论保险经营的“程序”理念

On the "Program" Idea in Insurance Operation

当前,我国保险经营欠缺"程序"理念,导致业务流程混乱、办事拖沓;规章制度流于形式;时效观念欠缺、责任意识不强;办事规则复杂、业务程序多变;业务潜规则众多;具体程序不够精细,模糊不清。保险业务程序的优化本身也是一种生产力,它能够提高保险企业管理水平与工作效率,是保险企业合法、合规经营的迫切要求,也是建立保险品牌效应,提升市场竞争力的必然要求。为之,保险企业应当遵守保险业务流程的安定性,推行保险业务流程的公开性,保证保险业务流程的正当性,追求保险业务流程的快捷性。

At present, China＇s insurance business lacks the concept of the ＂process＂, leading to many ambiguous. The optimization of the insurance business process is also a productive force. By means of it, the insurance companies can improve the level and efficiency in the management, the optimization of the insurance business process is the urgent requirement for the insurance companies to be legally compliant, to establish of the brand of insurance, to enhance in the market competitiveness. So, the insurance companies should comply with the stability of the insurance business processes, to ensure the openness of the insurance business processes, to ensure the legitimacy of the insurance business processes, to pursuit the quick nature of insurance business processes.