Vehicle insurance loss ratio pricing method, system and device and storage medium

A loss ratio, vehicle technology, applied in equipment and storage media, vehicle insurance loss ratio pricing method, system field

Pending Publication Date: 2022-05-13
武汉云上融媒科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] In view of this, the present invention proposes a vehicle insurance compensation rate pricing method, which is used to solve the problem that a reasonable vehicle insurance pricing system cannot be established in combination with vehicle owners and vehicle factors

Method used

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  • Vehicle insurance loss ratio pricing method, system and device and storage medium
  • Vehicle insurance loss ratio pricing method, system and device and storage medium
  • Vehicle insurance loss ratio pricing method, system and device and storage medium

Examples

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Embodiment

[0054] The work flow of the insurance compensation rate pricing method for a vehicle of the present invention is shown in figure 1 , the processing steps are as follows:

[0055] The first step, S1, is to obtain the VIN code and violation data of the vehicle to be insured. The VIN code contains information on the manufacturer, production year, model, body type, engine and other equipment of the vehicle. The violation data includes: , violations, number, level and intensity of traffic accidents. Go to the second step.

[0056] It should be understood that, on the basis of the above-mentioned scheme, the market price and sales price of the vehicle are also included in the VIN code; Van models, CDV models, MPV models, SUVs and other models; the body forms include load-bearing body and non-load-bearing body; the other equipment includes exhaust pipes, bumpers, etc.

[0057] The second step is to store the VIN code of the vehicle and its violation data in the vehicle information...

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PUM

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Abstract

The invention provides a vehicle insurance claim rate pricing method, system and device and a storage medium, and the method comprises the steps: obtaining and fusing a VIN code and violation data of a to-be-insured vehicle, obtaining corresponding claim rate data and claim case data from international and domestic insurance market data and same industry insurance company data, carrying out the normalization processing, and determining the claim rate of the to-be-insured vehicle; the method comprises the following steps: obtaining corresponding feature data, screening loss ratio data of which the model prediction value is higher than a preset threshold value, forming a loss ratio data set, constructing a loss ratio prediction model by using an Adaboost algorithm fused with logistic regression, taking loss case data as a sample, and training the prediction model in combination with the loss ratio data set. And predicting the to-be-insured vehicle through the prediction model to obtain an insurance claim rate pricing category of the VIN code of the to-be-insured vehicle and the violation data. According to the method, a reasonable vehicle insurance pricing system is established in combination with vehicle owner and vehicle factors, more risk factors are identified based on generalized linear model risk modeling, and high-quality customers and low-quality customers are distinguished.

Description

technical field [0001] The present invention relates to the technical field of risk prediction, in particular to a method, system, device and storage medium for pricing insurance loss ratios of vehicles. Background technique [0002] In the "Opinions of the China Insurance Regulatory Commission on Deepening the Reform of the Management System of Commercial Auto Insurance Clauses and Rates" issued in 2015, it is clearly proposed to encourage and guide property insurance companies to provide insurance consumers with diversified, personalized, and differentiated commercial auto insurance protection and services. At present, there are three main problems in the pricing of traditional auto insurance: 1) The insurance rate structure is unreasonable and unfair: low-risk customers have high rates, and the insurance premium does not match their risk status; there is no essential difference between luxury car insurance and ordinary vehicles. There is no essential difference in the pro...

Claims

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Application Information

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IPC IPC(8): G06Q40/08G06Q30/02G06K9/62
CPCG06Q40/08G06Q30/0206G06Q30/0201G06Q30/0202G06F18/241
Inventor 杜登斌杜小军杜乐
Owner 武汉云上融媒科技有限公司
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