CN106845805A - Ensure index generation method and device - Google Patents

Ensure index generation method and device Download PDF

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CN106845805A
CN106845805A CN201710002357.7A CN201710002357A CN106845805A CN 106845805 A CN106845805 A CN 106845805A CN 201710002357 A CN201710002357 A CN 201710002357A CN 106845805 A CN106845805 A CN 106845805A
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subindex
coefficient
significance level
weight
information
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刘硕果
陶原
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Taikang Insurance Group Co Ltd
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Taikang Insurance Group Co Ltd
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Abstract

The embodiment of the present invention provides a kind of guarantee index generation method and device.The present invention ensures index generation method, including：The personal information for investigating object is obtained, the personal information includes that age information, gender information, marital status information, annual income information, professional risk class information, guarantee amount of dieing information, weight disease ensure amount information and Elder Security amount information；The corresponding weight of subindex, the corresponding weight of weight disease subindex weight corresponding with endowment subindex of dieing are determined according to age information, gender information, marital status information, annual income information, professional risk class information respectively；Ensure that amount information, the corresponding weight of subindex of dieing, weight disease ensure that the weight generation corresponding with endowment subindex of amount information, the corresponding weight of weight disease subindex, Elder Security amount information ensures index according to dieing.The embodiment of the present invention is realized, by generating guarantee index, more comprehensively, objectively reflecting investigation to probable safeguard level.

Description

Ensure index generation method and device
Technical field
The present embodiments relate to the information processing technology, more particularly to a kind of guarantee index generation method and device.
Background technology
Cities and towns system of social security is progressively set up and perfect, and Construction of Rural Social Security System is also pushed away forward successfully Enter.Increasing urban and rural residents have enjoyed the material benefit that comprehensive, perfect system of social security is brought.At the same time business is protected Danger has also obtained significant progress, unique effect of the business insurance in terms of promoting national economic development and servicing society, Feature.The personal lifestyle of good stabilization be unable to do without the guarantee in all directions that insurance is provided.
Whether most people all obtains social security to it is attached great importance to, the attention degree for being ensured for business by contrast It is then much lower.In fact social security focus on ensure, its scope of insurance coverage is radiated a people from cradle to grave each In the individual stage, all standing to various people is realized substantially.But its payment standards are to ensure insurant's basic living Premised on, this is far from being enough for pursuing the crowd of high-quality life.At this moment being accomplished by purchase business insurance is carried out Necessary supplement.It may be said that on the broad road towards happy life, business insurance can be carried for our jump of struggling For a solid support.
However, the species of business insurance is various, and it is highly professional, it is neither easy to manage immediately for layman Solution declaration form content, does not know that oneself should also buy the declaration form of those species, while it is how many cannot also at once to determine that this is bought yet It is insured amount.Common solution is that based on empirical method, in combination with the actual conditions of insurer itself, final decision has The characteristics of " subjective, objective interpretation power is weaker ".How to improve objective interpretation power is the major issue that we face.
The content of the invention
The embodiment of the present invention provides a kind of guarantee index generation method and device, so that realize by generating guarantee index, More comprehensively, objectively reflect investigation to probable safeguard level, for investigate the Object Selection kind of insurance provide science according to According to.
In a first aspect, the embodiment of the present invention provides a kind of guarantee index generation method, including：
The personal information for investigating object is obtained, the personal information includes age information, gender information, marital status letter Breath, annual income information, professional risk class information, guarantee amount of dieing information, weight disease ensure amount information and Elder Security volume Degree information；
According to the age information, the gender information, the marital status information, the annual income information, reported Industry risk class information determines the die corresponding weight of subindex, the corresponding weight of weight disease subindex and endowment subindex pair respectively The weight answered；
Amount letter is ensured according to the guarantee amount information of dieing, the corresponding weight of the subindex of dieing, the heavy disease Breath, the corresponding weight of the heavy disease subindex, the Elder Security amount information and the corresponding weight life of the endowment subindex Into guarantee index；
Wherein, it is described to ensure that index is used to reflect the safeguard level that the investigation object is current.
Second aspect, the embodiment of the present invention provides a kind of guarantee index generating means, including：
Acquisition module, the personal information of object is investigated for obtaining, and the personal information includes that age information, sex are believed Breath, marital status information, annual income information, professional risk class information, guarantee amount of dieing information, weight disease ensure amount information With Elder Security amount information；
Weight determination module, for according to the age information, gender information, the marital status information, described Annual income information, the professional risk class information determine the to die respectively corresponding weight of subindex, weight disease subindex are corresponding Weight weight corresponding with endowment subindex；
Index generation module is ensured, for guarantee amount information, the corresponding power of the subindex of dieing of being die according to Weight, the heavy disease ensure amount information, the corresponding weight of the heavy disease subindex, the Elder Security amount information and described support The corresponding weight generation of my index ensures index；
Wherein, it is described to ensure that index is used to reflect the safeguard level that the investigation object is current.
The embodiment of the present invention ensures index generation method and device, and the personal information of object, described are investigated by obtaining People's information includes age information, gender information, marital status information, annual income information, professional risk class information, guarantee of dieing Amount information, weight disease ensure amount information and Elder Security amount information, according to the age information, the gender information, institute State marital status information, the annual income information, the professional risk class information and determine the corresponding power of subindex of dieing respectively Weight, the corresponding weight of weight disease subindex weight corresponding with endowment subindex, according to guarantee amount information, the body of dieing Therefore the corresponding weight of subindex, the heavy disease ensure amount information, the corresponding weight of the heavy disease subindex, the Elder Security Amount information and the corresponding weight generation of the endowment subindex ensure index, wherein, the guarantee index is used to reflect described The current safeguard level of object is investigated, so as to realize, by generating guarantee index, more comprehensively, objectively reflecting investigation object Real safeguard level, scientific basis is provided to investigate the Object Selection kind of insurance.
Brief description of the drawings
In order to illustrate more clearly about the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing The accompanying drawing to be used needed for having technology description is briefly described, it should be apparent that, drawings in the following description are this hairs Some bright embodiments, for those of ordinary skill in the art, without having to pay creative labor, can be with Other accompanying drawings are obtained according to these accompanying drawings.
Fig. 1 is the flow chart that the present invention ensures index generation method embodiment one；
Fig. 2 is the structural representation that the present invention ensures index generating means embodiment one.
Specific embodiment
To make the purpose, technical scheme and advantage of the embodiment of the present invention clearer, below in conjunction with the embodiment of the present invention In accompanying drawing, the technical scheme in the embodiment of the present invention is clearly and completely described, it is clear that described embodiment is A part of embodiment of the present invention, rather than whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art The every other embodiment obtained under the premise of creative work is not made, belongs to the scope of protection of the invention.
The guarantee situation of object is investigated to cover comprehensively, the embodiment of the present invention will represent the overall guarantee feelings for investigating object The guarantee index of condition is divided into three parts to embody respectively, is respectively：
(1) die subindex, representative is die guarantee situation.This core is exactly to investigate object future may occur Accident and death preparation.What this subindex was considered is the not blessing for investigating the most serious that object may occur Part, it will cause very great influence to the family for investigating object.
(2) weight disease subindex, represents and focuses on disease guarantee situation.This core is exactly to investigate object for following possibility The preparation of the major disease of generation.The often expensive medical expense come with major disease, and this may make Patient and it go bankrupt or broke, be heavily in debt, savings for many years comes to naught, or even final because without enough payment for medical care And have to abandon life.
(3) endowment subindex, represents Elder Security situation.This core is exactly to investigate whether object is old life Work has prepared reliable guarantee.Because people constantly pays after retirement without normal income, but still needs.If not yet There are the living expenses after preparing enough retirements, then just hurried back and forth there is still a need for being worked hard to live after retirement, retirement lives Quality can also have a greatly reduced quality.
Such dividing mode has following feature：
Can be than more comprehensively embodying social security for the personal influence for ensureing：Medical insurance can be given in weight disease subindex To embody, endowment insurance can be embodied in subindex of supporting parents.
It is capable of the business insurance of unduplicated covering almost all species：The purchase of personal and group has been investigated in subindex of dieing The various life insurances bought and accident insurance etc.；The serious illness insurance of personal and group purchase has been investigated in weight disease subindex；In endowment subindex Various annuity products and annuity product of the purchase of personal and group etc. are investigated.
Every itself responsibility with family that object is undertaken can be investigated than more comprehensively weighing：Subindex of dieing is weighed Investigate the responsibility of the most protection family of object；Weight disease subindex has weighed the most protection itself of investigation object and family exerts The responsibility of power achievement；Endowment subindex has been weighed and has investigated the most responsibility provided for a rainy day to itself future life of object.
So such dividing mode can either relatively comprehensively, objectively reflect investigation to probable safeguard level, The safeguard level (die, weigh disease, endowment) for investigating object on each subitem can also be drawn.
For the investigation object with different characteristics, such as：Age different investigation object, the every responsibility for being undertaken it Between importance be it is different, this that is three sub- indexes should have certain area for the overall influence for ensureing index It is other.Accounting of this phenomenon in the calculating for ensureing index mainly by three subindexs in integrally index is ensured, i.e.,：Three Individual sub- index corresponding weight embodies.The characteristics of weighing factor, has a lot, their sizes for the influence degree of weight Also it is different.
The characteristics of being investigated in the corresponding weight calculation of each subindex mainly has：
Age：Age is one of most important natural quality of people.Various demographic behaviors, such as：Marry, give birth to, obtaining employment, Retirement, death etc., all age with everyone are closely related.So the age has than larger for each subindex respective weights Influence.
Sex：The average age of masculinity and femininity has significantly different, and the probability of disease is also inconsistent, so sex pair Also had a certain impact in each subindex respective weights.
Marital status：The family undertaken needed for different marital status and the responsibility of society have obvious difference, and this is caused The various importance for ensureing the investigation object for different marital status are also incomplete same.So marital status is for each height Index respective weights have a certain impact.
Professional risk grade：The live load of different occupation is different, and the probability of the various occupational injuries of generation is also different, institute It is also different with the potential risk that different occupation is adjoint.Special some high-risk industries its occur accident or fall ill it is general Rate will significantly larger than other occupations.It is also different for the attention degree of various guarantees that this allows for them.So professional Degree of risk has for each subindex respective weights and compares large effect.
Annual income situation：Different annual household incomes stresses also different for the demand of guarantee.Such as take in relatively low Colony can more pay the utmost attention to weight disease guarantee because it is burdensome to suffer from the expense that weight disease causes, its family can be given birth to Work causes tremendous influence.And take in of a relatively high colony and then living guarantee is more paid attention to, because its own is its income Main source, once there is the unexpected influence to family life by maximum.So annual income situation is for each subindex correspondence Weight has and compares large effect.
Three numerical value of subindex have just been obtained investigating the numerical value that object ensures index according to certain weight summation.
Fig. 1 is the flow chart that the present invention ensures index generation method embodiment one, as shown in figure 1, the method for the present embodiment Can include：
Step 101, the personal information for obtaining investigation object, the personal information include age information, gender information, marriage Condition information, annual income information, professional risk class information, guarantee amount of dieing information, weight disease ensure amount information and endowment Ensure amount information.
Wherein, age information can be the specific age, such as 28 years old, or one specific the range of age, such as 28- 30 years old.Annual income information can be specific numeral, or a specific number range.Guarantee amount of dieing information, Weight disease ensures that amount information and Elder Security amount information refer to that the current existing social insurance of the investigation object and business are protected respectively Meet the protection amount that three subindexs (subindex of dieing, weight disease subindex and endowment subindex) ensure types entail in danger.
Step 102, according to the age information, the gender information, the marital status information, the annual income letter Breath, the professional risk class information determine to die respectively and the corresponding weight of subindex, the corresponding weight of weight disease subindex and support The corresponding weight of my index.
Specifically, determining the corresponding weight of each subindex according to the personal information for investigating object.
Guarantee amount of being die described in step 103, basis information, the corresponding weight of the subindex of dieing, the heavy disease are protected Barrier amount information, the corresponding weight of the heavy disease subindex, the Elder Security amount information are corresponding with the endowment subindex Weight generation ensure index.
Wherein, the guarantee index is used to reflect the safeguard level that the investigation object is current.
Specifically, the specific embodiment of step 103 can be：
The subindex F that dies is calculated according to formula (1)Die；
Weight disease subindex F is calculated according to formula (2)Weight disease；
Endowment subindex F is calculated according to formula (3)Endowment；
The generation guarantee index is calculated according to formula (4)；
G (X)=aDie×FDie+aWeight disease×FWeight disease+aEndowment×FEndowment (4)
Wherein, G (X) is the guarantee index for investigating object X, aDieTo investigate the corresponding weight of subindex of dieing of object X, aWeight diseaseTo investigate the corresponding weight of heavy disease subindex of object X, aEndowmentTo investigate the corresponding weight of endowment subindex of object X, PDie To investigate die the guarantee amount information, P of object XWeight diseaseFor the heavy disease for investigating object X ensures amount information, PEndowmentTo investigate object X Elder Security amount information, QyTo investigate province average consumption where object X, QzThe province worker where investigating object X is average Wage, S is the per capita savings' volume for investigating province where object X.
Optionally, above-mentioned personal information can also include ground residence information, and methods described can also include：According to described The average work of province worker where province average consumption, the investigation object X where object X is investigated described in the acquisition of information of residence Money, the per capita savings' volume for investigating province where object X.
Specifically, the specific embodiment of step 102 can be：
According to the age information, the gender information, the marital status information, the annual income information, reported Industry risk class information obtains corresponding characteristic coefficient of dieing, weight disease characteristic coefficient and endowment characteristic coefficient respectively；
Significance level coefficient of the age for subindex of dieing, the significance level coefficient for weight disease subindex are obtained respectively With for support parents subindex significance level coefficient, sex for subindex of dieing significance level coefficient, for weight disease refer to Several significance level coefficients and the significance level coefficient for subindex of supporting parents, important journey of the marital status for subindex of dieing Degree coefficient, the significance level coefficient for weight disease subindex and the significance level coefficient for subindex of supporting parents, annual income for The significance level coefficient of subindex of dieing, the significance level coefficient for weight disease subindex and the important journey for subindex of supporting parents Degree coefficient, significance level coefficient of the professional risk grade for subindex of dieing, the significance level coefficient for weight disease subindex With the significance level coefficient for subindex of supporting parents；
According to characteristic coefficient of dieing corresponding with the age information, weight disease characteristic coefficient and endowment characteristic coefficient, with institute The corresponding characteristic coefficient of dieing of gender information, weight disease characteristic coefficient and endowment characteristic coefficient are stated, with the marital status information pair Characteristic coefficient of dieing, weight disease characteristic coefficient and the endowment characteristic coefficient answered, feature system of dieing corresponding with the annual income information Number, weight disease characteristic coefficient and endowment characteristic coefficient, characteristic coefficient of dieing corresponding with the professional risk class information, weight disease are special Coefficient and endowment characteristic coefficient are levied, and, significance level coefficient of the age for subindex of dieing, the weight for weight disease subindex Want degree coefficient and the significance level coefficient for subindex of supporting parents, significance level coefficient, right of the sex for subindex of dieing In the significance level coefficient and the significance level coefficient for subindex of supporting parents of weight disease subindex, marital status refers to for son of dieing Several significance level coefficient, significance level coefficients and the significance level coefficient for endowment subindex for weight disease subindex, Annual income refers to for the significance level coefficient of subindex of dieing, for the significance level coefficient of disease subindex again and for endowment Several significance level coefficients, significance level coefficient of the professional risk grade for subindex of dieing, the weight for weight disease subindex Degree coefficient and the significance level coefficient for subindex of supporting parents are wanted, die described in the determining corresponding weight of subindex, institute is calculated State the weight corresponding weight of disease subindex and the corresponding weight of the endowment subindex.
Further, the corresponding weight a of subindex that die described in determining can be specifically calculated according to formula (5)Die, it is described The corresponding weight a of weight disease subindexWeight diseaseWeight a corresponding with the endowment subindexEndowment。
Wherein, 1 to 3 respectively represent die, weight disease and endowment, 1 to 5 represent respectively the age, sex, marital status, year receive Enter and professional risk grade, p1iIt is characteristic coefficient of dieing corresponding with the age information, weight disease characteristic coefficient and endowment feature Coefficient, p2iIt is characteristic coefficient of dieing corresponding with the gender information, weight disease characteristic coefficient and endowment characteristic coefficient, p3iBe with The corresponding characteristic coefficient of dieing of the marital status information, weight disease characteristic coefficient and endowment characteristic coefficient, p4iWith the annual income The corresponding characteristic coefficient of dieing of information, weight disease characteristic coefficient and endowment characteristic coefficient, p5iWith the professional risk class information pair Characteristic coefficient of dieing, weight disease characteristic coefficient and the endowment characteristic coefficient answered；γ1iThe age of significance level for to(for) subindex of dieing Coefficient, the significance level coefficient for weight disease subindex and the significance level coefficient for subindex of supporting parents, sex is for dieing The significance level coefficient of subindex, the significance level coefficient for weight disease subindex and the significance level system for subindex of supporting parents Several, marital status is for the significance level coefficient of subindex of dieing, for the significance level coefficient of disease subindex again and for supporting The significance level coefficient of my index, significance level coefficient of the annual income for subindex of dieing, the weight for weight disease subindex Degree coefficient and the significance level coefficient for subindex of supporting parents, professional risk grade are wanted for the significance level of subindex of dieing Coefficient, the significance level coefficient for weight disease subindex and the significance level coefficient for subindex of supporting parents, age.
Optionally, methods described can also include：Pre-set age-subindex characteristic coefficient matrix, sex-subindex Characteristic coefficient matrix, marital status-subindex characteristic coefficient matrix, annual income-subindex characteristic coefficient matrix, professional risk etc. Level-subindex characteristic coefficient matrix.
The age of table 1-subindex characteristic coefficient matrix
1-18 0.5 0.45 0.05
19-30 0.6 0.35 0.05
31-40 0.45 0.4 0.15
41-60 0.4 0.35 0.25
61-99 0.05 0.45 0.50
It is unknown 0 0 0
Wherein, table 1 is by the age：By 1-18,19-30,31-40,41-60,61-99 and unknown it is divided into 6 classes.It is right respectively Answer different characteristic coefficients of dieing, weight disease characteristic coefficient and endowment characteristic coefficient.
2 sexes of table-subindex characteristic coefficient matrix
Wherein, table 2 is by sex：By male, women and unknown it is divided into 3 classes.Its correspond to respectively different characteristic coefficients of dieing, Weight disease characteristic coefficient and endowment characteristic coefficient.
3 marital status of table-subindex characteristic coefficient matrix
It is married 0.3 0.5 0.2
It is unmarried 0.3 0.4 0.3
It is unknown 0 0 0
Wherein, table 3 is by marital status：By married, unmarried and unknown be divided into 3 classes.It corresponds to different features of dieing respectively Coefficient, weight disease characteristic coefficient and endowment characteristic coefficient.
4 annual incomes of table-subindex characteristic coefficient matrix
Less than 50000 0.2 0.6 0.2
50000-10 ten thousand 0.3 0.5 0.2
100000-20 ten thousand 0.4 0.4 0.2
200000-50 ten thousand 0.35 0.35 0.3
More than 500000 0.4 0.3 0.3
It is unknown 0 0 0
Wherein, table 4 is by annual income situation：By less than 50,000,50,000-10 ten thousand, 100,000-20 ten thousand, 200,000-50 ten thousand, more than 500,000 It is divided into 6 sections with unknown.It corresponds to different characteristic coefficients of dieing, weight disease characteristic coefficient and endowment characteristic coefficient respectively.
The professional risk grade of table 5-subindex characteristic coefficient matrix
Wherein, table 5 is by professional risk grade：According to professional risk classification, totally 6 grades are (special and declinature calculation from low to high 6), 7 classes to be divided into along with unknown.It corresponds to different characteristic coefficients of dieing, weight disease characteristic coefficient and endowment feature respectively Coefficient.
Accordingly, specifically can be according to the age-subindex characteristic coefficient matrix and the age information determine The corresponding characteristic coefficient of dieing of age information, weight disease characteristic coefficient and endowment characteristic coefficient；According to the sex-subindex feature Coefficient matrix and the gender information determine that the corresponding characteristic coefficient of dieing of the gender information, weight disease characteristic coefficient and endowment are special Levy coefficient；The marital status is determined according to the marital status-subindex characteristic coefficient matrix and the marital status information The corresponding characteristic coefficient of dieing of information, weight disease characteristic coefficient and endowment characteristic coefficient；According to the annual income-subindex feature system Matrix number and the annual income information determine the corresponding characteristic coefficient of dieing of the annual income information, weight disease characteristic coefficient and endowment Characteristic coefficient；Institute is determined according to the professional risk grade-subindex characteristic coefficient matrix and the professional risk class information The corresponding characteristic coefficient of dieing of industry of reporting risk class information, weight disease characteristic coefficient and endowment characteristic coefficient.
Optionally, methods described can also include：Pre-set significance level coefficient matrix.
Wherein, significance level coefficient matrix is drawn relative to the significance level of subindex according to each personal characteristics, specifically such as Shown in table 6：
The significance level coefficient matrix of table 6
Significance level coefficient
0.7 0.9 0.9
0.2 0.1 0.1
0.2 0.5 0.7
0.9 0.3 0.4
0.5 0.7 0.4
Accordingly, important journey of the age for subindex of dieing can respectively be obtained according to the significance level coefficient matrix Degree coefficient, the significance level coefficient for weight disease subindex and the significance level coefficient for subindex of supporting parents, sex is for body Therefore the significance level coefficient of subindex, the significance level coefficient for weight disease subindex and the significance level for subindex of supporting parents Coefficient, marital status for the significance level coefficient of subindex of dieing, the significance level coefficient for weight disease subindex and for The significance level coefficient of subindex of supporting parents, annual income is for the significance level coefficient of subindex of dieing, for weight disease subindex Significance level coefficient and the significance level coefficient for subindex of supporting parents, important journey of the professional risk grade for subindex of dieing Degree coefficient, the significance level coefficient for weight disease subindex and the significance level coefficient for subindex of supporting parents.
Optionally, methods described can also include：Obtain the current existing social insurance of investigation object and business is protected Danger；The current existing social insurance and business insurance are accordingly divided to guarantee amount of dieing, weight disease according to support character In ensureing amount and Elder Security amount, the guarantee amount information of dieing, the heavy disease guarantee amount information and described are obtained Elder Security amount information.
Specifically, the transform mode of medical insurance and endowment insurance is as shown in the table in social insurance：
The social insurance transform mode of table 7
Business insurance product first will meet the guarantor that three subindexs ensure types entail according to the different support character of product Volume is divided in one or more classifications in three subindexs.Corresponding guarantee amount transform mode is as shown in the table：
The business insurance transform mode of table 8
The present embodiment, the personal information of object is investigated by obtaining, and the personal information includes that age information, sex are believed Breath, marital status information, annual income information, professional risk class information, guarantee amount of dieing information, weight disease ensure amount information With Elder Security amount information, according to the age information, the gender information, the marital status information, the annual income Information, the professional risk class information determine to die respectively the corresponding weight of subindex, the corresponding weight of weight disease subindex and The endowment corresponding weight of subindex, according to the guarantee amount information of dieing, the corresponding weight of the subindex of dieing, described heavy Disease ensures amount information, the corresponding weight of the heavy disease subindex, the Elder Security amount information and the endowment subindex Corresponding weight generation ensures index, wherein, it is described to ensure that index is used to reflect the safeguard level that the investigation object is current, from And realize being calculated by ensureing index, more comprehensively, objectively reflect investigation to probable safeguard level, to investigate object The selection kind of insurance provides scientific basis.
The guarantee index of the embodiment of the present invention and the span of three sub- index scores are：[0,100).
0 point represents and investigates object the event specified that may occur is not insured now, and without can cover Cover the social security of the specified event.If future there occurs the event specified, investigating object cannot obtain any extra compensation.
100 points represent investigate object now to may occur the events specified insured or possessed covering this refer to Determine the social security of event, if future there occurs specified event, investigating object can obtain extra compensation, and the volume for compensating Degree can make the quality of the life of its Ge Renhuoqi family compared with before the event specified without any change.
The event specified refers to the event paid specified in insurance contract or social security regulation, such as：Die, suffer from weight Disease, or can start to get annuity etc. after reaching a dating, referring in particular to relevant regulations when subindex is specifically defined below.
In fact, the situation that index score takes 100 should not occur in real life, so the value model of index score Enclose and should be [0,100).And the scoring values of index are bigger, required guarantee amount is higher, corresponding safeguard level It is higher.And with the rising of amount is ensured, the speed that subindex score rises is also progressively slack-off.This explanation is with safeguard level Raise, the difficulty that safeguard level is continued to lift up will become big, lifting score when index score is relatively low is easier to, and score is high When lifting score it is more difficult.
In general, the corresponding weight of subindex represents important journey of the subindex in index overall calculation is ensured Degree.In specific calculating, the value of the corresponding weight of subindex depends on investigating the personal characteristics of object, including：Age, property Not, marital status, annual income situation and professional risk grade.Given personal characteristics is referred to as individual to the influence degree of each subindex The weight of each subindex of people's characteristic correspondence.
For the subindex for giving, the significance level of different personal characteristicses is also different.Got over for subindex significance level Personal characteristics high, the ratio that its influence degree to subindex is converted into the corresponding weighted value of subindex is bigger.
Such as following table, index is divided into three parts by the embodiment of the present invention from small to large according to the numerical value of score：Unqualified, conjunction It is lattice, outstanding.
The index score standard of table 9
Index score ranges Correspondence level
Index score ∈ is [0,60) It is unqualified
Index score ∈ is [60,85) It is qualified
Index score ∈ is [85,100) It is outstanding
Wherein several important critical points are：0 point, 60 points and 85 points.Because three subindexs consider when calculating The influence for investigating the object inhabitation province level of economic development is arrived, so the guarantee amount corresponding to these three critical scores also should When being one relevant with the object inhabitation province level of economic development is investigated, and the number with comparativity between each province Value.
Three subindexs meet this requirement in score：Subindex obtains 0 point and if only if the guarantee of the subindex Amount is that the same type index of 0 point, 60 points and 85 Fen Yeyou each province is corresponded to therewith.In order to express conveniently, we claim 0 point, 60 points Relatively unqualified lower limit, relatively qualified lower limit and relatively outstanding lower limit are followed successively by with 85 points.Corresponding guarantee amount claims For：Absolute unqualified lower limit, definitely qualified lower limit and definitely outstanding lower limit.Shown in table specific as follows：
Wherein, used in upper table each province average per capita consumption, staff average salary, per capita savings derive from 《China Statistical Yearbook》.
Guarantee index subindex of dieing, weight disease subindex and endowment subindex are given in above-described embodiment represents shape Formula, is given below the general type that the present invention ensures exponential model.
General guarantee exponential model is divided into importation and calculating section.
Importation is exactly the information for ensure index calculating for investigating object.It is X=(x that note investigates object1, x2,…xk).Wherein x1,x2,…xkBe description investigate object X by k different dimensions of quantification
Calculating section is made up of the two parts subindex and weight.They all will be in the form of investigating object X function It is existing.Assuming that there is n subindex, be designated as this n subindex by we：
Fi(X) i=1,2 ..., n
Corresponding weight should also be as n, be designated as：
ai(X) i=1,2 ..., n
Wherein Fi(X) corresponding weight is ai(X), and：
So, guarantee index is exactly the numerical value of each subindex according to the value after the weighted average of its respective weights.Protect Barrier index G (X) has following general type：
Wherein, the calculation of weight is specially：Influence the factor of each subindex respective weights to be mainly and investigate object Personal characteristics, such as age, sex, marital status, occupation etc..Each feature is relevant with object X is investigated, therefore can be by them Regard the function on investigating object X as.Assuming that weighing factor function ai(X) personal characteristics's variable of value has m, them It is denoted as P1(X),P2(X),…,Pm(X), simultaneously for each Pj(X), j=1,2 ..., m have：
Pj(X)=(pj1(X),pj2(X),…pjn(X))
I.e.：As the P of XjWhen known to quality event, if weight ai(X) value of, i=1,2 ..., n is solely dependent upon personal spy Levy Pj(X), then ai(X)=pji(X), i=1,2 ..., n；As the P of XjWhen quality event is unknown, pji(X)=0, i=1, 2 ..., n, the characteristic do not influence on weight.So pji(X) just represent when references object X has personal characteristics Pj(X) when, Subindex Fi(X) importance in index calculating is ensured.
Matrix { the γ of given m × nji}m×n, wherein, γjiRepresent personal characteristics PjFor index FiSignificance level coefficient, And γji＞ 0.All γjiValue should refer to same standard.
Definition and subindex Fi(X) corresponding subindex important coefficient Ai(X), i=1,2 ..., n meet：
So Ai(X) it is subindex Fi(X) the weight in index calculating is ensured for all being obtained by different personal characteristicses The property wanted pji(X), the significance level γ according to corresponding personal characteristics for the subindexjiThe numerical value of weighted sum.So weight ai(X) it is exactly by Ai(X) result after standardizing, i.e.,：
The general type of subindex is specially：
During the computational methods of design subindex, relatively unqualified lower limit, relatively qualified lower limit and relatively outstanding They are in order to express easily set to F by important reference point during lower limitIt is unqualified、FIt is qualified、FIt is outstanding.And have：0≤FIt is unqualified＜ FIt is qualified＜ FIt is outstanding＜ 100.Corresponding definitely unqualified lower limit, definitely qualified lower limit and definitely outstanding lower limit are respectively QIt is unqualified、QIt is qualified、 QIt is outstanding, and have 0≤QIt is unqualified＜ QIt is qualified＜ QIt is outstanding.The guarantee amount for investigating object is represented with P.For convenience, hereinafter take：
FIt is unqualified=Fx, FIt is qualified=Fy, FIt is outstanding=Fz；
QIt is unqualified=Qx, QIt is qualified=Qy, QIt is outstanding=Qz；
The function F (P) on ensureing amount P is defined, is had：
If function F (P) meeting the characteristics of illustrate in Part II, then it is exactly a subindex letter for general type Number.In fact this needs following four condition and sets up simultaneously：
(1)F(Qi)=Fi, i=x, y, z；
(2) 0≤F (P) ＜ 100, (P >=0)；
(3) F ' (P) ＞ 0, (P >=0)；
(4) F " (P) ＜ 0, (P >=0).
Wherein (1) sets up the subindex score for representing absolutely not criterion of acceptability, absolute criterion of acceptability and absolute outstanding standard Respectively relatively unqualified standard, relative criterion of acceptability and relatively outstanding standard；(2) set up and represent before subindex score satisfaction The scope (3) of setting is set up and represents that the score of subindex is improved with the raising for ensureing amount；(4) set up and represent that subindex is obtained The growth rate divided declines with the raising for ensureing amount.
It is easily verified that condition (1) is to set up.
When P >=0, due to A ＞ 0, B ＞ 0, C >=0, therefore：AP2+BP+C≥0。
So：
So condition (2) is set up.
The expression formula of the first derivative F ' (P) of subindex is：
Due to：A ＞ 0, B ＞ 0, C >=0, therefore when P >=0, must have：F ' (P) ＞ 0.So condition (3) is set up.
" expression formula of (P) is the second dervative F of subindex：
Due to A ＞ 0, B ＞ 0, C >=0 and AC-B2＜ 0, therefore when P >=0, must have：F " (P) ＜ 0.So condition (4) into It is vertical.
In sum, the function F (P) on ensureing amount P for being given in (*) is in the case of the condition in meeting (* *) Make condition (1) to (4) while setting up.Our function F (P) are called the general type of subindex.
Index Mathematical Modeling implementing in embodiments of the present invention is ensured, i.e., subindex includes die subindex, weight As a example by disease subindex and endowment subindex.
Dimension number k=9, the X=(x of object X are investigated in the embodiment of the present invention1,x2,…x9)。
This 9 dimensions are respectively：
Wherein numbering be 1 to 6 dimension can be directly according to references object personal information obtained, 7 to No. 9 dimensions It is actually to possess situation with reference to references object social insurance and business insurance, " the conversion side of amount is ensured according in a upper chapter What the respective rule of formula " this section was obtained after being pre-processed.
Ensure index subindex number n=3, they be respectively die subindex, weight disease subindex and endowment son refer to Number.They are designated as successively：FDie(X), FWeight diseaseAnd F (X)Endowment(X).Respective weights are followed successively by：aDie(X), aWeight diseaseAnd a (X)Endowment(X)。 Ensure that index can be calculated with formula (4).
The personal characteristics number m=5 that the embodiment of the present invention considers, they are：Age (P1(X)), sex (P2(X)), marriage Situation (P3(X)), income situation (P4) and professional risk grade (P (X)5(X)).Personal characteristics's function Pj(X), j=1,2 ..., m It is piecewise function.Dimension in combination with X constitutes situation, Wo Menyou：
Pj(X)=Pj(xj)=(pJ, dies(xj),pJ, weight disease(xj),pJ, endowment(xj)), j=1,2 ..., m
pJ, dies(xj),pJ, weight disease(xj),pJ, endowment(xj), the value of j=1,2 ..., m may refer to table 1 to table 5.
Data in above tables, you can draw the numerical value of each subindex respective weights：
Relative standard's value of three subindexs is in the embodiment of the present invention：
FIt is unqualified=Fx=0, FIt is qualified=Fy=60, FIt is outstanding=Fz=85；
So：
Have simultaneously for three subindexs：QIt is unqualified=Qx=0
At this moment the condition in (* *) can be reduced to：
C=0
Now C >=0 is obviously set up, andTherefore only need to prove：A ＞ 0 and B ＞ 0 .Simultaneously because：QyQz(Qz-Qy) ＞ 0, then only need to prove：αzQy-αyQz＞ 0 and.Like this Valency in：WillArrived after bringing into and ensure that function possesses the due relevant nature of subindex Required condition：
Related request in second chapter, it is known that：
ObviouslySo weight disease subindex can be using F (P) as its calculating function.
The average salary level and average per capita consumption difference in China each province (removing Tibet) 2012 years are as shown in the table (data source is《China Statistical Yearbook --- 2013》, official website of State Statistics Bureau)：
WhereinMaximum be 3.76, minimum value is satisfied by for 2.24So die subindex and Endowment subindex can be using F (P) as its calculating function.
Three arithmetic expressions of subindex are therefore deduced that, formula (1), formula (2) and formula is specifically may refer to (3)。
Fig. 2 is the structural representation that the present invention ensures index generating means embodiment one, as shown in Fig. 2 the present embodiment Device can include：Acquisition module 11, weight determination module 12 and guarantee index generation module 13, wherein, acquisition module 11 is used In the personal information for obtaining investigation object, the personal information includes that age information, gender information, marital status information, year receive Enter information, professional risk class information, guarantee amount of dieing information, weight disease guarantee amount information and Elder Security amount information, Weight determination module 12 is used for according to the age information, the gender information, the marital status information, annual income letter Breath, the professional risk class information determine to die respectively and the corresponding weight of subindex, the corresponding weight of weight disease subindex and support The corresponding weight of my index, ensures index generation module 13, for guarantee amount information, the son of dieing of being die according to The corresponding weight of index, the heavy disease ensure amount information, the corresponding weight of the heavy disease subindex, the Elder Security amount Information and the corresponding weight generation of the endowment subindex ensure index, wherein, the guarantee index is used to reflect the investigation The current safeguard level of object.
Optionally, the guarantee index generation module 13 is used for die according to guarantee amount information, the son of dieing The corresponding weight of index, the heavy disease ensure amount information, the corresponding weight of the heavy disease subindex, the Elder Security amount Information and the corresponding weight generation of the endowment subindex ensure index, can specifically include：
According to formulaCalculate To the subindex F that diesDie；
According to formulaIt is calculated weight disease subindex FWeight disease；
According to formula It is calculated endowment subindex FEndowment；
According to formula G (X)=aDie×FDie+aWeight disease×FWeight disease+aEndowment×FEndowmentCalculate the generation guarantee index；
Wherein, G (X) is the guarantee index for investigating object X, aDieTo investigate the corresponding weight of subindex of dieing of object X, aWeight diseaseTo investigate the corresponding weight of heavy disease subindex of object X, aEndowmentTo investigate the corresponding weight of endowment subindex of object X, PDie To investigate die the guarantee amount information, P of object XWeight diseaseFor the heavy disease for investigating object X ensures amount information, PEndowmentTo investigate object X Elder Security amount information, QyTo investigate province average consumption where object X, QzThe province worker where investigating object X is average Wage, S is the per capita savings' volume for investigating province where object X.
Optionally, the personal information also includes ground residence information, and the acquisition module 11 is additionally operable to：According to the residence Province staff average salary where province average consumption, the investigation object X where object X is investigated described in the acquisition of information of residence, The per capita savings' volume for investigating province where object X.
Optionally, the weight determination module 12 is used for according to the age information, the gender information, the marriage shape Condition information, the annual income information, the professional risk class information determine the die corresponding weight of subindex, weight disease respectively The corresponding weight of index weight corresponding with endowment subindex, can specifically include：Believed according to the age information, the sex Breath, the marital status information, the annual income information, the professional risk class information obtain corresponding dieing respectively Characteristic coefficient, weight disease characteristic coefficient and endowment characteristic coefficient；Respectively obtain the age for subindex of dieing significance level coefficient, Significance level coefficient for weight disease subindex and the significance level coefficient for subindex of supporting parents, sex is for subindex of dieing Significance level coefficient, the significance level coefficient for weight disease subindex and the significance level coefficient for subindex of supporting parents, wedding Relation by marriage situation refers to for the significance level coefficient of subindex of dieing, for the significance level coefficient of disease subindex again and for endowment Several significance level coefficients, significance level coefficient of the annual income for subindex of dieing, the significance level for weight disease subindex Coefficient and for support parents subindex significance level coefficient, professional risk grade for subindex of dieing significance level coefficient, Significance level coefficient for weight disease subindex and the significance level coefficient for subindex of supporting parents；According to the age information Corresponding characteristic coefficient of dieing, weight disease characteristic coefficient and endowment characteristic coefficient, feature system of dieing corresponding with the gender information Number, weight disease characteristic coefficient and endowment characteristic coefficient, characteristic coefficient of dieing corresponding with the marital status information, weight disease feature system Number and endowment characteristic coefficient, characteristic coefficient of dieing corresponding with the annual income information, weight disease characteristic coefficient and endowment feature system Number, characteristic coefficient of dieing corresponding with the professional risk class information, weight disease characteristic coefficient and endowment characteristic coefficient, and, Age is for the significance level coefficient of subindex of dieing, for the significance level coefficient of disease subindex again and for endowment subindex Significance level coefficient, significance level coefficient of the sex for subindex of dieing, the significance level coefficient for weight disease subindex With the significance level coefficient for subindex of supporting parents, marital status is for the significance level coefficient of subindex of dieing, for weight disease The significance level coefficient of subindex and the significance level coefficient for subindex of supporting parents, annual income are important for subindex of dieing Degree coefficient, the significance level coefficient for weight disease subindex and the significance level coefficient for subindex of supporting parents, professional risk Grade is for the significance level coefficient of subindex of dieing, for the significance level coefficient of disease subindex again and for endowment subindex Significance level coefficient, calculate the corresponding weight of subindex of being die described in determining, the corresponding weight of the heavy disease subindex and institute State the corresponding weight of endowment subindex.
Optionally, the weight determination module 12 is used for according to characteristic coefficient of dieing corresponding with the age information, weight Disease characteristic coefficient and endowment characteristic coefficient, characteristic coefficient of dieing corresponding with the gender information, weight disease characteristic coefficient and endowment Characteristic coefficient, characteristic coefficient of dieing corresponding with the marital status information, weight disease characteristic coefficient and endowment characteristic coefficient, with institute The corresponding characteristic coefficient of dieing of annual income information, weight disease characteristic coefficient and endowment characteristic coefficient are stated, with the professional risk grade The corresponding characteristic coefficient of dieing of information, weight disease characteristic coefficient and endowment characteristic coefficient, and, weight of the age for subindex of dieing Want degree coefficient, the significance level coefficient for weight disease subindex and the significance level coefficient for subindex of supporting parents, sex pair Significance level coefficient in subindex of dieing, the significance level coefficient for weight disease subindex and important for endowment subindex Degree coefficient, marital status for the significance level coefficient of subindex of dieing, the significance level coefficient for weight disease subindex and For the significance level coefficient of subindex of supporting parents, annual income refers to for the significance level coefficient of subindex of dieing, for weight disease Several significance level coefficients and the significance level coefficient for subindex of supporting parents, weight of the professional risk grade for subindex of dieing Degree coefficient, the significance level coefficient for weight disease subindex and the significance level coefficient for subindex of supporting parents are wanted, is calculated true Fixed the die corresponding weight of subindex, the heavy corresponding weight of disease subindex and the corresponding power of the endowment subindex Weight, can specifically include：
According to formulaSon of being die described in determining is calculated to refer to The corresponding weight a of numberDie, the corresponding weight a of the heavy disease subindexWeight diseaseWeight a corresponding with the endowment subindexEndowment；
Wherein, 1 to 3 respectively represent die, weight disease and endowment, 1 to 5 represent respectively the age, sex, marital status, year receive Enter and professional risk grade, p1iIt is characteristic coefficient of dieing corresponding with the age information, weight disease characteristic coefficient and endowment feature Coefficient, p2iIt is characteristic coefficient of dieing corresponding with the gender information, weight disease characteristic coefficient and endowment characteristic coefficient, p3iBe with The corresponding characteristic coefficient of dieing of the marital status information, weight disease characteristic coefficient and endowment characteristic coefficient, p4iWith the annual income The corresponding characteristic coefficient of dieing of information, weight disease characteristic coefficient and endowment characteristic coefficient, p5iWith the professional risk class information pair Characteristic coefficient of dieing, weight disease characteristic coefficient and the endowment characteristic coefficient answered；γ1iThe age of significance level for to(for) subindex of dieing Coefficient, the significance level coefficient for weight disease subindex and the significance level coefficient for subindex of supporting parents, sex is for dieing The significance level coefficient of subindex, the significance level coefficient for weight disease subindex and the significance level system for subindex of supporting parents Several, marital status is for the significance level coefficient of subindex of dieing, for the significance level coefficient of disease subindex again and for supporting The significance level coefficient of my index, significance level coefficient of the annual income for subindex of dieing, the weight for weight disease subindex Degree coefficient and the significance level coefficient for subindex of supporting parents, professional risk grade are wanted for the significance level of subindex of dieing Coefficient, the significance level coefficient for weight disease subindex and the significance level coefficient for subindex of supporting parents, age.
Optionally, described device can also include presetting module 14.
The presetting module 14, for pre-setting age-subindex characteristic coefficient matrix, sex-subindex feature system Matrix number, marital status-subindex characteristic coefficient matrix, annual income-subindex characteristic coefficient matrix, professional risk grade-son Index characteristic coefficient matrix.
The weight determination module 12 be used for according to the age information, the gender information, the marital status information, The annual income information, the professional risk class information obtain corresponding characteristic coefficient of dieing, weight disease feature system respectively Number and endowment characteristic coefficient, can specifically include：
The corresponding body of the age information is determined according to the age-subindex characteristic coefficient matrix and the age information Therefore characteristic coefficient, weight disease characteristic coefficient and endowment characteristic coefficient.
The corresponding body of the gender information is determined according to the sex-subindex characteristic coefficient matrix and the gender information Therefore characteristic coefficient, weight disease characteristic coefficient and endowment characteristic coefficient.
The marital status is determined according to the marital status-subindex characteristic coefficient matrix and the marital status information The corresponding characteristic coefficient of dieing of information, weight disease characteristic coefficient and endowment characteristic coefficient.
The annual income information pair is determined according to the annual income-subindex characteristic coefficient matrix and the annual income information Characteristic coefficient of dieing, weight disease characteristic coefficient and the endowment characteristic coefficient answered.
According to the professional risk grade-subindex characteristic coefficient matrix and the professional risk class information determine The corresponding characteristic coefficient of dieing of professional risk class information, weight disease characteristic coefficient and endowment characteristic coefficient.
Optionally, the presetting module 14 is additionally operable to：Pre-set significance level coefficient matrix.
The weight determination module 12 is used to obtain respectively the age for the significance level coefficient of subindex of dieing, for weight The significance level coefficient of disease subindex and the significance level coefficient for subindex of supporting parents, sex are important for subindex of dieing Degree coefficient, the significance level coefficient for weight disease subindex and the significance level coefficient for subindex of supporting parents, marital status Significance level coefficient for subindex of dieing, the significance level coefficient for weight disease subindex and the weight for subindex of supporting parents Want degree coefficient, annual income for the significance level coefficient of subindex of dieing, the significance level coefficient for weight disease subindex and For the significance level coefficient of subindex of supporting parents, professional risk grade is for the significance level coefficient of subindex of dieing, for weight The significance level coefficient of disease subindex and the significance level coefficient for subindex of supporting parents, can specifically include：
According to the significance level coefficient matrix obtain respectively the age for subindex of dieing significance level coefficient, for The significance level coefficient of weight disease subindex and the significance level coefficient for subindex of supporting parents, weight of the sex for subindex of dieing Want degree coefficient, the significance level coefficient for weight disease subindex and the significance level coefficient for subindex of supporting parents, marriage shape Condition is for the significance level coefficient of subindex of dieing, for the significance level coefficient of disease subindex again and for endowment subindex Significance level coefficient, significance level coefficient of the annual income for subindex of dieing, the significance level coefficient for weight disease subindex With for support parents subindex significance level coefficient, professional risk grade for subindex of dieing significance level coefficient, for The significance level coefficient of weight disease subindex and the significance level coefficient for subindex of supporting parents.
Optionally, the acquisition module 11 is additionally operable to：Obtain the current existing social insurance of investigation object and business Insurance；The current existing social insurance and business insurance are accordingly divided to die guarantee amount, weight according to support character Disease ensures in amount and Elder Security amount that guarantee amount of being die described in acquisition information, the heavy disease ensure amount information and institute State Elder Security amount information.
The device of the present embodiment, can be used for performing the technical scheme of embodiment of the method shown in Fig. 1, its realization principle and skill Art effect is similar to, and here is omitted.
One of ordinary skill in the art will appreciate that：Realizing all or part of step of above-mentioned each method embodiment can lead to The related hardware of programmed instruction is crossed to complete.Foregoing program can be stored in a computer read/write memory medium.The journey Sequence upon execution, performs the step of including above-mentioned each method embodiment；And foregoing storage medium includes：ROM, RAM, magnetic disc or Person's CD etc. is various can be with the medium of store program codes.
Finally it should be noted that：Various embodiments above is merely illustrative of the technical solution of the present invention, rather than its limitations；To the greatest extent Pipe has been described in detail with reference to foregoing embodiments to the present invention, it will be understood by those within the art that：Its according to The technical scheme described in foregoing embodiments can so be modified, or which part or all technical characteristic are entered Row equivalent；And these modifications or replacement, the essence of appropriate technical solution is departed from various embodiments of the present invention technology The scope of scheme.

Claims (16)

1. it is a kind of to ensure index generation method, it is characterised in that including：
The personal information for investigating object is obtained, the personal information includes age information, gender information, marital status information, year Income information, professional risk class information, guarantee amount of dieing information, weight disease ensure amount information and Elder Security amount letter Breath；
According to the age information, the gender information, the marital status information, the annual income information, the professional wind Dangerous class information determine the to die respectively corresponding weight of subindex, the corresponding weight of weight disease subindex is corresponding with endowment subindex Weight；
Amount information, institute are ensured according to the guarantee amount information of dieing, the corresponding weight of the subindex of dieing, the heavy disease The corresponding weight of weight disease subindex, the Elder Security amount information and the corresponding weight generation of the endowment subindex is stated to ensure Index；
Wherein, it is described to ensure that index is used to reflect the safeguard level that the investigation object is current.
2. method according to claim 1, it is characterised in that guarantee amount of being die described in basis information, the body Therefore the corresponding weight of subindex, the heavy disease ensure amount information, the corresponding weight of the heavy disease subindex, the Elder Security Amount information and the corresponding weight generation of the endowment subindex ensure index, including：
According to formulaIt is calculated son of dieing Index FDie；
According to formulaIt is calculated weight disease subindex FWeight disease；
According to formulaIt is calculated endowment Index FEndowment；
According to formula G (X)=aDie×FDie+aWeight disease×FWeight disease+aEndowment×FEndowmentCalculate the generation guarantee index；
Wherein, G (X) is the guarantee index for investigating object X, aDieTo investigate the corresponding weight of subindex of dieing of object X, aWeight diseaseFor Investigate the corresponding weight of heavy disease subindex of object X, aEndowmentTo investigate the corresponding weight of endowment subindex of object X, PDieTo examine Examine die the guarantee amount information, P of object XWeight diseaseFor the heavy disease for investigating object X ensures amount information, PEndowmentTo investigate supporting for object X It is old to ensure amount information, QyTo investigate province average consumption where object X, QzTo investigate the average work of province worker where object X Money, S is the per capita savings' volume for investigating province where object X.
3. method according to claim 2, it is characterised in that the personal information also includes ground residence information, described Method also includes：
Province where province average consumption, the investigation object X where object X is investigated according to the residence acquisition of information Staff average salary, per capita savings' volume in province where the investigation object X.
4. method according to claim 1, it is characterised in that described according to the age information, the gender information, institute State marital status information, the annual income information, the professional risk class information and determine the corresponding power of subindex of dieing respectively Weight, the corresponding weight of weight disease subindex weight corresponding with endowment subindex, including：
According to the age information, the gender information, the marital status information, the annual income information, the professional wind Dangerous class information obtains corresponding characteristic coefficient of dieing, weight disease characteristic coefficient and endowment characteristic coefficient respectively；
The age is obtained respectively for the significance level coefficient of subindex of dieing, the significance level coefficient for weight disease subindex and right In the significance level coefficient of endowment subindex, sex is for the significance level coefficient of subindex of dieing, for weight disease subindex Significance level coefficient and the significance level coefficient for subindex of supporting parents, significance level system of the marital status for subindex of dieing Number, the significance level coefficient for weight disease subindex and the significance level coefficient for subindex of supporting parents, annual income is for dieing The significance level coefficient of subindex, the significance level coefficient for weight disease subindex and the significance level system for subindex of supporting parents Number, professional risk grade is for the significance level coefficient of subindex of dieing, the significance level coefficient for weight disease subindex and right In the significance level coefficient of endowment subindex；
According to characteristic coefficient of dieing corresponding with the age information, weight disease characteristic coefficient and endowment characteristic coefficient, with the property The corresponding characteristic coefficient of dieing of other information, weight disease characteristic coefficient and endowment characteristic coefficient, it is corresponding with the marital status information Die characteristic coefficient, weight disease characteristic coefficient and endowment characteristic coefficient, characteristic coefficient of dieing corresponding with the annual income information, weight Disease characteristic coefficient and endowment characteristic coefficient, characteristic coefficient of dieing corresponding with the professional risk class information, weight disease feature system Number and endowment characteristic coefficient, and, significance level coefficient of the age for subindex of dieing, the important journey for weight disease subindex Degree coefficient and the significance level coefficient for subindex of supporting parents, sex is for the significance level coefficient of subindex of dieing, for weight The significance level coefficient of disease subindex and the significance level coefficient for subindex of supporting parents, marital status is for subindex of dieing Significance level coefficient, the significance level coefficient for weight disease subindex and the significance level coefficient for subindex of supporting parents, receive in year Enter the significance level coefficient for subindex of dieing, the significance level coefficient for weight disease subindex and for endowment subindex Significance level coefficient, significance level coefficient of the professional risk grade for subindex of dieing, the important journey for weight disease subindex Degree coefficient and the significance level coefficient for subindex of supporting parents, calculate the corresponding weight of subindex, described heavy of being die described in determining The corresponding weight of disease subindex and the corresponding weight of the endowment subindex.
5. method according to claim 4, it is characterised in that basis feature of dieing corresponding with the age information Coefficient, weight disease characteristic coefficient and endowment characteristic coefficient, characteristic coefficient of dieing corresponding with the gender information, weight disease characteristic coefficient With endowment characteristic coefficient, characteristic coefficient of dieing corresponding with the marital status information, weight disease characteristic coefficient and endowment feature system Number, characteristic coefficient of dieing corresponding with the annual income information, weight disease characteristic coefficient and endowment characteristic coefficient, with the professional wind The corresponding characteristic coefficient of dieing of dangerous class information, weight disease characteristic coefficient and endowment characteristic coefficient, and, the age refers to for son of dieing Several significance level coefficient, significance level coefficients and the significance level coefficient for endowment subindex for weight disease subindex, Sex is for the significance level coefficient of subindex of dieing, for the significance level coefficient of disease subindex again and for endowment subindex Significance level coefficient, significance level coefficient of the marital status for subindex of dieing, the significance level for weight disease subindex Coefficient and the significance level coefficient for subindex of supporting parents, annual income is for the significance level coefficient of subindex of dieing, for weight The significance level coefficient of disease subindex and the significance level coefficient for subindex of supporting parents, professional risk grade refer to for son of dieing Several significance level coefficient, significance level coefficients and the significance level coefficient for endowment subindex for weight disease subindex, Calculate the corresponding weight of subindex of being die described in determining, the corresponding weight of the heavy disease subindex corresponding with the endowment subindex Weight, including：
According to formulaI=dies, weight disease, and it is corresponding that endowment calculates subindex of being die described in determination Weight aDie, the corresponding weight a of the heavy disease subindexWeight diseaseWeight a corresponding with the endowment subindexEndowment；
Wherein, 1 to 3 respectively represent die, weight disease and endowment, 1 to 5 represent respectively the age, sex, marital status, annual income and Professional risk grade, p1iIt is characteristic coefficient of dieing corresponding with the age information, weighs disease characteristic coefficient and endowment characteristic coefficient, p2iIt is characteristic coefficient of dieing corresponding with the gender information, weight disease characteristic coefficient and endowment characteristic coefficient, p3iIt is and the wedding The corresponding characteristic coefficient of dieing of relation by marriage condition information, weight disease characteristic coefficient and endowment characteristic coefficient, p4iWith the annual income information pair Characteristic coefficient of dieing, weight disease characteristic coefficient and the endowment characteristic coefficient answered, p5iBody corresponding with the professional risk class information Therefore characteristic coefficient, weight disease characteristic coefficient and endowment characteristic coefficient；γ1iFor the age for subindex of dieing significance level coefficient, Significance level coefficient for weight disease subindex and the significance level coefficient for subindex of supporting parents, sex is for subindex of dieing Significance level coefficient, the significance level coefficient for weight disease subindex and the significance level coefficient for subindex of supporting parents, wedding Relation by marriage situation refers to for the significance level coefficient of subindex of dieing, for the significance level coefficient of disease subindex again and for endowment Several significance level coefficients, significance level coefficient of the annual income for subindex of dieing, the significance level for weight disease subindex Coefficient and for support parents the significance level coefficient of subindex, professional risk grade for subindex of dieing significance level coefficient, Significance level coefficient for weight disease subindex and the significance level coefficient for subindex of supporting parents, age.
6. the method according to claim 4 or 5, it is characterised in that methods described also includes：
Pre-set age-subindex characteristic coefficient matrix, sex-subindex characteristic coefficient matrix, marital status-subindex special Levy coefficient matrix, annual income-subindex characteristic coefficient matrix, professional risk grade-subindex characteristic coefficient matrix；
It is described according to the age information, the gender information, the marital status information, the annual income information, reported Industry risk class information obtains corresponding characteristic coefficient of dieing, weight disease characteristic coefficient and endowment characteristic coefficient respectively, including：
The corresponding spy that dies of the age information is determined according to the age-subindex characteristic coefficient matrix and the age information Levy coefficient, weight disease characteristic coefficient and endowment characteristic coefficient；
The corresponding spy that dies of the gender information is determined according to the sex-subindex characteristic coefficient matrix and the gender information Levy coefficient, weight disease characteristic coefficient and endowment characteristic coefficient；
The marital status information is determined according to the marital status-subindex characteristic coefficient matrix and the marital status information Corresponding characteristic coefficient of dieing, weight disease characteristic coefficient and endowment characteristic coefficient；
Determine that the annual income information is corresponding according to the annual income-subindex characteristic coefficient matrix and the annual income information Die characteristic coefficient, weight disease characteristic coefficient and endowment characteristic coefficient；
The occupation is determined according to the professional risk grade-subindex characteristic coefficient matrix and the professional risk class information The corresponding characteristic coefficient of dieing of risk class information, weight disease characteristic coefficient and endowment characteristic coefficient.
7. method according to claim 6, it is characterised in that methods described also includes：
Pre-set significance level coefficient matrix；
It is described to obtain significance level coefficient of the age for subindex of dieing, the significance level coefficient for weight disease subindex respectively With for support parents subindex significance level coefficient, sex for subindex of dieing significance level coefficient, for weight disease refer to Several significance level coefficients and the significance level coefficient for subindex of supporting parents, important journey of the marital status for subindex of dieing Degree coefficient, the significance level coefficient for weight disease subindex and the significance level coefficient for subindex of supporting parents, annual income for The significance level coefficient of subindex of dieing, the significance level coefficient for weight disease subindex and the important journey for subindex of supporting parents Degree coefficient, significance level coefficient of the professional risk grade for subindex of dieing, the significance level coefficient for weight disease subindex With for support parents subindex significance level coefficient, including：
Age is obtained for the significance level coefficient of subindex of dieing, for weight disease according to the significance level coefficient matrix respectively The significance level coefficient of subindex and the significance level coefficient for subindex of supporting parents, important journey of the sex for subindex of dieing Degree coefficient, the significance level coefficient for weight disease subindex and the significance level coefficient for subindex of supporting parents, marital status pair Significance level coefficient in subindex of dieing, the significance level coefficient for weight disease subindex and important for endowment subindex Degree coefficient, annual income is for the significance level coefficient of subindex of dieing, the significance level coefficient for weight disease subindex and right In the significance level coefficient of endowment subindex, professional risk grade is for the significance level coefficient of subindex of dieing, for weight disease The significance level coefficient of subindex and the significance level coefficient for subindex of supporting parents.
8. the method according to any one of Claims 1-4, it is characterised in that methods described also includes：
Obtain the current existing social insurance of investigation object and business insurance；
The current existing social insurance and business insurance are accordingly divided to guarantee amount of dieing, weight disease according to support character In ensureing amount and Elder Security amount, the guarantee amount information of dieing, the heavy disease guarantee amount information and described are obtained Elder Security amount information.
9. it is a kind of to ensure index generating means, it is characterised in that including：
Acquisition module, the personal information of object is investigated for obtaining, and the personal information includes age information, gender information, wedding Relation by marriage condition information, annual income information, professional risk class information, guarantee amount of dieing information, weight disease ensure amount information and support It is old to ensure amount information；
Weight determination module, for being received according to the age information, the gender information, the marital status information, the year Enter information, the professional risk class information and determine the die corresponding weight of subindex, the corresponding weight of weight disease subindex respectively Weight corresponding with endowment subindex；
Index generation module is ensured, for guarantee amount information, the corresponding weight of the subindex of dieing, the institute of being die according to State weight disease and ensure amount information, the corresponding weight of the heavy disease subindex, the Elder Security amount information and endowment The corresponding weight generation of index ensures index；
Wherein, it is described to ensure that index is used to reflect the safeguard level that the investigation object is current.
10. device according to claim 9, it is characterised in that the guarantee index generation module is used for according to the body Therefore ensure that amount information, the corresponding weight of the subindex of dieing, the heavy disease ensure amount information, the heavy disease subindex pair The corresponding weight generation of weight, the Elder Security amount information and the endowment subindex answered ensures index, including：
According to formulaIt is calculated body Therefore subindex FDie；
According to formulaIt is calculated weight disease subindex FWeight disease；
According to formulaIt is calculated foster I is index FEndowment；
According to formula G (X)=aDie×FDie+aWeight disease×FWeight disease+aEndowment×FEndowmentCalculate the generation guarantee index；
Wherein, G (X) is the guarantee index for investigating object X, aDieTo investigate the corresponding weight of subindex of dieing of object X, aWeight diseaseFor Investigate the corresponding weight of heavy disease subindex of object X, aEndowmentTo investigate the corresponding weight of endowment subindex of object X, PDieTo examine Examine die the guarantee amount information, P of object XWeight diseaseFor the heavy disease for investigating object X ensures amount information, PEndowmentTo investigate supporting for object X It is old to ensure amount information, QyTo investigate province average consumption where object X, QzTo investigate the average work of province worker where object X Money, S is the per capita savings' volume for investigating province where object X.
11. devices according to claim 10, it is characterised in that the personal information also includes ground residence information, institute Acquisition module is stated to be additionally operable to：
Province where province average consumption, the investigation object X where object X is investigated according to the residence acquisition of information Staff average salary, per capita savings' volume in province where the investigation object X.
12. devices according to claim 9, it is characterised in that the weight determination module is used to be believed according to the age Breath, the gender information, the marital status information, the annual income information, the professional risk class information determine respectively The corresponding weight of subindex of dieing, the corresponding weight of weight disease subindex weight corresponding with endowment subindex, including：
According to the age information, the gender information, the marital status information, the annual income information, the professional wind Dangerous class information obtains corresponding characteristic coefficient of dieing, weight disease characteristic coefficient and endowment characteristic coefficient respectively；
The age is obtained respectively for the significance level coefficient of subindex of dieing, the significance level coefficient for weight disease subindex and right In the significance level coefficient of endowment subindex, sex is for the significance level coefficient of subindex of dieing, for weight disease subindex Significance level coefficient and the significance level coefficient for subindex of supporting parents, significance level system of the marital status for subindex of dieing Number, the significance level coefficient for weight disease subindex and the significance level coefficient for subindex of supporting parents, annual income is for dieing The significance level coefficient of subindex, the significance level coefficient for weight disease subindex and the significance level system for subindex of supporting parents Number, professional risk grade is for the significance level coefficient of subindex of dieing, the significance level coefficient for weight disease subindex and right In the significance level coefficient of endowment subindex；
According to characteristic coefficient of dieing corresponding with the age information, weight disease characteristic coefficient and endowment characteristic coefficient, with the property The corresponding characteristic coefficient of dieing of other information, weight disease characteristic coefficient and endowment characteristic coefficient, it is corresponding with the marital status information Die characteristic coefficient, weight disease characteristic coefficient and endowment characteristic coefficient, characteristic coefficient of dieing corresponding with the annual income information, weight Disease characteristic coefficient and endowment characteristic coefficient, characteristic coefficient of dieing corresponding with the professional risk class information, weight disease feature system Number and endowment characteristic coefficient, and, significance level coefficient of the age for subindex of dieing, the important journey for weight disease subindex Degree coefficient and the significance level coefficient for subindex of supporting parents, sex is for the significance level coefficient of subindex of dieing, for weight The significance level coefficient of disease subindex and the significance level coefficient for subindex of supporting parents, marital status is for subindex of dieing Significance level coefficient, the significance level coefficient for weight disease subindex and the significance level coefficient for subindex of supporting parents, receive in year Enter the significance level coefficient for subindex of dieing, the significance level coefficient for weight disease subindex and for endowment subindex Significance level coefficient, significance level coefficient of the professional risk grade for subindex of dieing, the important journey for weight disease subindex Degree coefficient and the significance level coefficient for subindex of supporting parents, calculate the corresponding weight of subindex, described heavy of being die described in determining The corresponding weight of disease subindex and the corresponding weight of the endowment subindex.
13. devices according to claim 12, it is characterised in that the weight determination module is used for basis and the age The corresponding characteristic coefficient of dieing of information, weight disease characteristic coefficient and endowment characteristic coefficient, the spy that dies corresponding with the gender information Coefficient, weight disease characteristic coefficient and endowment characteristic coefficient are levied, characteristic coefficient of dieing corresponding with the marital status information, weight disease are special Coefficient and endowment characteristic coefficient are levied, characteristic coefficient of dieing corresponding with the annual income information, weight disease characteristic coefficient and endowment are special Coefficient is levied, characteristic coefficient of dieing corresponding with the professional risk class information, weight disease characteristic coefficient and endowment characteristic coefficient, with And, the age is for the significance level coefficient of subindex of dieing, for the significance level coefficient of disease subindex again and for endowment The significance level coefficient of index, significance level coefficient of the sex for subindex of dieing, the significance level for weight disease subindex Coefficient and for support parents subindex significance level coefficient, marital status for subindex of dieing significance level coefficient, for The significance level coefficient of weight disease subindex and the significance level coefficient for subindex of supporting parents, annual income is for subindex of dieing Significance level coefficient, the significance level coefficient for weight disease subindex and the significance level coefficient for subindex of supporting parents, occupation Risk class is for the significance level coefficient of subindex of dieing, for the significance level coefficient of disease subindex again and for endowment The significance level coefficient of index, calculates the corresponding weight of subindex of being die described in determining, the corresponding weight of the heavy disease subindex Weight corresponding with the endowment subindex, including：
According to formulaI=dies, weight disease, and it is corresponding that endowment calculates subindex of being die described in determination Weight aDie, the corresponding weight a of the heavy disease subindexWeight diseaseWeight a corresponding with the endowment subindexEndowment；
Wherein, 1 to 3 respectively represent die, weight disease and endowment, 1 to 5 represent respectively the age, sex, marital status, annual income and Professional risk grade, p1iIt is characteristic coefficient of dieing corresponding with the age information, weighs disease characteristic coefficient and endowment characteristic coefficient, p2iIt is characteristic coefficient of dieing corresponding with the gender information, weight disease characteristic coefficient and endowment characteristic coefficient, p3iIt is and the wedding The corresponding characteristic coefficient of dieing of relation by marriage condition information, weight disease characteristic coefficient and endowment characteristic coefficient, p4iWith the annual income information pair Characteristic coefficient of dieing, weight disease characteristic coefficient and the endowment characteristic coefficient answered, p5iBody corresponding with the professional risk class information Therefore characteristic coefficient, weight disease characteristic coefficient and endowment characteristic coefficient；γ1iFor the age for subindex of dieing significance level coefficient, Significance level coefficient for weight disease subindex and the significance level coefficient for subindex of supporting parents, sex is for subindex of dieing Significance level coefficient, the significance level coefficient for weight disease subindex and the significance level coefficient for subindex of supporting parents, wedding Relation by marriage situation refers to for the significance level coefficient of subindex of dieing, for the significance level coefficient of disease subindex again and for endowment Several significance level coefficients, significance level coefficient of the annual income for subindex of dieing, the significance level for weight disease subindex Coefficient and for support parents the significance level coefficient of subindex, professional risk grade for subindex of dieing significance level coefficient, Significance level coefficient for weight disease subindex and the significance level coefficient for subindex of supporting parents, age.
14. device according to claim 12 or 13, it is characterised in that described device also includes presetting module；
The presetting module, for pre-set age-subindex characteristic coefficient matrix, sex-subindex characteristic coefficient matrix, Marital status-subindex characteristic coefficient matrix, annual income-subindex characteristic coefficient matrix, professional risk grade-subindex feature Coefficient matrix；
The weight determination module was used for according to the age information, the gender information, the marital status information, the year Income information, the professional risk class information obtain corresponding characteristic coefficient of dieing, weight disease characteristic coefficient and support respectively Old characteristic coefficient, including：
The corresponding spy that dies of the age information is determined according to the age-subindex characteristic coefficient matrix and the age information Levy coefficient, weight disease characteristic coefficient and endowment characteristic coefficient；
The corresponding spy that dies of the gender information is determined according to the sex-subindex characteristic coefficient matrix and the gender information Levy coefficient, weight disease characteristic coefficient and endowment characteristic coefficient；
The marital status information is determined according to the marital status-subindex characteristic coefficient matrix and the marital status information Corresponding characteristic coefficient of dieing, weight disease characteristic coefficient and endowment characteristic coefficient；
Determine that the annual income information is corresponding according to the annual income-subindex characteristic coefficient matrix and the annual income information Die characteristic coefficient, weight disease characteristic coefficient and endowment characteristic coefficient；
The occupation is determined according to the professional risk grade-subindex characteristic coefficient matrix and the professional risk class information The corresponding characteristic coefficient of dieing of risk class information, weight disease characteristic coefficient and endowment characteristic coefficient.
15. devices according to claim 14, it is characterised in that the presetting module is additionally operable to：Pre-set important journey Degree coefficient matrix；
The weight determination module refers to for obtaining the age respectively for the significance level coefficient of subindex of dieing, for weight disease Several significance level coefficients and the significance level coefficient for subindex of supporting parents, significance level system of the sex for subindex of dieing Number, the significance level coefficient for weight disease subindex and the significance level coefficient for subindex of supporting parents, marital status is for body Therefore the significance level coefficient of subindex, the significance level coefficient for weight disease subindex and the significance level for subindex of supporting parents Coefficient, annual income is for the significance level coefficient of subindex of dieing, for the significance level coefficient of disease subindex again and for supporting The significance level coefficient of my index, professional risk grade refers to for the significance level coefficient of subindex of dieing, for weight disease Several significance level coefficients and the significance level coefficient for subindex of supporting parents, including：
Age is obtained for the significance level coefficient of subindex of dieing, for weight disease according to the significance level coefficient matrix respectively The significance level coefficient of subindex and the significance level coefficient for subindex of supporting parents, important journey of the sex for subindex of dieing Degree coefficient, the significance level coefficient for weight disease subindex and the significance level coefficient for subindex of supporting parents, marital status pair Significance level coefficient in subindex of dieing, the significance level coefficient for weight disease subindex and important for endowment subindex Degree coefficient, annual income is for the significance level coefficient of subindex of dieing, the significance level coefficient for weight disease subindex and right In the significance level coefficient of endowment subindex, professional risk grade is for the significance level coefficient of subindex of dieing, for weight disease The significance level coefficient of subindex and the significance level coefficient for subindex of supporting parents.
16. device according to any one of claim 9 to 12, it is characterised in that the acquisition module is additionally operable to：
Obtain the current existing social insurance of investigation object and business insurance；
The current existing social insurance and business insurance are accordingly divided to guarantee amount of dieing, weight disease according to support character In ensureing amount and Elder Security amount, the guarantee amount information of dieing, the heavy disease guarantee amount information and described are obtained Elder Security amount information.
CN201710002357.7A 2017-01-03 2017-01-03 Ensure index generation method and device Pending CN106845805A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109543095A (en) * 2018-09-29 2019-03-29 中国平安人寿保险股份有限公司 Insurance products data push method, device and relevant device based on big data

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109543095A (en) * 2018-09-29 2019-03-29 中国平安人寿保险股份有限公司 Insurance products data push method, device and relevant device based on big data

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