车险中介机构的遴选研究
发布时间：2018-10-31 10:47
【摘要】：改革开放以来的中国经济飞速发展，人民的生活发生了翻天覆地的变化，财富的积累也达到了前所未有的水平，家庭拥有汽车已不是梦想，作为首都北京，拥有各类机动车500万辆。在过去的十余年间是机动车高速发展的时期，同时也是车辆保险中介机构飞速发展的时期，中介机构代理的保费收入占到整个北京车险市场的80%以上。由于中介机构的员工素质、公司规模、车险业务来源、兼业代理从事的主业等多个方面原因导致各家中介机构承保的业务质量存在较大差异。同时，在竞争日益激烈的保险市场中，保险公司如何能解决“两高一低”（高保费、高赔付、低效益）的窘境，除了在细化客户的选择方面需要做大量工作，更要着眼于中介机构的筛选及管理。 本文将中介机构的数据指标分为承保类和理赔类两大类指标，并建立了中介机构数据指标体系。应用数据挖掘理论、决策树技术及C5.0算法，在中介机构数据指标体系上建立决策树模型，，对中介机构的数据指标进行分析，挖掘出中介业务的特征，为建立长期稳定的合作提供科学的数据基础。依据分析结果对中介机构的合作方式进行调整，从而达到提升公司对中介业务管理水平的目的，为公司建立可持续的高效发展打下坚实基础。
[Abstract]:With the rapid development of China's economy since the reform and opening up, people's lives have undergone earth-shaking changes, and the accumulation of wealth has reached an unprecedented level. It is no longer a dream for families to own cars. As the capital, Beijing, It has 5 million motor vehicles of all kinds. In the past ten years, it is the period of rapid development of motor vehicles and the period of rapid development of vehicle insurance agency. The premium income of intermediary agency accounts for more than 80% of the whole auto insurance market in Beijing. Because of the quality of the staff, the size of the company, the origin of the auto insurance business and the main business of the part-time agent, there are great differences in the quality of the business insured by the agencies. At the same time, in the increasingly competitive insurance market, how can insurance companies solve the dilemma of "two high and one low" (high premium, high compensation, low benefit), apart from doing a lot of work in refining the choice of customers, More attention should be focused on the selection and management of intermediary organizations. In this paper, the data index of intermediary institution is divided into two categories: underwriting type and claim category, and the data index system of intermediary institution is established. Using data mining theory, decision tree technology and C5.0 algorithm, the decision tree model is established on the data index system of intermediary organization, and the data index of intermediary organization is analyzed, and the characteristics of intermediary business are excavated. To establish a long-term and stable cooperation to provide a scientific data base. According to the results of the analysis, the cooperation mode of the intermediary organization is adjusted, so as to improve the management level of the intermediary business, and lay a solid foundation for the establishment of sustainable and efficient development of the company.
【学位授予单位】：北京工业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.634
本文编号：2301891
[Abstract]:With the rapid development of China's economy since the reform and opening up, people's lives have undergone earth-shaking changes, and the accumulation of wealth has reached an unprecedented level. It is no longer a dream for families to own cars. As the capital, Beijing, It has 5 million motor vehicles of all kinds. In the past ten years, it is the period of rapid development of motor vehicles and the period of rapid development of vehicle insurance agency. The premium income of intermediary agency accounts for more than 80% of the whole auto insurance market in Beijing. Because of the quality of the staff, the size of the company, the origin of the auto insurance business and the main business of the part-time agent, there are great differences in the quality of the business insured by the agencies. At the same time, in the increasingly competitive insurance market, how can insurance companies solve the dilemma of "two high and one low" (high premium, high compensation, low benefit), apart from doing a lot of work in refining the choice of customers, More attention should be focused on the selection and management of intermediary organizations. In this paper, the data index of intermediary institution is divided into two categories: underwriting type and claim category, and the data index system of intermediary institution is established. Using data mining theory, decision tree technology and C5.0 algorithm, the decision tree model is established on the data index system of intermediary organization, and the data index of intermediary organization is analyzed, and the characteristics of intermediary business are excavated. To establish a long-term and stable cooperation to provide a scientific data base. According to the results of the analysis, the cooperation mode of the intermediary organization is adjusted, so as to improve the management level of the intermediary business, and lay a solid foundation for the establishment of sustainable and efficient development of the company.
【学位授予单位】：北京工业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.634
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