英国谢菲尔德代写Essay:保险业

2020-01-10 13:15

除了政府会介入监管保险业以避免巨大的损失外，保险公司也会采取行动改善他们的表现，解决一些问题，如信息不对称。保险公司已经有了很多的改进，本文将重点放在两个方面，大数据的使用和物联网。大数据是保险行业收集和分析复杂信息的技术基础。它强大的“计算能力”使保险公司能够提高效率并检测欺诈索赔。多年来，保险行业一直受到复杂数据管理的困扰(Bharal和Halfon)。客户对方便快捷的索赔处理流程有着很高的要求，保险公司长期以来一直致力于消除欺诈性索赔。大数据被称为“大容量、高速度、高多样性”的数据集(“Big data”)，它解决了这两个问题，有助于信息处理和决策过程。随着巨大的技术发展，大数据在当今的保险行业中扮演着重要的角色，帮助处理各种各样的海量信息(Bharal和Halfon)。利用大数据，保险公司能够收集不同类型的数据，然后识别和分析索赔。例如，客户可以通过网站或移动应用程序(Bharal和Halfon)提供图像或视频来报告他们的索赔。然后，数据管理系统可以评估索赔并向保险公司生成简要报告。因此，一些欺诈可以被系统自动检测到，保险公司可能会进一步评估索赔的准确性和效率。
英国谢菲尔德代写Essay:保险业
 Besides the government would step in to regulate and monitor the insurance industry to prevent tremendous loss, insurers would also take actions to improve their performance and to solve some problems such as asymmetric information. The insurance companies have developed many improvements, and this paper would focus on two, which are the use of Big Data and Internet of Things.Big data is the technological foundation for the insurance industry for collection and analysis of sophisticated information. Its strong “computing power” enables insurers to improve efficiency and detect fraudulent claims. The insurance industry has suffered from sophisticated data management over years (Bharal and Halfon). Customers always have a high demand of a convenient and fast claim processing process, and insurance companies have been working on eliminating fraudulent claims for a long time. Known as a “high-volume, high-velocity and high-variety” data set (“Big Data”), big data manages to solve these two problems, contributing to the process of information processing and decision making.With enormous technological development, big data nowadays plays an essential role in the insurance industry, facilitating processing of various and tremendous information (Bharal and Halfon). With big data, insurers are able to gather data of different types and then identify and analyze claims. For example, customers can report their claims by providing images or videos through website or mobile applications (Bharal and Halfon). The data management system then can assess the claims and generate brief reports to insurers. So some frauds can be detected automatically by the system, and insurers are likely to further evaluate claims with more accuracy and efficiency. 

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