No matter in study or work, everyone will inevitably come into contact with papers, which are articles for us to study a certain problem in depth. So how to write a good paper? The following is a financial model essay I compiled for you for your reference, hoping to help friends in need.
abstract:
How to innovate the talent training mode of vocational schools, improve the quality of financial and insurance professionals, meet the needs of insurance companies and actively promote students' employment has become an important task for our professional development. Therefore, it is an effective way to cultivate financial and insurance professionals by establishing a workflow curriculum system based on the post requirements and focusing on the quality required by the post, and realizing the zero-distance docking between school personnel training and enterprises.
Key words:
Workflow; Professional post; Underwriting claim
According to the actual needs of the post, financial and insurance majors adopt flexible and diverse practical teaching forms, fully carry out industry teaching and practice, and students participate in practical operation; Starting from the job demand and focusing on the quality required by the job, we will train high-quality and high-skilled talents who are engaged in practical work such as business development, survey and loss determination, underwriting claims and customer service in insurance companies, insurance brokers, insurance assessors and insurance agencies, with comprehensive quality, strong adaptability, good teamwork spirit, integrity and dedication.
I. Training objectives and posts
Cultivate high-quality and high-skilled insurance front-line talents with comprehensive quality, strong adaptability, teamwork spirit, innovative spirit, honesty and professionalism, basic insurance knowledge, insurance business operation ability and professional skills, and be able to engage in business development, survey and loss determination, underwriting and claim settlement in insurance companies and insurance intermediary companies.
The work and main tasks are as follows:
(a) the task of insurance marketing is:
1. Develop customers and ensure the realization of sales targets;
2. Conduct recruitment, team building and business counseling;
3. Assist customers in claims settlement, payment, change preservation and other services; Participate in various business trainings arranged by the company.
(2) The tasks of insurance underwriting include: screening underwriting objects, determining insurance rates or prices of underwriting objects, and giving detailed answers to the reasons put forward by customers.
(3) The tasks of insurance claims include: determining claims cases, reviewing vouchers and materials, verifying insurance liabilities, and fulfilling compensation obligations.
(4) The main task of insurance customer service is 1. Provide professional consultation and business handling on insurance and claims for customers and agents by telephone, e-mail and counter; 2. Responsible for the filing management of paper documents and electronic documents of insurance policies and related materials; 3. Record and follow up the needs of customers and agents, and forward them to relevant departments to implement customer needs.
(5) Integrated back office tasks 1. Help sales staff to answer the reasons related to terms and contracts; 2. Fill in the insurance policy and cover the initial risk according to the industry management rules; 3. Responsible for handing over the insurance policy and product information with the industry management department; 4. Responsible for the management of important securities such as invoices.
Second, the occupation post demand analysis
According to the workflow of insurance companies, the professional posts are designed as: insurance marketing, insurance agency, insurance underwriting, insurance claim settlement, insurance customer service and comprehensive backstage posts.
(A) insurance marketing
Is to carry out business, especially the insurance business personnel of insurance companies. Insurance marketing job requirements:
1. Develop customers, ensure the achievement of sales targets, and correctly select insurance marketing channels;
2. Master the social skills, strategies and marketing methods to promote insurance products;
3. Calculate the premium correctly;
4. Have the ability of communication, cooperation and service innovation; 5. Assist customers in claims settlement, payment, change preservation and other services; Have a sense of teamwork. The corresponding courses include insurance marketing skills, insurance customer psychology, insurance marketing etiquette, insurance product analysis and so on.
(2) Insurance agents
Requirements for insurance agency position:
1. According to the research purpose of determining the target market, conduct research through questionnaires, telephone calls, interviews, etc.
2. Be able to communicate effectively with the interviewee; Be able to express the contents of insurance clauses in accurate and concise language, and be familiar with insurance professional knowledge and answers to all relevant reasons that customers may put forward. Give full play to your professional advantages and explain the insurance clauses in detail, accurately and easily. Have high language expression ability and the ability to analyze reasons; 3. Flexible use of marketing and social skills and strategies;
4. Be able to use computer for text input, and skillfully use office software; 5. Be able to fill in the insurance policy in a fixed format according to the company's requirements and establish relevant data files; Being able to open premium accounts according to the requirements of insurance companies and banks; Receiving insurance policies and receipts according to the requirements of insurance companies; Give it to the customer in time and introduce the function of receipt and claim procedure, change notice and claim notice;
6. Have financial knowledge and pay attention to reducing costs and increasing efficiency. Can correctly calculate the insurance premium; Will open an account in a bank;
7, always abide by the professional civilization etiquette norms; Standardized language and decent behavior; 8, can bear hardships and stand hard work, perseverance, hard work, serious, cautious, proactive; Have the service consciousness of customer first;
9. Have a sense of teamwork; Have the ability to resist setbacks; Have the ability to sum up their work in time, correct mistakes and remedy them;
10. Abide by relevant laws (insurance law, general principles of civil law), have business ethics, and ensure the greatest integrity. Need to obtain the "insurance agent qualification certificate".
(3) Insurance underwriting
Input the application information into the internal computer underwriting system of the insurance company; Collect risk information, identify, evaluate and limit risks; According to the underwriting policy, review the insurance application put forward by the insured; Decide whether to underwrite and make underwriting decisions; Make insurance documents
The post requirements of insurance underwriting mainly include: 1. Familiar with insurance-related laws, regulations, rules and policies; 2. Fully grasp the basic insurance theory and underwriting professional knowledge; Master insurance clauses, insurance contracts, practical handling strategies and basic principles, be familiar with policies, processes and service standards of insurance underwriting business management, and be able to correctly implement underwriting guidelines, policies and systems; 3. Skillfully use office system software and master statistical and quantitative analysis strategies; 4. Have good expression skills and strong communication skills; 5. Have keen observation ability, analytical judgment ability and team spirit; 6. Strong risk awareness and ability to identify, evaluate and limit risks; 7. Life insurance requires certain medical knowledge, and property insurance requires certain knowledge about motor vehicles (auto insurance) and import and export trade (water insurance).
Courses offered mainly include insurance underwriting.
(4) Insurance claim
Insurance claim position requires insurance claim knowledge; Be able to assist the claim adjuster to provide claims service for customers.
1, master the strategy of receiving the report, surveying and determining the damage, and register and file the case manually in time.
2. According to the filing notice, timely log in the outstanding claims, accurately select the cause of the accident, and accurately enter the estimated compensation amount.
3. Collect or collect relevant claim documents.
4. Prepare claim documents, and explain the reasons for refusal to pay to customers in case of refusal to pay, and properly handle disputes with customers.
5. Inform customers to receive compensation in time.
6. Bind and save the claim documents according to relevant regulations.
7. Prepare claims business statements every month; Prepare quarterly, semi-annual and annual claim analysis reports.
Courses offered include life insurance claims and property insurance claims.
(5) Insurance customer service
The work requirements of insurance customer service are:
1. Establish a customer relationship management system to sort out and analyze customer information.
2. Customer service based on customer demand and customer satisfaction.
3. Communicate many times, stabilize and expand customers, and provide follow-up services.
4. Communicate with customers through internet, telephone, fax and letter.
5. Skilled in using office automation software such as Office and operating business systems; Have a good sense of teamwork and strong work initiative.
6. Have a good sense of service and communication skills, and have strong listening, understanding and language expression skills.
7. Abide by the professional ethics of insurance practitioners, be conscientious, have a strong sense of responsibility and be able to work under pressure.
Courses offered include insurance customer service, etc.
(6) Integrated background
The tasks of the comprehensive backstage post include issuing bills and checking insurance policies, reminding the site to renew insurance, inputting information related to archiving business, coordinating with the backstage supervisor to sort out documents, and offering courses such as computer basics, insurance customer service, insurance product analysis and insurance underwriting.
Thirdly, the construction of learning field.
Off-campus training generally includes: first, on-site training in the business management center, financial center and customer service center of insurance companies to familiarize themselves with business operation processes; The second is to go to the scene of various types of insurance subject matter liability accidents, auto repair shops, etc. And cultivate the ability of on-site investigation, verification of compensation liability, analysis and settlement of claims. The third is to attend the morning meeting, night meeting and business training of the insurance company's marketing department, visit customers with insurance salesmen, and master marketing skills such as strange visit, appointment visit, clause explanation, refusal to solve, business negotiation and signing contracts.
References:
[1] Chen Junjie; Analysis on the construction of financial and insurance specialty in higher vocational colleges: China business community (first half); 20 10 03.
[2] Dong; Thoughts on strengthening the construction of off-campus practice teaching base for financial and insurance majors in higher vocational colleges: journal of hubei correspondence university; 20 1 1 08.
[3] Bao Qingtian; Discussion on the employment dilemma and countermeasures of higher vocational insurance graduates: value engineering; 20 1 1 17.
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