摘要
以我公司的业务数据为基础,分析并论证核保在防范逆选择方面的作用和效果。并针对数据分析结果提出在应对逆选择风险方面的对策和措施:提高人工核保件比例;进行逆选择风险保单特征分析;提高承保阶段风险选择的质量。
Based on the business datum with China Life Insurance Company, Yunnan Branch, this paper analysed and demonstrated the function and effect of underwriting against adverse selection. It put forward the countermeasures and steps in terms of coping with adverse selection, according to the results of data analysis： to increase the proportion of the amount of artificial underwriting, to analyse the features of risky insurance policy by adverse selection, to improve the quality of risk selection in the stage of underwriting.
出处
《保险职业学院学报》
2009年第6期31-35,共5页
Journal of Insurance Professional College
关键词
逆选择
核保
Adverse selection
Underwriting
