利用大数据提升AC寿险公司核保能力的研究

发布时间：2018-11-13 08:22

【摘要】：近年来,大数据技术的蓬勃发展为中国经济的繁荣、社会的进步及企业的改革等方面带来了巨大的推动力,尤其对于拥有大量客户信息数据的保险业来说,大数据技术带来的创新与改革更加显见。通过运用大数据技术可以对保险公司风险控制、评估定价、精准营销、客户管理等多个运营环节起到提质增效的优化作用,能有效改造及升级传统保险价值链,是推动保险业及保险公司突破发展、提升核心竞争力的重要抓手。而在保险价值链中,核保处于非常重要的地位,是保险公司风险管理的第一道也是最重要的风险防线。但目前寿险公司核保方面普遍存在校验规则不精细、获取核保资料成本高及过于依赖核保人员主观判断等情况,导致核保效率难以提升、体检成本居高不下等问题长期存在,究其原因是保险公司对已掌握的客户、保单数据进行深入分析及提取风险要素的能力不足。而运用大数据的技术特点和分析方法能有效弥补缺陷、发现潜在风险、提升核保效率,对改善公司风险管理能力会起到极大的促进作用。本文首先运用大数据技术在AC寿险公司核保模块建立了寿险及重疾险的预测模型,通过对保单进行风险评分的方式辅助核保人员发现客户潜在风险、提高体检阳性率,然后根据模型运算结果的分析验证核保规则的有效性,以期达到提升核保风险管理能力、降低成本的目的。最后,笔者基于本文的研究提出了深入完善预测模型、建立运营大数据仓库、补充新的核保风险因子等相关发展建议,并期望能将大数据技术应用到公司各个运营环节,以全面提升公司核心竞争力。
[Abstract]:In recent years, the vigorous development of big data technology has brought great impetus to China's economic prosperity, social progress and enterprise reform, especially for the insurance industry, which has a large amount of customer information data. The innovation and reform brought by big data's technology is more obvious. Through the use of big data technology, insurance company risk control, evaluation pricing, accurate marketing, customer management and other operational links can play a role in improving quality and efficiency, and can effectively transform and upgrade the traditional insurance value chain. Is to promote insurance and insurance companies breakthrough development, enhance the core competitiveness of the important grasp. In the insurance value chain, nuclear insurance is in a very important position, is the first and most important risk line of risk management of insurance companies. However, at present, there are some problems in life insurance companies, such as low verification rules, high cost of obtaining insurance information and too much reliance on subjective judgment of insurance personnel, which lead to the difficulty of improving the efficiency of insurance and the high cost of physical examination for a long time. The reason is that the insurance company has insufficient ability to analyze the policy data and extract the risk factors. The application of big data's technical characteristics and analytical methods can effectively make up for the defects, discover potential risks, improve the efficiency of nuclear insurance, and play a great role in improving the risk management ability of the company. In this paper, first of all, using big data technology in the AC life insurance company insurance module to establish a life insurance and heavy health insurance prediction model, through the risk rating of the insurance policy to assist the insurer to discover the potential risks of customers, improve the positive rate of physical examination. Then the validity of the insurance rules is verified according to the results of the model operation, in order to improve the risk management ability and reduce the cost. Finally, based on the research of this paper, the author puts forward some suggestions on how to improve the prediction model, establish and operate big data warehouse, supplement the new risk factors of nuclear insurance, and hope to apply big data technology to all aspects of the company's operation. In order to enhance the core competitiveness of the company.
【学位授予单位】：对外经济贸易大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.3

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