Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwararren Ƙwaƙwalwa na Ƙaddamarwa ) da Tallafin Rubutu

Riba:

• Ability don kimanta ingancin shaidar da iyakancewar fitarwa yayin taƙaita aikace-aikacen, sanarwa da bayanan gwaninta tare da hankali na wucin gadi da alamar abubuwan haɗari.
• Ikon keɓance fitar da bayanan sirri na wucin gadi tare da sharuɗɗan manufofi da jagorar rubutowa cikin karɓa, ƙi, ƙarin ƙima da yanke shawara.
• Samun damar fahimtar cewa alhakin ƙarshe na yanke shawara ya ta'allaka ne ga wanda ya cancanta kuma dole ne a kiyaye haramcin nuna bambanci.

Rubutun ƙasa shine zuciyar inshora: shine aikin tantance haɗarin aikace-aikacen da yanke shawarar karɓar (ko ƙin yarda) manufofin akan waɗanne sharuɗɗan, tare da waɗanne ɗaukar hoto kuma a wane ƙimar. Lokacin da Underwriter (ƙwararren gwani wanda ya yanke wannan shawarar) ya dubi aikace-aikacen, a zahiri ya nemi amsar tambaya: "Shin yana da gaskiya kuma mai dorewa ga kamfani don aiwatar da wannan haɗari, a wannan farashin, tare da wannan garanti?" Don amsa wannan tambayar, ya zama dole a karanta fom ɗin aikace-aikacen, sanarwar mai inshorar, rahoton ƙwararru, bayanan lalacewa da suka gabata da bayanan masana'antu tare. Hankali na wucin gadi (software wanda ke koyon tsari daga bayanai da samar da rubutu da taƙaitawa) yana rage wannan nauyi na "karantawa da taƙaita takardu da yawa tare". Amma yi hankali: hankali na wucin gadi ya taƙaita haɗarin, ba ya ɗaukar haɗarin. Karɓa, ƙin yarda, ƙarin kari da yanke shawara koyaushe suna ɗaukar sa hannun ƙwararren marubuci. A cikin wannan rukunin, zaku koyi yadda ake amfani da hankali na wucin gadi cikin aminci a teburin rubutu, yadda ake auna ƙimar shaidar abin fitarwa, da yadda ake kiyaye rashin nuna bambanci.

A ina ake samun basirar wucin gadi da ke da amfani wajen rubutawa?

An underwriting file is often messy: forms in different formats, hand-filled declarations, long appraisal reports, tables. Wannan shine inda basirar wucin gadi ke da ƙarfi. Yana hanzarta hanzarta ayyuka masu zuwa:

• Takaitacciyar daftarin aiki: Rage rahoton gwanintar wurin aiki mai shafi goma zuwa rabin shafi, taƙaitaccen haɗari-da abu.
• Alamar haɗarin haɗari: Lissafin fitattun wurare kamar "Gini yana da shekaru 45, rufin katako ne, akwai ma'ajiyar mai a kusa."
• Gano bayanan ɓacewa / rashin daidaituwa: Don gano sabani tsakanin shekarar ginin da aka bayyana a cikin aikace-aikacen da shekara a cikin rahoton ƙwararrun.
• Samar da tambayoyin sarrafawa: Ƙirƙirar jerin bacewar bayanan da Ƙarfafawa zai tambayi abokin ciniki ko hukuma.

Abin da hankali na wucin gadi bai yi ba shine farashin haɗari kuma ya yanke shawarar yarda. Jumlar "Wannan haɗarin abin karɓa ne" ko "ya kamata a ƙara ƙimar kuɗi da kashi 20%" yanke shawara ce ta rubutowa; Ya kamata ya dogara ne akan jagorar rubutun (takardar cikin gida na kamfanin da ke bayyana ka'idodin karɓa), bayanin kuɗin fito da kuma yanayin gabaɗayan manufofin. Hankalin wucin gadi na iya tsara wannan shawarar, amma ƙwararren marubuci ne ya yanke shawarar kuma ya sanya hannu kan dalilin.

Hankali: Ƙididdigar ƙima, ɗaukar hoto ko shawarar yarda da aka ba da shawara ta hanyar basirar wucin gadi hasashe ne, ba hukunci ba. Babu shawarwarin da za a haɗa cikin manufofin ba tare da tabbatar da giciye tare da jagorar rubutowa da sharuɗɗan manufofin ba.

Ƙididdigar ingantaccen ingancin fitarwa

Lokacin da AI ya nuna alamar haɗari, da'awar ce; ba hujja ba. Kyakkyawan mawallafin rubutu yana kallon kowane da'awar tare da tambayoyi uku:

1. A kan wane takarda ne wannan da'awar ta dogara? Idan basirar wucin gadi ta ce "haɗarin wuta yana da yawa", daga wane binciken masana ya samo wannan? Idan babu tushe, ana iya yin shi.
2. Shin da'awar na cikin wannan fayil ne ko kuwa zato ne na gaba ɗaya? AI wani lokaci yana ƙara bayanai na gaba ɗaya kamar "a cikin waɗannan nau'ikan wuraren aiki, yawanci…"; Gaskiyar gaba ɗaya ƙila ba ta aiki a cikin wannan fayil ɗin.
3. Za a iya tabbatar da da'awar? Za a iya tabbatar da shekarun ginin daga takardar mallakar, kuma ana iya tabbatar da tarihin lalacewa daga tambayar SBM (Cibiyar Kula da Inshora da Kulawa). Kar a yi amfani da da'awar da ba za a iya yin ta a matsayin tushen yanke shawara ba.

Tukwici: Koyaushe haɗa jimla mai zuwa a cikin faɗakarwa: "bayyana daftarin aiki/shafi wanda kowane da'awar ya dogara akansa." Da'awar da ta kasa yin tsokaci kan tushe tana zuwa saman lissafin tabbatarwa.

Mataki-mataki: Rubutun da ke goyan bayan bayanan sirri na wucin gadi

1. A ɓoye sunan mahallin. Cire sunan mai nema, lambar ID, lambar manufa da bayanin lamba; maye gurbin gaskiya daidai.
2. Loda takardu kuma nemi taƙaitawa. Cire al'amarin haɗari, fitattun abubuwa da rashi tare da bayanin daftarin aiki.
3. Juya abubuwan haɗarin ku zuwa jerin abubuwan dubawa. Juya kowane abu da aka yiwa alama da basirar wucin gadi zuwa tambaya don tabbatarwa.
4. Ketare-tabbata tare da jagorar rubutowa. Bincika littafin jagora don sharuɗɗan karɓa, iyakoki iya aiki da keɓancewa na tilas.
5. Yi lissafin ƙimar da kanta. Yi lissafin ku tare da bayanin jadawalin kuɗin fito da tebur ƙimar fasaha; Kar a taɓa ɗaukar lambar kai tsaye ta hanyar basirar wucin gadi.
6. Rubuta hukuncin da dalilinsa. Yi rikodin yarda / ƙi / ƙarin ƙimar ku / yanke shawara, yana bayyana ƙa'idar da ta dogara da ita.

uku mini lokuta

Case 1 - Kama rashin daidaituwa. Ƙimar ginin da aka bayyana a aikace-aikacen manufofin fakitin gidaje shine 2,400,000 TL, kuma a cikin rahoton kima ya kasance 3,900,000 TL. A cikin taƙaice, AI ta sanya waɗannan lambobi biyu a gefe kuma ta yi gargadin cewa "bayanin darajar ba ta dace ba." Thanks to this warning, the Underwriter realized the risk of underinsurance (proportional payment in case of damage if the building is insured below its real value) and prepared an offer based on the correct value. AI ba ta yanke shawarar ba; ya sanya rashin daidaituwa a bayyane.

Case 2 - Kin gyarawa. A cikin fayil ɗin inshorar jigilar kaya, AI ya rubuta daidai adadin yana cewa "daidaitaccen ƙimar inshorar kaya na 0.15% ya shafi kayayyaki." Marubuci ya buɗe bayanin kuɗin fito: babu ƙayyadaddun ƙimar wannan ajin kayayyaki da hanya; Hankalin wucin gadi ya daidaita adadin. Underwriter yayi nasa lissafin lissafin; Sakamakon ya kasance 0.28%. Idan ba tare da asusun mai zaman kansa ba, za a yi rashin amfani da kuɗin da ake samu sosai.

Harka 3 - Tarkon nuna bambanci. A cikin aikace-aikacen jiragen ruwa na motocin kasuwanci, bayanan sirri sun ba da shawarar direbobi "ƙarin kari saboda unguwar da suke zaune a ciki yana da haɗari." Marubuci ya musanta wannan: yankin zama na iya zama madaidaicin wakili mai alaƙa da halaye masu kariya kamar kabilanci, haifar da wariya kai tsaye. Kyautar ta dogara ne akan halal, ma'auni masu dacewa kamar ainihin tarihin da'awar direbobi da bayanin martabar tuƙi.

Hanyoyi huɗu masu kwafi

1) Takaitaccen hadarin aikace-aikace:

Kai mataimaki na rubutun inshora ne na kasuwanci. Taƙaita wannan aikace-aikacen da ba a bayyana sunansa ba da rubutu na kimantawa:[manna rubutu] fitarwa:1. Batun haɗari (taƙaice)2. Fitattun abubuwan haɗari (labarai ta labarin, daftarin aiki / shafi a kowane)3. Bayanan da ba su cika ba ko rashin daidaituwa4. Tambayoyin da marubucin za su yi wa abokin ciniki/hukumar YIN ƙin yarda/ ƙi ko shawarar kari. Kada ku daidaita adadin da ba ku da tabbas game da shi; Rubuta "ba a cikin takarda ba".

2) Bincika tare da jagorar Rubutun:

Da ke ƙasa akwai taƙaitaccen haɗari da labaran da suka dace na jagorar rubutun mu. Taƙaitaccen haɗari: [manna] Jagorori: [manna] Aiki: Daidaita kowane abu mai haɗari a cikin taƙaitaccen abu tare da abin jagora mai dacewa. Yi alama a ƙarƙashin wani keɓaɓɓen taken maki waɗanda ke buƙatar keɓanta na tilas, ƙarin yanayi ko iyakar iya aiki bisa ga jagorar. Zan yanke shawara; kun daidaita.

3) Bace daftarin aiki da rashin daidaituwa browser:

Bincika don sabani ko tsallakewa tsakanin takaddun da ke cikin fayil ɗin aikace-aikacen mai zuwa: [takardun liƙa] Nemi daidaito, musamman a cikin fagage masu zuwa: ayyana ƙimar, shekarar gini/samuwar, amfani da aka yi niyya, adireshi, tarihin lalacewa. Nuna lambobi masu cin karo da juna gefe da kuma rubuta wace takarda suka fito.

4) Dalilin yanke shawara (bayan tabbatarwa):

DRAFT dalilin yanke shawara mai tushe bisa ingantattun bayanai masu zuwa: [tabbatattun abubuwan haɗari, ƙa'idar aiki, ƙididdige ƙididdiga] Sautin: na yau da kullun, bayyananne, mara nuna bambanci. Ƙaddamar da yanke shawara a kan halaltaccen ma'aunin haɗari; kar a yi amfani da halaye masu kariya (jinsi, asali, unguwa, da sauransu). Wannan daftarin ne; Hukunci na ƙarshe da sa hannun nasa ne na marubucin.

Rauni mai ƙarfi / Ƙarfi mai ƙarfi

Rauni: "Kididdige ƙimar da ta dace don wannan aikace-aikacen kuma gaya mana ko ya kamata mu karɓa."

Matsala: Ana buƙatar shawarar yankin ja kai tsaye (bonus + karɓuwa). Tun da basirar wucin gadi ba ta san jadawalin kuɗin fito ba, yana daidaita ƙimar; babu tushe, babu iyaka kuma babu tabbaci.

Ƙarfafa: "Yi aiki kamar mataimaki mai rubutowa. Taƙaita aikace-aikacen da ba a san su ba tare da bayanan daftarin aiki, nuna alamun haɗari da rashi. Kada ku yanke shawara ko karɓuwa; kawai jera tambayoyin da za a bincika."

Me ya sa yake da kyau: Ana kiyaye ɗawainiya a cikin yankin rawaya, ana iya tantance fitarwa, yanke shawara ya kasance tare da mai rubutawa.

kwatanta jadawalin

nema

Shin basirar wucin gadi yana yin shi?

Wanene ya yanke shawara?

tabbatarwa

Takaitaccen bayani

Ee (daftarin aiki)

Marubuci yana karantawa

Maganar daftarin aiki

Risk factor alama

Ee (shawarwari)

Marubucin ya tabbatar

Takardun tushe

Gano rashin daidaituwa/rashin daidaituwa

Ee

Marubuci yana kimantawa

interdocumentary

premium account

a'a

Actuary/marubuci

Bayanin jadawalin kuɗin fito, asusun mai zaman kansa

Shawarar yarda/ki amincewa

a'a

m underwriter

Jagora + sharuddan manufofin

Kuskuren gama gari

• Kai tsaye ta amfani da kari da aka bayar ta hanyar basirar wucin gadi. Samfurin da bai san jadawalin kuɗin fito ba ya sanya ƙimar; Koyaushe lissafta ƙimar da kanta.
• Karɓar abubuwan haɗari ba tare da tushe ba. Ba tambayar menene ƙwararrun lura da da'awar "haɗarin gobara" ya dogara akan.
• Bambance-bambance tare da ma'auni. Neman ƙarin shawarwarin kari dangane da unguwa, suna ko asali ba tare da tambaya ba.
• Kuskure na gaba ɗaya don fayil ɗin gaskiya. Tunanin cewa kalmar "A irin waɗannan wuraren aiki yawanci..." na cikin wannan fayil ɗin.
• Yin rikodin yanke shawara ba tare da hujja ba. Rashin iya amsa tambayar "wanne doka kuka dogara?" a lokacin tantancewa.

a takaice

A cikin rubuce-rubucen, basirar wucin gadi yana taƙaita daftarin aiki, yana nuna alamar haɗari, kama rashi da rashin daidaituwa, kuma yana haifar da tambaya mai sarrafawa; amma ba ya farashin haɗari kuma ya yanke shawarar yarda. Tace kowane fitarwa don tushe, mahallin fayil, da tabbatarwa; lissafta da kansa da kansa; Yi shawarar karɓa/ƙin yarda bisa ga jagorar rubutowa da sharuɗɗan manufofi. Kula da haramcin nuna bambanci: dole ne yanke shawara ya dogara da halal, ma'auni na haɗari da za a iya bayyanawa. Babban alhakin yana kan ƙwararren marubuci.

Aikin aikace-aikace

Samo fayil ɗin tunani na gaske (amma don dalilai na gwaji, ba a san sunansa ba). Ƙirƙiri taƙaitaccen haɗari tare da lambar gaggawa 1 a sama. Sa'an nan kuma kokarin nemo tushen kowane haɗarin haɗari da AI ​​yi alama a cikin daftarin aiki: nawa ne ke da tushen takaddun gaske, nawa ne zato? Yi la'akari da sakamakon a cikin tebur kuma rubuta abin da kuka yi don "da'awar da ba a samo asali ba."

jerin abubuwan dubawa

• [ ] Na ɓoye sunan mahallin aikace-aikacen.
• [ ] Na nemi taƙaitaccen haɗarin tare da bayanin daftarin aiki; Na umarceni "kada ku yanke shawara".
• [ ] Na tabbatar da tushen kowane haɗarin haɗari a cikin takaddar.
• [ ] Na ƙididdige ƙimar da kanta tare da bayanin kuɗin fito.
• [ ] Na yanke shawarar yarda/ki amincewa bisa ga jagorar rubutawa da sharuɗɗan manufofi.
• [ ] Na kawar da shawarwari masu canji na wariya/masu maye kuma na dogara da su bisa ingantattun ma'auni.
• [ ] Na rubuta hukuncin da hujjarsa.