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保险业加入征信平台已势在必行。但是面临着许多亟待研究和解决的问题。本文针对保险公司存在的认识问题,对保险业加入征信平台的重大意义进行了深入的分析。提出了按“总对总”方式接入、按险种占比大小突出重点、按保险机构市场份额有序加入等原则。特别是针对保险关系不同于信贷关系的特点,提出了信息采集第一主体为投保人,第二主体为被保险人,第三主体为受益人的观点;提出了要按照财产险和人身险保险标的物分类进行数据采集和征信报告生成;对财产险和人身险的基本信息和信用信息进行了差异性设计。
Insurance industry to join the credit platform is imperative. However, there are many problems that need to be studied and solved urgently. In this paper, the existing problems of insurance companies, the insurance industry to join the credit platform for the significance of an in-depth analysis. Proposed by the “Total to ” access, according to the size of the proportion of the proportion of outstanding priorities, according to the insurance market share orderly join the principle. Especially for the insurance relationship is different from the characteristics of credit relations, put forward the first subject of information collection as policyholders, the second subject as the insured, the third subject as the beneficiary point of view; proposed in accordance with the property insurance and personal risk insurance The subject matter classification data collection and credit report generation; the property insurance and personal insurance basic information and credit information were designed differently.