On August 18, 2022, Huanong Insurance self-developed "Tianqing" Auto Insurance Intelligent Decision System 2.0 version was officially launched, marking the full completion of the company's iterative upgrade path of digital and intelligent and the further formation of the "five vertical and six horizontal" digital and intelligent development pattern, promoting the construction of digital and intelligent Huanong 2.0 and the creation of digital and intelligent benchmark enterprises to a new level . This is based on the company's experience in digital transformation and upgrading and the development of specialized auto insurance in recent years. It took just 4 months to upgrade based on the 1.0 version of the "Tianqing" Auto Insurance Intelligent Decision System, and also accelerated the Huanong on the road of comprehensive digital transformation, highlighting the unique style of Huanong's development.
Huanong Insurance "Tianqing" Auto Insurance Intelligent Decision System 2.0 version was officially launched
2022 is the first year of Digital Intelligence Huanong. After the company launched the construction of independent scientific and technological capabilities in 2019 and completed it with the fastest speed of the industry (2 years and 9 months), Huanong Insurance launched the construction of a digital and intelligent operation decision-making center in 2022. Through the construction of the "five vertical and six horizontal" digital project, it will promote the digital and intelligent transformation of the general branch and coordinated development, and strive to build a digital and intelligent benchmark enterprise.
"Tianqing" Auto Insurance Intelligent Decision-making System, as the company's "five vertical and six horizontal" digital construction project and driving engine for business development, has maintained stable operation and excellent efficiency since the 1.0 version was put into production, and has solidly contributed to the "five vertical and six horizontal" digital construction and the efficient and high-quality development of the auto insurance business. The system fully supports core management functions such as pure risk pricing and market pricing, market policies and underwriting risk control, differentiated authorization and budget management, intelligent monitoring warning and traceability adjustment, and makes full use of data value in process management, business decision-making, layered authorization, etc., to enhance 's refined management capabilities. Not only can the risk pricing model be flexibly configured, the model iteration efficiency can be improved by 400%, laying a good foundation for intelligent product recommendation and intelligent risk control. It also breaks down product barriers and transforms the auto insurance independent pricing system from the original "product-centered" to "customer-centered" to help build a customer-centered digital decision-making center. At the same time, digital monitoring and intelligent decision-making of the full management link are realized, and the uncertainty of operations is transformed into the optimal configuration of certainty. helps car insurance business to achieve intelligent accounting operations. The company's auto insurance premium in the first half of 2022 was 874 million yuan, and increased by 23.65% year-on-year; the exclusive cost rate was 97.9%, and optimized by 4.2% year-on-year.
"Tianqing" Auto Insurance Intelligent Decision-making System 2.0 version is based on industry-leading technology and the accumulation of Huanong Technology's capabilities. It comprehensively upgrades and optimizes the system architecture, functional modules, system construction, etc., providing solid support for the high-speed and high-quality growth of subsequent auto insurance business. First, comprehensively optimize the system architecture, double the real-time quotation processing performance, and support 4 million+ concurrent quotation throughput per hour. The second is to improve the functional modules, based on the open source rule engine technology, to realize flexible visual configuration and one-click deployment of pricing models and market policies, and cooperate with workflow approval and permission subsystems to help business departments respond quickly and flexibly to the market. The third is to upgrade the operation system, based on the data center big data computing capabilities and intelligent algorithms, to achieve rapid rehearsal and back-tracking adjustments of policies and pricing rules, and to complete the construction of an operation system that is close to actual scenarios and meets user demands.
"Tianqing" Auto Insurance Intelligent Decision System Page
"Tianqing" Team
Follow-up, Huanong Insurance will continue to promote the construction of Digital Intelligence Huanong, comprehensively build a digital and intelligent operation decision-making center. Relying on technological means and digital and intelligent empowerment, we will go deep into the company's entire line and process, reshape the value chain of all links of the company, promote the deep integration and innovation of data, technology and business processes, further improve operational efficiency and customer service quality, and help digital decision-making digitalization, sales operations intelligence, product risk control online, customer operation interconnection, and management processes refinement, and lead the way to "become a model of entrepreneurial insurance companies that drive and value growth in innovation".
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