基于数据挖掘技术的汽车保险理赔风险控制研究

发布时间：2018-05-13 05:44

本文选题：保险理赔 + 风险控制　；参考：《吉林大学》2014年硕士论文

【摘要】：我国汽车保有量近年来不断攀升，作为重要的交通运输工具的汽车发生翻车、碰撞、刮擦等交通事故也不断增加，因而保险与理赔业务也随之增加。一方面带动了我国汽车保险行业的发展，但同时随着保险业务的发展也出现了保险风险在增加的趋势，如何让保险公司规避风险保证利润，是保险行业不断研究的问题，对于保险企业而言，控制好保险理赔中的风险因素变得必要而且迫切。随着现代计算机技术的迅猛发展，已经来到了大数据时代，数据挖掘技术为分析大数据提供了一个参考，它是从巨大的、有缺失的、不规律的、不确定的、数据库中找出藏匿在数据里可以被利用的信息和关联的过程，，也是一种决策支持过程。本论文将研究数据挖掘技术在汽车保险理赔风险控制中的应用。通过对汽车保险理赔案例数据，运用数据挖掘技术分析其中风险。具体研究内容如下：第一章主要介绍了我国汽车保险行业的发展现状和存在的问题，并对存在的问题作了简单的分析；介绍了国内外关于汽车保险理赔定价、风险控制、骗赔等方面的研究现状。第二章阐述了数据挖掘技术的基本理论和方法，数据仓库的定义及其体系结构和设计构造的步骤,并对数据挖掘工具和挖掘种类进行了阐述。第三章主要通过对汽车保险理赔流程的分析来对车险公司做总体需求分析，提出了保险费率，保险风险和营业绩效三条具体的需求。第四章结合工作实际对山东中华某公司汽车保险业务的理赔数据进行清洗分类，在相关划分和分析基础上，对数据挖掘体系进行总体设计。第五章通过挖掘得出保险产品定价、保险理赔风险控制和保险理赔中骗赔客户的特征，并对结果进行验证。最后总结全文并对数据挖掘技术在保险理赔行业的发展前景做出展望。
[Abstract]:The number of cars in our country has been increasing in recent years. As an important means of transportation, the number of accidents such as overturning, collision, scraping and so on has been increasing, so the business of insurance and claim has also increased. On the one hand, it drives the development of automobile insurance industry in our country, but at the same time, with the development of insurance business, there is also an increasing trend of insurance risks. How to let insurance companies avoid risks and ensure profits is a problem that the insurance industry has been constantly studying. For insurance enterprises, it is necessary and urgent to control the risk factors in insurance claims. With the rapid development of modern computer technology, has come to the era of big data, data mining technology provides a reference for the analysis of big data, it is from the huge, missing, irregular, uncertain, It is also a decision support process to find the information and association hidden in the database. This paper will study the application of data mining technology in risk control of auto insurance claims. Through the case data of auto insurance claims, data mining technology is used to analyze the risk. The specific contents of the study are as follows: The first chapter mainly introduces the current situation and existing problems of automobile insurance industry in China, and makes a simple analysis of the existing problems, and introduces the domestic and foreign research status of auto insurance claim pricing, risk control, fraud and so on. In the second chapter, the basic theory and method of data mining technology, the definition of data warehouse, its architecture and the steps of designing and constructing are described, and the data mining tools and kinds of mining are described. The third chapter analyzes the overall demand of auto insurance companies by analyzing the process of auto insurance claims, and puts forward three specific requirements: insurance rate, insurance risk and business performance. In the fourth chapter, the data of auto insurance business in Shandong Zhonghua Company are cleaned and classified, and the data mining system is designed on the basis of relevant division and analysis. In the fifth chapter, the characteristics of insurance product pricing, insurance claim risk control and insurance claim fraud are obtained, and the results are verified. Finally, the paper summarizes the development prospect of data mining technology in insurance claims industry.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F840.63;TP311.13

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