Ekaterina Vladimirovna Sokolova
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Tatyana Vladimirovna Kotova
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Elena Vladimirovna Chernikina
The article highlights the problem of digital transformation of the insurance sector, which can facilitate the effective interaction of all participants, increase information transparency and improve the quality of analytical data, optimize the business processes of insurers, and involve a wider range of insurance services in the online environment. To simplify the work with customer data in the processes of automated data collection, analysis and storage, it is necessary to create
a single database. Such a base can be an insurance history bureau. The development strategy of the insurance industry of the Russian Federation for 2019-2021 provides for the creation and use of insurance histories for various types of insurance by analogy with credit histories. Given that in recent years, along with traditional types of lending, mortgage lending has developed, it is proposed to create a mortgage insurance history bureau. Based on the data on issued and prematurely repaid mortgage loans for 2012-2018, the volumes of this information bureau were determined and a forecast was made for 2019-2023 on the number of existing mortgage loans. A business model for the creation and functioning of a mortgage insurance history bureau is proposed, and a cost-effectiveness calculation is made, confirming the feasibility of this proposal. The process of creating and operating a mortgage insurance history bureau is illustrated, which includes two stages:
a preparatory stage for development of a regulatory document of the Central Bank establishing an access procedure and a list of information provided by insurers, amendments and additions to the relevant federal law, software development and definition of a bureau administrator insurance histories; an operation stage for the transfer of the client's dossier with the main parameters of the loan to the credit history bureau after acquiring a mortgage, transfer of the insurance company information about the concluded insurance contract for insurance bureau, storing information during the term of the loan, and five years after his retirement.