Insurance object risk assessment method and system

Abstract

The invention relates to an insurance object risk assessment method and system. The method comprises the steps of establishing an assessment table according to a table establishment instruction inputby a user; after the user performs check on assessment items according to the assessment table, according to a check record instruction input by the user, recording a check result in the assessment table; and according to the check result of the assessment table, generating an assessment report. The system comprises a table establishment module used for establishing the assessment table accordingto the table establishment instruction input by the user, a check module used for recording the check result in the assessment table according to the check record instruction input by the user after the user performs the check on the assessment items according to the assessment table, and a report generation module used for generating the assessment report according to the check result of the assessment table. The assessment items are clearly determined by establishing the assessment table, so that information can be ensured to be collected perfectly; and the check result is recorded after field elimination is performed according to the assessment table, and the assessment report is generated according to the check result, so that the accuracy of a risk assessment result is improved.

Description

technical field [0001] The invention relates to the field of risk assessment, in particular to a risk assessment method and system for insurance targets. Background technique [0002] In the prior art, when it is necessary to carry out risk assessment on a certain insurance target, the appraiser usually sets up checkpoints based on experience for on-site inspection, and records the inspection status of each checkpoint on paper after measuring with measuring tools; the on-site inspection ends Finally, the appraiser also needs to write an appraisal report based on personal professional ability. The above-mentioned method has problems such as low efficiency and imperfect information collection, and the writing of the appraisal report relies too much on the professional skills of the appraiser, resulting in the inaccuracy of the appraisal results in some cases, causing the policyholder and the insurer to bear unknown risks. Contents of the invention [0003] In order to overc...

AI Technical Summary

Problems solved by technology

The above-mentioned method has problems such as low efficiency and imperfect information collection, and the writing of the appraisal report is too dependent on the professional skills of the appraiser, resulting in the inaccuracy of the appraisal results in some cases, causing the policyholder and the insurer to bear unknown risks

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