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日本最大保险公司成功完成海运保险区块链应用

据媒体报道,近日,日本最大保险公司之一的东京海上日东火灾保险有限公司(Tokio Marine & Nichido Fire Insurance)与日本知名的IT公司NTT数据(NTT DATA)成功完成了在区块链当中纳入海运货物保险理赔文件的试点项目。

东京海上日东公司在近日发布的新闻稿中表示,此项区块链的概念证明(PoC)已经得到8家海外索赔代理以及欧洲、美国和亚洲各地海损鉴定员的参与。

该项目的主要目的是“及时并准确”收集保险有关信息并与国际有关各方分享相关信息,以此来快速的完成保险赔付过程。

目前为止,海运货物保险理赔程序都是手工进行操作的,代理商需要以纸质或PDF形式收集所需的文件(包括损坏报告、费用清单以及保险单),并在之后通过电子邮件来共享这些文件。

为了改进这个缓慢且低效的过程,这两家公司进行了此次试点,并表示此过程将允许他们迅速与代理商和海损鉴定员分享索赔的必要信息(包括如货物损坏照片等大文件)。

该区块链系统可将长达一个多月的保险赔付期压缩到“不到一周”的事件,而这将大大的提高效能和运作效率:

“我们已经通过此PoC证实了区块链技术可以有效的改善海运保险理赔程序。”

此两家公司于去年10月宣布了该项目,并于2017年11月到2018年8月期间进行了试点。这两家公司还表示,他们将继续发展并完善该平台,计划并希望在2019年完成该技术的“实际应用”。

One of Japan’s largest insurance companies, Tokio Marine & Nichido Fire Insurance, and IT firm NTT DATA have completed a trial that put the paperwork for marine cargo insurance claims on a blockchain.

Tokio Marine & Nichido said in a press release Wednesday that its blockchain proof-of-concept (PoC) had seen participation from eight overseas claims-settling agents and surveyors located in Europe, America and Asia.

The key goal of the project was to achieve faster insurance payouts by providing a system to collect and share the required information “promptly and accurately” with involved parties located internationally.

Currently, the process of filing a marine cargo insurance claim is carried out manually, involving agents collecting the required documents, including damage reports, invoices and insurance policies, in paper form or PDF files. The documentation is then shared with surveyors via email.

Aiming to revamp this slow and inefficient process, the two firms said the trial allowed them to quickly share all the information required for a claim – including larger files like photographs of damage to cargo – with the agents and surveyors.

The blockchain system ultimately allowed insurance payout period to be reduced from over a month to “one week at most,” while performance and operational efficiency was improved, the release states, adding:

“We have confirmed the effectiveness of blockchain technology in marine cargo insurance claims procedures through this PoC.”

The two companies first announced the project in October last year and carried out the trial from November 2017 to August 2018.

The firms said they expect to continue to work on platform going forward, and aim to achieve the “practical use” of the technology in financial year 2019.

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