CN108846531A - Insurance business analysis method and system based on standard scores - Google Patents
Insurance business analysis method and system based on standard scores Download PDFInfo
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Abstract
The disclosure belongs to field of computer technology, and in particular to a kind of insurance business analysis method and system based on standard scores.This method includes：The presupposed information of business personnel is obtained to extract multiple primitive character values of multiple classifications, the standard score of each primitive character value is calculated according to standard sub-model, each primitive character value is transformed into default scoring region；The presupposed information includes the essential information and behavior characteristic information of business personnel；Summation is weighted to the corresponding standard score of multiple primitive character values for belonging to each classification and obtains classification score value；Summation is weighted to the classification score value of each classification and obtains the comprehensive grading value of each business personnel using as final result.The method that the index that the disclosure can be included in multiple dimensions realizes comprehensive analysis evaluation business personnel's such as achievement, pass through comprehensive analysis to data such as business personnel's essential information, business personnel's behaviors, a kind of more comprehensive accurate objective mode is provided to the examination of business personnel, avoids single evaluation mode.
Description
Technical field
This disclosure relates to field of computer technology more particularly to a kind of insurance business analysis method based on standard scores and
Analysis system.
Background technique
In recent years, with the raising of Living consumption, insurance industry emerges rapidly, not according to life different phase
With needs, there are the insurance products of diversification, for example medical insurance, car insurance, retirement insurance, assets hold biography insurance etc., often
The needs that individual always has insurance to manage money matters.Therefore insurance industry is gradually highlighted in the status of market economy and social management, in society
In status also gradually deeply.
Under big data era, in the related technology, insurance industry personnel such as business personnel is usually according to certain number at present
Computation model is learned with single sales achievement data as main index analysis business personnel, it with result is to lead that actually this, which is a kind of,
To performance assessment criteria, more objective analysis cannot be provided, also accurately comprehensive analysis can not find to ask existing for business personnel
Topic.
Summary of the invention
The disclosure is designed to provide a kind of insurance business analysis method and analysis system based on standard scores, in turn
One or more is overcome the problems, such as caused by the limitation and defect due to the relevant technologies at least to a certain extent.
According to the first aspect of the embodiments of the present disclosure, a kind of insurance business analysis method based on standard scores, the party are provided
Method includes：
The presupposed information of business personnel is obtained to extract multiple primitive character values of multiple classifications, according to standard sub-model meter
Each primitive character value is transformed to default scoring region by the standard score for calculating each primitive character value；It is wherein described default
Information includes at least the essential information and behavior characteristic information of business personnel；
Summation is weighted to the corresponding standard score of multiple primitive character values for belonging to each classification and obtains class
Other score value；
Summation is weighted to the classification score value of each classification and obtains the comprehensive grading value of each business personnel using as final
As a result.
In embodiment of the disclosure, the step of the standard score that each primitive character value is calculated according to standard sub-model
Suddenly, including：
The default score value Z of each primitive character value is calculated according to the standard sub-model；
Linear transformation is carried out to default score value Z according to formula y=aZ+b and obtains corresponding standard score；Wherein a, b are
Constant.
In embodiment of the disclosure, the standard sub-model is made of following formula：
Wherein, x indicates primitive character value,Indicate that the average value of single primitive character value, corresponding σ indicate primitive character
The standard deviation of value.
In embodiment of the disclosure, Z is without unit, and if x is greater thanThen Z value is positive；If x is less thanThen Z value is negative；
If x is equal toThen Z value is zero.
In embodiment of the disclosure, the described pair of corresponding standard of multiple primitive character values for belonging to each classification
Score value is weighted the step of summation obtains classification score value, including：
To belonging to multiple standard scores of each classification respectively multiplied by being added to obtain again after a weight coefficient
Corresponding each classification score value；
The classification score value to each classification is weighted the step that summation obtains the comprehensive grading value of each business personnel
Suddenly, including：
To the classification score value of each classification respectively multiplied by being added to obtain comprehensive grading value again after a predetermined coefficient；Its
In, the corresponding predetermined coefficient of each classification score value is not exactly the same, and original spy belonging to the predetermined coefficient and the category
The weight factor of value indicative number and the category is related.
According to the second aspect of an embodiment of the present disclosure, a kind of insurance business analysis system based on standard scores is provided, this is
System includes：
Standard scores computing module extracts multiple primitive characters of multiple classifications for obtaining the presupposed information of business personnel
Value, the standard score of each primitive character value is calculated according to standard sub-model, and each primitive character value is transformed to default comment
Subregion；Wherein the presupposed information includes at least the essential information and behavior characteristic information of business personnel；
Classification divides computing module, for the corresponding standard scores of multiple primitive character values for belonging to each classification
Value is weighted summation and obtains classification score value；
Synthesis divides computing module, is weighted summation for the classification score value to each classification and obtains each business personnel's
Comprehensive grading value is using as final result.
In embodiment of the disclosure, the standard scores computing module is specifically used for：
The default score value Z of each primitive character value is calculated according to the standard sub-model；
Linear transformation is carried out to default score value Z according to formula y=aZ+b and obtains corresponding standard score；Wherein a, b are
Constant.
In embodiment of the disclosure, the standard sub-model is made of following formula：
Wherein, x indicates primitive character value,Indicate that the average value of single primitive character value, corresponding σ indicate primitive character
The standard deviation of value.
In embodiment of the disclosure, Z is without unit, and if x is greater thanThen Z value is positive；If x is less thanThen Z value is negative；
If x is equal toThen Z value is zero.
In embodiment of the disclosure, the classification divides computing module, for the multiple marks for belonging to each classification
Quasi- score value is added to obtain corresponding each classification score value again later multiplied by a weight coefficient respectively；
The synthesis divides computing module, for the classification score value to each classification respectively multiplied by a predetermined coefficient after
It is added to obtain comprehensive grading value again；Wherein, the corresponding predetermined coefficient of each classification score value is not exactly the same, and this is default
Coefficient is related to the weight factor of primitive character value number and the category belonging to the category.
The technical scheme provided by this disclosed embodiment can include the following benefits：
In the embodiment of the present disclosure, the presupposed information of available business personnel is to extract multiple primitive characters of multiple classifications
Value, the presupposed information includes at least the multidimensional information such as essential information and the behavior characteristic information of business personnel, then according to standard
Sub-model calculates the standard score of each primitive character value, and each primitive character value is transformed to default scoring region and reality
It is now subsequent to unify objectively to analyze；Secondly, to the corresponding standard scores of multiple primitive character values for belonging to each classification
Value is weighted summation and obtains classification score value, is finally weighted summation to the classification score value of each classification and obtains each business
The comprehensive grading value of member is using as final result.In this way, can be included in the index parameter of multiple dimensions and provide overall merit and refer to
Number, the method for realizing comprehensive analysis evaluation business personnel's such as achievement, by the number such as business personnel's essential information, business personnel's behavior
According to comprehensive analysis, extract the key feature of business personnel, provide a kind of more comprehensive and accurate side to the examination of business personnel
Formula avoids single evaluation mode, in addition can also propose to guide in the promotion of self to new person, more can really reflect
The professional ability of business personnel specifically can be applied in more scenes.
Detailed description of the invention
Fig. 1 shows the insurance business analysis method flow chart in disclosure exemplary embodiment based on standard scores；
Fig. 2 shows analyze appraisal result schematic diagram for business personnel in disclosure exemplary embodiment；
Fig. 3 shows the insurance business analysis system schematic in disclosure exemplary embodiment based on standard scores.
Specific embodiment
Example embodiment is described more fully with reference to the drawings.However, example embodiment can be with a variety of shapes
Formula is implemented, and is not understood as limited to example set forth herein；On the contrary, thesing embodiments are provided so that the disclosure will more
Add fully and completely, and the design of example embodiment is comprehensively communicated to those skilled in the art.Described spy
Sign, structure or characteristic can be incorporated in any suitable manner in one or more embodiments.
In addition, attached drawing is only the schematic illustrations of the disclosure, it is not necessarily drawn to scale.Identical attached drawing in figure
Label indicates same or similar part, thus will omit repetition thereof.Some block diagrams shown in the drawings are
Functional entity, not necessarily must be corresponding with physically or logically independent entity.These can be realized using software form
Functional entity, or these functional entitys are realized in one or more hardware modules or integrated circuit, or fill in different processor
Set and/or microcontroller device in realize these functional entitys.
A kind of insurance business analysis method based on standard scores is provided in this example embodiment, this method can answer
Management server for such as insurance company.With reference to shown in Fig. 1, this method may comprise steps of S101~S103：
Step S101：The presupposed information of business personnel is obtained to extract multiple primitive character values of multiple classifications, according to standard
Sub-model calculates the standard score of each primitive character value, and each primitive character value is transformed to default scoring region；Wherein
The presupposed information includes at least the essential information and behavior characteristic information of business personnel.
Step S102：The corresponding standard score of multiple primitive character values for belonging to each classification is weighted
Summation obtains classification score value.
Step S103：Summation is weighted to the classification score value of each classification and obtains the comprehensive grading value of each business personnel
Using as final result.
It can be included in the index parameter of multiple dimensions in the embodiment of the present disclosure and provide comprehensive evaluation index, realize synthesis
The method of analyzing evaluation business personnel such as achievement passes through dividing comprehensively to data such as business personnel's essential information, business personnel's behaviors
Analysis, extracts the key feature of business personnel, provides a kind of more comprehensive accurate objective mode to the examination of business personnel, keeps away
Exempt from the deficiency of single evaluation mode, in addition more can also really reflect the professional ability of business personnel, gives new person's mentioning at self
It goes up proposition to guide, specifically can be applied in more scenes.
Specifically, in step s101, obtaining the presupposed information of business personnel to extract multiple primitive characters of multiple classifications
Value, the standard score of each primitive character value is calculated according to standard sub-model, and each primitive character value is transformed to default comment
Subregion；Wherein the presupposed information includes at least the essential information and behavior characteristic information of business personnel.
Illustratively, the essential information in the presupposed information and behavior characteristic information may include business personnel
Basis point, the accumulation of safety index, wealth, contractual capacity, social activity situation, multiple classifications namely the different fingers such as identity speciality
Dimension is marked, can propose comprehensive credit scoring model in this way, wherein index dimension can flexibly increase and decrease.
Wherein, x indicates primitive character value,Indicate that the average value of single primitive character value, corresponding σ indicate primitive character
The standard deviation of value.
In embodiment of the disclosure, Z is without unit, and if x is greater thanThen Z value is positive；If x is less thanThen Z value is negative；
If x is equal toThen Z value is zero.xiIt can be the original spy of multiple history that single primitive character value stores in system server
Value indicative data.N is the integer greater than 1.
2) linear transformation is carried out to default score value Z according to formula y=aZ+b and obtains corresponding standard score；Wherein a, b are equal
For constant.
Specifically, can be by each primitive character value, that is, raw score linear transformation to specified scoring in the present embodiment
Region, such as [100,900], so as to realize relative standard's unification and objective appraisal.A, b is constant, specifically can root
According to needing value, such as a that 100, b is taken to take 500, just obtaining being equally divided into 500, standard deviation is 100 criterion score, this
The section that transformation is fallen into for controlling scoring.Therefore the present embodiment gives a mark to business personnel using standard sub-model, realizes phase
Unified to standard and objective subsequent evaluation, it is subsequent the scoring of each feature to be weighted combination, it obtains for every
The comprehensive score of a business personnel, comprehensive score also fall within a fixed area, such as [100,900].
Wherein, Z score is the difference of raw score x and average (average value of raw score) divided by (original point of standard deviation
Several standard deviations) resulting quotient, no unit.Z value is positive if initial data is greater than average；If initial data is less than
Then its Z value is negative average；Z value is zero if initial data is equal to average.Therefore refering to what is shown in Fig. 2, final result obtains
Point can be just can also be it is negative.The present embodiment has following property using standard scores：
A. the distribution of standard scores is identical as original point of distribution.
B. the average value of standard scores is 0, and the standard deviation of standard scores is 1.
C. it is linear transformation that original point, which is converted to standard scores, will not change the distribution shape of score, does not also change original point
Several location orders, that is, do not change ranking, do not change relative position, does not change relative distance.
In this way, passing through the section that transformation control scoring is fallen into, relative standard's unification and objective appraisal are realized.
In step s 102, the standard score corresponding to the multiple primitive character values for belonging to each classification carries out
Weighted sum obtains classification score value.
In embodiment of the disclosure, step S102 can specifically include：To the multiple marks for belonging to each classification
Quasi- score value is added to obtain corresponding each classification score value again later multiplied by a weight coefficient respectively, namely first calculates classification point.
Specifically, can by the standard scores weighted sum of each feature (corresponding each specific targets) in each classification,
The standard scores of exactly each feature obtain a numerical value, can calculate separately in this way multiplied by being added again after a weight coefficient
The classification of each classification point.For example, 1 standard scores * 1.5+ feature of feature, 2 standard scores * 1.5+ feature, 3 standard scores * 1.5+ feature 4
5 standard scores * 0.6 of standard scores * 2.4+ feature.The weight coefficient can be preset, and such as " basis point " classification is corresponding with 3
Weight coefficient and standardized classification, it is other similar.For not only including being positively correlated index but also including negatively correlated index such as " energy of honouring an agreement
Power " classification can calculate separately contractual capacity and be positively correlated index classification point and contractual capacity negative correlation index classification point, calculating side
Formula is as described above.
In step s 103, it summation is weighted to the classification score value of each classification obtains the synthesis of each business personnel and comment
Score value is using as final result.
Illustratively, on the basis of above-mentioned classification point calculates, correspondingly, step S103 can specifically include：To each
The classification score value of classification is added to obtain comprehensive grading value again later multiplied by a predetermined coefficient respectively；Wherein, each classification score value
The corresponding predetermined coefficient is not exactly the same, and primitive character value number belonging to the predetermined coefficient and the category and should
The weight factor of classification is related.Wherein weight factor can be preset.
Illustratively, after the corresponding predetermined coefficient of each classification point can be the category point divided by primitive character value number
Multiplied by weight factor, it is certainly not limited to this.In one example, it does not deal with for other point of base categories, it is in addition negatively correlated
The corresponding calculating score of index item finally needs to subtract.Such as the calculating of comprehensive grading value can be：Other point+wealth of base categories
Richness accumulation classification point/3*0.2+ social activity situation classification point/3*0.2+ contractual capacity is positively correlated index classification point/2*0.2+ identity
/ 2 * 0.3 of speciality classification point/4*0.2- safety index classification point/3*0.3- contractual capacity negative correlation mark classification point.
In conclusion a kind of method that the embodiment of the present disclosure proposes Comprehensive Assessment business personnel achievement, by business personnel
Comprehensive analysis of the data such as essential information, business personnel's behavior, extracts the key feature of business personnel, establishes credit scoring model, will
User characteristics are converted to CREDIT SCORE.On the one hand the Quantitative marking provides a kind of more objective complete to the examination of business personnel
In addition the accurate mode in face also proposes to guide in the promotion of self to new person, while credit scoring model also can be applied to
In more scenes.
The each feature of business personnel is comprehensively considered in the present embodiment, quantifies the evaluation to business personnel, and model can be supported
The increase and decrease of feature.The embodiment of the present invention is had at least the following advantages using the calculating of standard sub-model：
1) scoring is equidistant, has good comparativity and additive property, can carry out the arithmetical operation such as adding and subtracting.
2) standard scores can reflect position of certain business personnel in all business personnels.The size of standard scores, shows business personnel
Horizontal height.
It is in conjunction with foregoing description content it is found that single for existing business person's appraisement system, it cannot really reflect business personnel's
The problem of professional ability, the method that the embodiment of the present disclosure proposes comprehensively consider such as basic score of business personnel, refer to safely
The case where multiple dimensions such as number, wealth accumulation, contractual capacity, social situation, identity speciality, proposes comprehensive credit scoring, can be with
More objective comprehensive and accurate analysis, and wherein index dimension can flexibly increase and decrease, and adapt to plurality of application scenes demand.
It should be noted that although describing each step of method in the disclosure in the accompanying drawings with particular order,
It is that this does not require that or implies must execute these steps in this particular order, or have to carry out shown in whole
Step is just able to achieve desired result.Additional or alternative, it is convenient to omit multiple steps are merged into one by certain steps
Step executes, and/or a step is decomposed into execution of multiple steps etc..In addition, being also easy to understand, these steps
Suddenly it can be and for example either synchronously or asynchronously executed in multiple module/process/threads.
With reference to shown in Fig. 3, the embodiment of the present disclosure also provides a kind of insurance business analysis system based on standard scores, should
System 100 may include that standard scores computing module 101, classification divide computing module 102 and synthesis to divide computing module 103；Wherein：
The standard scores computing module 101 extracts multiple originals of multiple classifications for obtaining the presupposed information of business personnel
Beginning characteristic value calculates the standard score of each primitive character value according to standard sub-model, each primitive character value is transformed to
Default scoring region；Wherein the presupposed information includes at least the essential information and behavior characteristic information of business personnel；
The classification divides computing module 102, for corresponding described to the multiple primitive character values for belonging to each classification
Standard score is weighted summation and obtains classification score value；
The synthesis divides computing module 103, is weighted summation for the classification score value to each classification and obtains each industry
The comprehensive grading value of business person is using as final result.
In embodiment of the disclosure, the standard scores computing module 101 is specifically used for：According to the standard sub-model meter
Calculate the default score value Z of each primitive character value；Default score value Z progress linear transformation is obtained according to formula y=aZ+b corresponding
Standard score；Wherein a, b are constant.
Further, in embodiment of the disclosure, the standard scores modeled exemplary can be made of following formula：
Wherein, x indicates primitive character value,Indicate that the average value of single primitive character value, corresponding σ indicate primitive character
The standard deviation of value.
In embodiment of the disclosure, Z is without unit, and if x is greater thanThen Z value is positive；If x is less thanThen Z value is
It is negative；If x is equal toThen Z value is zero.
In embodiment of the disclosure, the classification divides computing module 102, for the multiple institutes for belonging to each classification
Standard score is stated to be added to obtain corresponding each classification score value again later multiplied by a weight coefficient respectively；The synthesis point meter
Module 103 is calculated, is added to obtain comprehensive score again later multiplied by a predetermined coefficient respectively for the classification score value to each classification
Value；Wherein, the corresponding predetermined coefficient of each classification score value is not exactly the same, and belonging to the predetermined coefficient and the category
The weight factor of primitive character value number and the category is related.
It should be noted that specifically referring to retouching in detail for preceding method embodiment part about the above system embodiment
It states, details are not described herein again.
Each functional module in the above-mentioned each embodiment of the disclosure can integrate one independent portion of formation together
Point, it is also possible to modules individualism, an independent part can also be integrated to form with two or more modules.
If the function is realized and when sold or used as an independent product in the form of software function module, can store
In one computer-readable storage medium.Based on this understanding, technical solution of the present invention is substantially in other words to existing
The part of part or the technical solution that technology contributes can be embodied in the form of software products, the computer
Software product is stored in a storage medium, including some instructions are used so that a computer equipment (can be intelligence
Terminal, personal computer, server or network equipment etc.) execute the whole or portion of each embodiment the method for the present invention
Step by step.And storage medium above-mentioned may include：USB flash disk, mobile hard disk, read-only memory (ROM, Read-Only
Memory), random access memory (RAM, Random Access Memory), magnetic or disk etc. are various can store
The medium of program code.
It should be noted that, in this document, relational terms such as first and second and the like are used merely to a reality
Body or operation are distinguished with another entity or operation, without necessarily requiring or implying between these entities or operation
There are any actual relationship or orders.Moreover, the terms "include", "comprise" or its any other variant are intended to
Cover non-exclusive inclusion, so that the process, method, article or equipment for including a series of elements not only includes that
A little elements, but also including other elements that are not explicitly listed, or further include for this process, method, article or
The intrinsic element of person's equipment.In the absence of more restrictions, the element limited by sentence "including a ...", and
It is not excluded in process, method, article or equipment in the process, method, article or apparatus that includes the element that there is also other identical elements.
In short, those skilled in the art after considering the specification and implementing the invention disclosed here, will readily occur to this public affairs
The other embodiments opened.This application is intended to cover any variations, uses, or adaptations of the disclosure, these modifications,
Purposes or adaptive change follow the general principles of this disclosure and including the undocumented public affairs in the art of the disclosure
Know common sense or conventional techniques.The description and examples are only to be considered as illustrative, the true scope and spirit of the disclosure by
The attached claims are pointed out.
Claims (10)
1. a kind of insurance business analysis method based on standard scores, which is characterized in that this method includes：
The presupposed information of business personnel is obtained to extract multiple primitive character values of multiple classifications, is calculated according to standard sub-model each
Each primitive character value is transformed to default scoring region by the standard score of primitive character value；Wherein the presupposed information is extremely
It less include the essential information and behavior characteristic information of business personnel；
Summation is weighted to the corresponding standard score of multiple primitive character values for belonging to each classification and obtains classification point
Value；
Summation is weighted to the classification score value of each classification and obtains the comprehensive grading value of each business personnel using as final result.
2. analysis method according to claim 1, which is characterized in that described to calculate each primitive character according to standard sub-model
The step of standard score of value, including：
The default score value Z of each primitive character value is calculated according to the standard sub-model；
Linear transformation is carried out to default score value Z according to formula y=aZ+b and obtains corresponding standard score；Wherein a, b are constant.
3. analysis method according to claim 2, which is characterized in that the standard sub-model is made of following formula：
Wherein, x indicates primitive character value,Indicate that the average value of single primitive character value, corresponding σ indicate the mark of primitive character value
It is quasi- poor.
4. analysis method according to claim 3, which is characterized in that Z is without unit, and if x is greater thanThen Z value is positive；If
X is less thanThen Z value is negative；If x is equal toThen Z value is zero.
5. analysis method according to claim 4, which is characterized in that the described pair of multiple primitive characters for belonging to each classification
It is worth the corresponding standard score and is weighted the step of summation obtains classification score value, including：
The multiple standard scores for belonging to each classification are added multiplied by a weight coefficient again later respectively and are corresponded to
Each classification score value；
The classification score value to each classification is weighted the step of summation obtains the comprehensive grading value of each business personnel, packet
It includes：
To the classification score value of each classification respectively multiplied by being added to obtain comprehensive grading value again after a predetermined coefficient；Wherein, often
The corresponding predetermined coefficient of a classification score value is not exactly the same, and primitive character value belonging to the predetermined coefficient and the category
Several and the category the weight factor is related.
6. a kind of insurance business analysis system based on standard scores, which is characterized in that the system includes：
Standard scores computing module extracts multiple primitive character values of multiple classifications, root for obtaining the presupposed information of business personnel
Each primitive character value is transformed to default scoring area by the standard score that each primitive character value is calculated according to standard sub-model
Domain；Wherein the presupposed information includes at least the essential information and behavior characteristic information of business personnel；
Classification divides computing module, for carrying out to the corresponding standard score of the multiple primitive character values for belonging to each classification
Weighted sum obtains classification score value；
Synthesis divides computing module, is weighted summation for the classification score value to each classification and obtains the synthesis of each business personnel and comments
Score value is using as final result.
7. analysis system according to claim 6, which is characterized in that the standard scores computing module is specifically used for：
The default score value Z of each primitive character value is calculated according to the standard sub-model；
Linear transformation is carried out to default score value Z according to formula y=aZ+b and obtains corresponding standard score；Wherein a, b are constant.
8. analysis system according to claim 7, which is characterized in that the standard sub-model is made of following formula：
Wherein, x indicates primitive character value,Indicate that the average value of single primitive character value, corresponding σ indicate the mark of primitive character value
It is quasi- poor.
9. analysis system according to claim 8, which is characterized in that Z is without unit, and if x is greater thanThen Z value is positive；If
X is less thanThen Z value is negative；If x is equal toThen Z value is zero.
10. analysis method according to claim 4, which is characterized in that the classification divides computing module, for every to belonging to
Multiple standard scores of a classification are added to obtain corresponding each classification score value again later multiplied by a weight coefficient respectively；
The synthesis divides computing module, is added again later multiplied by a predetermined coefficient respectively for the classification score value to each classification
Obtain comprehensive grading value；Wherein, the corresponding predetermined coefficient of each classification score value is not exactly the same, and the predetermined coefficient with should
The weight factor of primitive character value number and the category belonging to classification is related.
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| CN109948998A (en) * | 2019-01-31 | 2019-06-28 | 德联易控科技(北京)有限公司 | Data processing method, device and electronic equipment |
| CN110209883A (en) * | 2019-06-06 | 2019-09-06 | 王慧斌 | A kind of method and device of user's history data validity judgement |
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