Cloud computing promises to help insurance industry out of bottlenecks

The development prospect of cloud computing

Cloud computing is the product of the integration of computer and network technology, such as grid computing, parallel computing, networked storage, load balancing, etc., with the help of SaaS, PaaS, IaaS, MSP and so on, to apply the powerful computing ability to the business. The core idea of cloud computing is to manage large amounts of computing resources in a unified way and to serve them as they are required to provide IT services as well as utilities.

Cloud computing is a huge development space. First of all, cloud computing conforms to the trend of social division of labor, is conducive to enterprise users focus on their own business, improve its operating efficiency, reduce costs. Second, cloud computing through the software to achieve the automatic unified management of all computing resources, users need not be in the cumbersome details of unnecessary effort, but also reduce the human operational risk. Again, cloud computing is transmitted over the Internet. At present, our country Netizen has reached 538 million people, Internet penetration rate reaches 39.9%, and transmission cost is relatively low, this provides the good condition for the rapid popularization of cloud computing.

Cloud computing helps the insurance industry get out of the bottle

At present, China's insurance industry bid farewell to the rapid growth of the decade, gradually enter the adjustment period. Honesty, service level, information asymmetry, operating cost and other problems have become the bottleneck restricting the further development of China's insurance industry. The introduction of cloud computing will help the insurance industry to get rid of this bottleneck in varying degrees.

First, the power of supervision and supervision, strong restrictions on the lack of integrity

Honesty is the basis of insurance management and development, but, credit construction has always been a major issue facing the development of insurance industry in China, the lack of integrity will seriously damage the image of the insurance sector, seriously affecting the healthy development of our insurance. The application of cloud computing in the insurance industry can help the insurance company to establish the credit mechanism in technology.

On the one hand, the establishment of the calculation resource pool of insurance is beneficial to the supervision and management of the insurance company and the control of the service quality of the branch office by the insurance company headquarters. such as the United States, the three major credit companies almost collect all the insurance data, and then sell at a low price, developed credit network for the violation of the formation of a strong credit constraints.

On the other hand, we can also establish an open and transparent information platform, public information, so that customers can use the information platform in the process of choosing a full selection of risks, avoid sales misleading, exaggerated insurance features cover the content of the exemption clause.

Second, promoting the informationization of insurance industry and improving the service quality of policy

First, the introduction of cloud computing will strongly improve the consistency of policy services. For a long time, because insurance salesman's overall quality is not high, the fluidity is big, causes the insurance company to the considerable quantity Policy service consistency is poor. The introduction of cloud technology will bring the information of the policy to the insurance company or higher level, so that the influence of the marketing staff on the quality of the policy service is greatly reduced, thus enhancing the continuity of the policy service and improving the service level of the policy.

Second, cloud computing has a powerful information processing function that provides the possibility for insurers to provide more humane services. With the improvement of people's living standards, customers want more user-friendly services, insurance companies will be the customer's financial situation, family members, hobbies, policy purchases, claims status and other information gathered, the use of insurance cloud powerful analysis and processing data features to classify customers, and analyze the various risks faced by customers, Targeted to provide customers with services to meet the various requirements of customers.

Again, from the claims service aspect, the insurance company may use the cloud computing with the hospital, the vehicle Damage Department union, once the insured Chuxian, the insurance company may in the first time grasps the insured each aspect the situation, and promptly makes the claim, enhances the insurance service the level and the quality.

Third, "perspective" trading parties, to resolve information asymmetry

Information asymmetry will affect the healthy development of insurance market, and the introduction of cloud technology in insurance will improve the information asymmetry of insurance industry to a great extent. First of all, the provision of IT services by the third party, breaking the insurance company's monopoly of information, in itself is a transparent supervision of the services of insurance companies. Secondly, after the introduction of cloud computing, the insurance company will have a stronger ability to deal with and use the customer's credit information, which is beneficial to the insurance company's internal or insurance companies to prevent the customers with bad reputation, reduce moral hazard and reduce the occurrence of insurance fraud cases.

Improve efficiency and reduce operating costs

First of all, the insurance company's own IT resource vacancy phenomenon is more common, using cloud technology to outsource IT business can release the vacant resources, thus reducing the cost of insurance company assets and reducing the cost of insurance companies.

Secondly, the use of cloud technology will greatly improve the information of insurance companies, in the signing, claims and other procedures for processing and information preservation cost advantages will be more prominent.

Thirdly, the informationization of marketing will greatly improve the efficiency of insurance company's exhibition industry. On the one hand, the use of Third-party sales platform, such as Jingdong, Taobao, such as the sale of standardized policies, which will greatly expand the insurance product sales channels. On the other hand, the network of marketing enables insurance companies to use scrap time to 388 million and still maintain a strong growth of mobile phone network users to promote insurance products, the effect and efficiency of the exhibition will be greatly improved.

In addition, cloud technology in all sectors of the application has been unstoppable, with the spread of cloud technology in all walks of life, the scale of the gradual expansion of the use of cloud technology will further reduce the cost of insurance companies will be a big "good".

The application of cloud technology is expected to help the insurance industry to greatly improve the current problems, break through the current development "bottlenecks."

Application of cloud computing in insurance industry

Two major issues to be noted

First, the security of information

Cloud services contain too much information and secrets, once the consequences of the leak will be disastrous, which life insurance policy for confidentiality requirements higher. Therefore, insurance companies should pay special attention to assessing the security of cloud service providers, and should also establish a firewall for customer information within the company.

Second, the reliability of cloud computing providers

Once a large-scale introduction of cloud computing in the insurance industry, the service failure will be very serious consequences, such as "water supply" "power outage" for the factory's impact. Therefore, the insurance industry should pay special attention to the soundness of cloud computing providers, and should set up a corresponding contingency plan for cloud computing within the company.

In short, the use of cloud computing "integration of internal resources, improve system efficiency, and promote business development" will become the focus of insurance industry information process, but also the information age insurance to seize the initiative to achieve sustainable development, the introduction of cloud technology for the insurance industry has important strategic significance.

(Responsible editor: The good of the Legacy)