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Insurance business risk scoring system and construction method thereof

A technology of risk scoring and construction method, applied in the field of insurance business risk scoring system construction method and insurance business risk scoring system, to reduce costs, improve customer service level, and promote business development

Inactive Publication Date: 2017-11-10
TAIKANG LIFE INSURANCE CO LTD
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] However, the technical solutions of existing technologies still have a lot of room for improvement in terms of the accuracy of risk assessment and the deep mining of empirical data.

Method used

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  • Insurance business risk scoring system and construction method thereof
  • Insurance business risk scoring system and construction method thereof
  • Insurance business risk scoring system and construction method thereof

Examples

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Embodiment Construction

[0049] Example embodiments will now be described more fully with reference to the accompanying drawings. However, the example embodiments can be implemented in various forms, and should not be construed as being limited to the examples set forth herein; on the contrary, the provision of these embodiments makes the present disclosure more comprehensive and complete, and fully conveys the concept of the example embodiments To those skilled in the art. The described features, structures or characteristics can be combined in one or more embodiments in any suitable way. In the following description, many specific details are provided to give a sufficient understanding of the embodiments of the present disclosure. However, those skilled in the art will realize that the technical solutions of the present disclosure can be practiced without one or more of the specific details, or other methods, components, devices, steps, etc. can be used. In other cases, the known technical solution...

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Abstract

The invention relates to an insurance business risk scoring system and a construction method thereof. The construction method comprises the steps of S10, taking whether an event occurs as a dependent variable of a to-be-constructed insurance business risk evaluation system; S20, acquiring a plurality of independent variables related to the dependent variable through a data mining method; S30, generating the insurance business risk scoring system by use of a first part of the independent variables and the dependent variables stored in a database through a Logistic regression method; and S40, verifying the insurance business risk scoring system by use of a second part of the independent variables and the dependent variables stored in the database. According to the insurance business risk scoring system and the construction method thereof, the construction of the insurance business scoring system can be completed by use of a big data technology, thus a risk can be quantitatively scored.

Description

Technical field [0001] The present disclosure relates to the field of big data technology, and specifically to a method for constructing an insurance business risk scoring system and an insurance business risk scoring system. Background technique [0002] With the continuous development of social economy, people are becoming more aware of the importance of insurance. Insurance refers to the act of the insurant paying insurance premiums to the insurer in accordance with the contract, and the insurer shall bear the compensation insurance money for losses caused by the possible risks stipulated in the contract. Therefore, the insurer's risk assessment of insurance business is extremely important. [0003] The review and risk control of insurance business such as underwriting and claiming in the prior art usually use past experience and set the combined judgment standards and rules including the dimensions of region, population, customer age, insurance amount, insurance premium, etc.,...

Claims

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Application Information

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IPC IPC(8): G06Q40/08
CPCG06Q40/08
Inventor 吕晓星周雄志陈京京孙珏雷少梅
Owner TAIKANG LIFE INSURANCE CO LTD
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