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一、传统体制下承保管理的状况和问题 (一)机构设置的缺陷。 从机构设置上看,人保公司的机构设置是按险种划分的,一般都没有设立专门的承保部门,有的单位即使设立了承保部(科),实质上也是与展业、出单结合在一起,并没有真正发挥承保的功能和作用。人保公司并没有建立起一支承保的专业队伍,在职称设置上,没有设置与保险相关的承保师或称核保师(Underwriter)、理算师制度。
First, the status and problems of underwriting management under the traditional system (a) the defects of institutional settings. From the institutional settings point of view, PICC’s institutional settings are divided according to the types of insurance, are generally not set up a special underwriting department, and even some units, even if the establishment of the Department of Insurance (Section), in essence, is also combined with the exhibition, a single out, Did not really play the role and function of underwriting. PICC did not establish an underwriting professional team. There is no insurance underwriter or underwriter or adjuster system in place of professional titles.