in addition to traditional solutions that are known as IBM. HP upgraded its Radience administration and INGENIUM systems to help companies improve the agility necessary to achieve "instant agile" businesses. In today's era of "instant-agile" services, businesses and governments need to respond quickly and effectively to ever-changing business and public demand.

In addition, Avaya, a corporate communications firm, announced earlier this year that the company had adopted Avaya IP Office solutions to enhance employee collaboration and save about 30% of communications costs. The Avaya system, including the Avaya 8300 Media server, efficiently connects the headquarters and branches of Amway life and expands with the business growth of Amway life to meet the company's business development needs in Jiangsu Province and other parts of the country.

At the same time, as the domestic management software giant Ufida has already targeted insurance information in this field. Its Ufida BQ business analysis can achieve the fine management of the insurance industry, closely follow the customer's changing requirements and service requirements. First of all, customer analysis, through the internal customer management system, call center records information, and other channels, all customer information is categorized. In addition, Ufida BQ has a professional report perspective, mining, drilling and other means to analyze the report data, and three-dimensional interpretation of various types of analysis models, KPI management model.

(Responsible editor: Lu Guang)