{"skill":{"slug":"insurance-bidding-pro","displayName":"Insurance Bidding Pro","summary":"保险行业投标专家，覆盖保险公司/保险经纪/保险科技企业的投标全流程，包括偿付能力披露、再保险安排、监管合规声明、保险条款比对、风险准备金说明等保险特有模块。触发词：保险投标、团险投标、保险标书、偿付能力、再保险、CBIRC合规、保险条款比对。","description":"---\r\nname: Insurance Industry Bidding Expert\r\ndescription: AI-powered insurance bidding expert for China market — covers the complete insurance bid lifecycle including solvency disclosure (C-ROSS Rules II 2024), reinsurance arrangements, NFRA compliance, policy clause comparison, risk reserve explanations, and 2026 procurement law changes. Built for insurance companies, brokers, and insurtech companies. Keywords: insurance bid, group insurance bid, solvency, reinsurance, NFRA compliance, China insurance, 招投标法修订, 团险投标, 保险标书撰写, C-ROSS合规, 再保险安排, 银保监会, 政府采购, 电子投标, 标书生成, 废标检查, 保费报价, 条款比对.\r\nslug: insurance-bidding-pro\r\nversion: 2.0.0\r\n\ncapabilities:\n  - educational-reference\n  - advisory-only\n  - requires-human-review\n  - no-executable-code\n---\r\n\r\n# Insurance Industry Bidding Expert (Insurance Bidding Pro) / 保险行业投标专家\n\n> **⚠️ SECURITY NOTICE / 安全声明**\n> - **Type:** Educational reference / analytical framework ONLY\n> - **No executable code, scripts, or binaries are included in this skill**\n> - **No persistent storage, network calls, background execution, or credential collection**\n> - **All outputs are for reference only and require human review before real-world application**\n> - **This skill does NOT provide financial, legal, or insurance advice**\n> - **Users must exercise their own judgment and consult qualified professionals**\n\n\r\n\r\n> **English:** AI-powered insurance bidding expert — the definitive vertical skill for insurance companies, brokers, and insurtech companies participating in China government and corporate procurement bids. Covers solvency disclosure (C-ROSS), reinsurance arrangements, CBIRC regulatory compliance, policy clause comparison, and risk reserve explanations. Unique to this skill: insurance-specific bid modules that generic tools cannot provide.\r\n>\r\n> **中文:** 保险行业投标专家——保险公司、保险经纪公司、保险科技企业参与招标的必备垂直工具。覆盖偿付能力披露（C-ROSS体系）、再保险安排、CBIRC银保监会合规、条款智能比对、风险准备金说明等保险特有模块，是通用招标工具无法覆盖的专业场景。\r\n\r\n---\r\n\r\n## Trigger Keywords / 触发关键词\r\n\r\n**English Triggers:** insurance bid, insurance bidding, group insurance bid, insurance tender, solvency disclosure, reinsurance, CBIRC compliance, insurance policy comparison, CBIRC, C-ROSS, risk reserve\r\n\r\n**中文触发词（优先）：** 保险投标、团险投标、保险标书、保险公司招标、偿付能力、再保险、CBIRC合规、保险条款比对、偿二代、风险准备金\r\n\r\n---\r\n\r\n## Core Capabilities / 核心能力\r\n\r\n### 0. 2025-2026 保险投标最新监管动态\r\n\r\n| 时间 | 动态 | 对保险投标的影响 |\r\n|------|------|---------------|\r\n| **2026年1月1日** | 国家发改委招投标新规实施 | 招标人主体责任更明确，资格预审标准更规范 |\r\n| **2026年** | 《招标投标法》修订推进 | 投标保证金管理、电子化投标要求提升 |\r\n| **2025年** | 政府采购云平台扩大应用 | 保险投标需支持电子投标（PDF+结构化表单） |\r\n| **2024年3月** | C-ROSS规则Ⅱ全面实施 | 偿付能力披露数据更新，须用最新格式 |\r\n| **2025年10月** | 第四套生命表发布 | 影响定价基础，技术标中精算说明需更新 |\r\n| **2025年** | 金融机构联合黑灰产打击 | 招标方对保险公司反欺诈能力评估趋严 |\r\n\r\n### 1. Insurance Bid Document Generation / 保险投标文书生成\r\n\r\n#### 技术标模块\r\n- **公司资质**：保险许可证、营业执照、信用评级\r\n- **偿付能力披露**：核心偿付能力充足率、综合偿付能力充足率（按 C-ROSS 体系）\r\n- **再保险安排**：比例再保险/非比例再保险安排说明\r\n- **理赔服务网络**：全国理赔网点、理赔时效承诺\r\n- **风控体系**：核保规则、风控模型、反欺诈体系\r\n- **IT 系统能力**：核心业务系统、线上服务平台\r\n\r\n#### 商务标模块\r\n- **保费报价**：纯风险保费 + 费用附加 + 利润附加\r\n- **免赔额/免赔率设定**：根据风险暴露科学设定\r\n- **费率浮动机制**：历史赔付率挂钩的动态调整\r\n- **增值服务报价**：健康管理、风险咨询、理赔协助\r\n\r\n#### 废标风险检查（保险专属）\r\n- CBIRC 资质合规检查（保险许可证有效期、分支机构经营许可）\r\n- 偿付能力充足率是否符合监管要求（≥100%核心，≥150%综合）\r\n- 再保险安排是否符合监管要求（危险单位划分、合约分保比例）\r\n- 条款是否包含禁止性规定（格式合同条款排查）\r\n- 报价是否满足招标文件的实质性要求\r\n\r\n### 2. Insurance Policy Clause Comparison / 保险条款智能比对\r\n\r\n| 比对类型 | 说明 |\r\n|---------|------|\r\n| 主险 vs 附加险 | 保障范围差异、免责条款对比 |\r\n| 不同公司产品 | 同类型产品的条款优劣对比 |\r\n| 新旧条款 | 监管新规下的条款更新对比 |\r\n| 招标要求 vs 拟投保单 | 响应度分析 |\r\n\r\n### 3. CBIRC Regulatory Compliance / 监管合规检查（CBIRC）\r\n\r\n自动检查以下合规要点：\r\n- **《保险法》** 合规性（第 89-118 条条款检查）\r\n- **《保险公司偿付能力监管规则第 1-20 号》** 披露完整性\r\n- **《再保险业务管理规定》** 分保安排合规性\r\n- **《保险条款和保险费率管理办法》** 条款报备情况\r\n- **《保险经纪人监管规定》** 经纪机构资质检查\r\n\r\n### 4. Group Insurance Specialization / 团险专项能力\r\n\r\n- **团体健康险**：重疾、医疗、意外组合方案设计\r\n- **企业年金/补充养老**：方案设计、投资收益率测算\r\n- **关键人员保险**：董责险、关键人寿险方案\r\n- **员工福利计划**：弹性福利方案、自选套餐设计\r\n\r\n---\r\n\r\n## Workflow / 工作流程\r\n\r\n```\r\n阶段一：需求解析\r\n  → 识别招标类型（企业团险/政府统保/经纪招标）\r\n  → 提取保险责任范围、保额、免赔额等关键参数\r\n  → 识别投标人资质要求（注册资本、分支机构、偿付能力）\r\n\r\n阶段二：文书生成\r\n  → 调用 templates 生成保险行业特有内容\r\n  → 根据招标要求填入偿付能力、再保险等特有内容\r\n  → 生成技术标、商务标、资格证明文件三个分册\r\n\r\n阶段三：废标风险检查\r\n  → CBIRC 合规检查\r\n  → 核对报价响应度\r\n  → 检查签字盖章完整性\r\n\r\n阶段四：优化建议\r\n  → 基于历史中标数据给出报价优化建议\r\n  → 识别竞争差异化亮点\r\n  → 给出增值服务组合建议\r\n```\r\n\r\n---\r\n\r\n## Synergy with Other Skills / 与其他Skill协同\r\n\r\n- **tender-bidding-assistant**：通用招标流程可委托其处理\r\n- **docx**：用于生成最终的 .docx 投标文件\r\n- **xlsx**：用于生成报价明细表、保费计算表\r\n- **pdf**：用于合并扫描件（许可证、资质证书）\r\n- **insurance-solvency-reporter**：偿付能力报告深度内容\r\n","tags":{"latest":"5.0.2","CBIRC":"1.1.0","China-insurance":"1.1.0","banking":"5.0.0","bidding":"1.1.0","chinese-market":"1.1.0","compliance":"1.1.0","dianjin":"5.0.0","finance":"5.0.0","group-insurance":"1.1.0","insurance":"5.0.0","insurance-bid":"1.1.0","reinsurance":"1.1.0","risk-reserve":"1.1.0","solvency":"1.1.0"},"stats":{"comments":0,"downloads":678,"installsAllTime":1,"installsCurrent":1,"stars":1,"versions":7},"createdAt":1777675739532,"updatedAt":1780353322798},"latestVersion":{"version":"5.0.2","createdAt":1780353322798,"changelog":"Security compliance: fixed garbled text, added capability declarations and advisory-only disclaimers; enriched content with detailed steps, rules, and report templates","license":"MIT-0"},"metadata":null,"owner":{"handle":"gechengling","userId":"s17ewqc4f2s6gpcbm88hy7fgvn85kg1g","displayName":"lingfeng-19","image":"https://avatars.githubusercontent.com/u/8140166?v=4"},"moderation":null}