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1、FinancialProductivityandEfficiencyinInstitutionsInsurance:AnOverviewoftheCenterIssuesbyDouglasO.CookJ.DavidCummins96-57THEWHARTONFINANCIALINSTITUTIONSCENTERTheWhartonFinancialInstitutionsCenterprovidesamulti-disciplinaryresearchapproachtotheproblemsandopportunitiesfacingthefinancialservicesindu
2、stryinitssearchforcompetitiveexcellence.TheCenter'sresearchfocusesontheissuesrelatedtomanagingriskatthefirmlevelaswellaswaystoimproveproductivityandperformance.TheCenterfostersthedevelopmentofacommunityoffaculty,visitingscholarsandPh.D.candidateswhoseresearchinterestscomplementandsupportthemiss
3、ionoftheCenter.TheCenterworkscloselywithindustryexecutivesandpractitionerstoensurethatitsresearchisinformedbytheoperatingrealitiesandcompetitivedemandsfacingindustryparticipantsastheypursuecompetitiveexcellence.CopiesoftheworkingpaperssummarizedhereareavailablefromtheCenter.Ifyouwouldliketolear
4、nmoreabouttheCenterorbecomeamemberofourresearchcommunity,pleaseletusknowofyourinterest.AnthonyM.SantomeroDirectorTheWorkingPaperSeriesismadepossiblebyagenerousgrantfromtheAlfredP.SloanFoundation1ProductivityandEfficiencyinInsurance:AnOverviewoftheIssuesDraft:October11,1994DONOTQUOTEORCITEWITHOU
5、TAUTHOR'SPERMISSIONExecutiveSummary:Inthispaperwehaveidentifiedthemajordevelopmentsandissuesthataffectproductivityandefficiencyininsurance.Wehaveusedthedesignation"Life"torefertodevelopmentsandissuesaffectinglifeinsurersand"P/C"forthoseaffectingproperty/casualtyinsurers.Thefollowingisalistingof
6、theseissues:1.Marketing,Relationshipmarketing,Distribution,Electronicdatainterchange,Marketsegmentation,Servicecenters,Pointofsalepolicyillustrations,Unbundlingofservices,Innovativepoliciesandproducts2.Underwritingandexpertsystems3.Dataprocessing,Generalissues,Outsourcingvs.in-house,Centralizat
7、ionvs.decentralization,Mainframevs.minivs.workstations,Imagesystems,Technology,systems,andsoftware,Linksbetweenmainframesandpcnetworks4.Claimssettlement5.Miscellaneous,Totalqualitymanagement,Reengineering,DownsizingMergersandacqui
