保险风险预测与征信服务——看美国保险公司如何应用征信信息

Insurance Risk Prediction and Credit Reference Services——A Perspective of Exploiting Credit Information by U.S.Insurance Companies

在美国,征信信息除被应用于授信类机构评估信用风险外,也被保险公司广泛应用于保险风险预测。而如何在企业和个人征信系统的基础上,逐步纳入保险等机构的相关信用信息,并依法向其提供方便、快捷、高效的金融业服务,是建立金融业统一征信平台的重要任务之一。他山之石可以攻玉,通过对美国保险公司使用征信信息的情况进行分析,为企业和个人征信系统扩展服务提供借鉴。

In the United States, in addition to being applied by the credit -granting institutions to assess the credit risks, credit information has also been widely used by the insurance companies to conduct insurance business, mainly for insurance risk prediction. How to adopt the related credit information from such institutions as insurance companies and offer convenient, fast, and efficient financial services for them, based on corporate and personal credit reference systems, is one of the important tasks to establish a unified credit reference platform for the whole financial industry. ＂Stones from other hills may be used for polishing jade＂, so, we can learn from the introduction of U. S. insurance companies using credit information and provide reference for expanding services offered by corporate and personal credit systems.