CN110738557A - Evaluation system and evaluation method for vehicle owner comprehensive credit rating - Google Patents
Evaluation system and evaluation method for vehicle owner comprehensive credit rating Download PDFInfo
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Abstract
The invention provides an evaluation system and an evaluation method of vehicle owner comprehensive credit grades, belonging to the field of property insurance.A complete set of evaluation systems developed based on self-owned data, insurance data and third-party data aiming at vehicle owners are disclosed, and accurate portrait and risk analysis are carried out on vehicle owners by using a data mining technology.
Description
[ technical field ] A method for producing a semiconductor device
The invention relates to the field of property insurance, in particular to an evaluation system and an evaluation method for vehicle owner comprehensive credit grades.
[ background of the invention ]
The public data shows that 1.5 million private car owners are located nationwide in 2016 and relate to 54% of families, but in the car insurance industry, only 14 companies have car insurance profit, the total loss of 41 companies reaches 63 million yuan, and the industry loss proportion reaches 75%.
[ summary of the invention ]
The invention aims to solve the existing problems and overcome the dilemma of the existing industry, and provides an evaluation system and an evaluation method for vehicle owner comprehensive credit grades, wherein accurate portrait and risk analysis are carried out on vehicle owners based on massive self-owned data, integrated insurance data and third-party data by using an advanced data mining technology, credit scores are quantized into 200-800, the higher the score is, the lower the risk is, and a decision basis is provided for making reasonable and effective risk control, differentiated pricing and marketing strategies in the business process of insurance company underwriting, marketing and claim settlement.
In order to achieve the purpose, the technical scheme adopted by the invention is as follows:
the vehicle owner comprehensive credit rating evaluation system comprises the following points of (1) data integration, namely integrating public data including own driver data, vehicle information data, insurance policy information of insurance companies, historical claim settlement data, insurance information and violation data in a database, wherein a third party comprises vehicle configuration, house price and vehicle price, a map and the like, (2) a rating model, namely a module for calculating the credit rating of a user according to the integrated data, and (3) model optimization, namely a model is continuously adjusted according to new data and defects to make the model more practical.
The invention relates to an evaluation method of an vehicle owner comprehensive credit rating evaluation system, which comprises the steps of (a) storing data in a data integration (1), wherein the data sources comprise three aspects, namely own driver information data and vehicle data in the , insurance policy data and historical claim settlement data of insurance companies in the second aspect, and network public data in the third aspect, comprising vehicle performance configuration parameters, house price data, enterprise public information and the like, and (b) respectively arranging two sets of evaluation systems for different attributes of private vehicles and public vehicles in a rating model (2), wherein b1) the private vehicle evaluation system comprises a private vehicle evaluation system and a public vehicle evaluation system, wherein the private vehicle evaluation system comprises three dimensions, namely, the basic condition of the private vehicle owner, the personal economic condition of the private vehicle owner, the previous credit condition of the private vehicle owner respectively accounts for 10 percent, 20 percent and 70 percent, as shown in a table 1, b2) the public vehicle evaluation system comprises two dimensions, namely the public vehicle evaluation system basic condition, the previous credit condition respectively accounts for 30 percent and 70 percent, as shown in a table 2, and c) the model optimization (3) adjusts the results according to the new data and the shortages in the actual results, so that the results are more.
TABLE 1 private car assessment System
TABLE 2 bus evaluation system
The invention judge system for judging customer comprehensive credit rating according to multi-aspect data, comprising:
the data aspect comprises three aspects of data:
1) owner personal basic situation: the method comprises the following steps: the sex, the age, the driving age, the type of the car to be driven and the current unit property of the car owner.
2) Personal economic condition of vehicle owner: the method comprises the following steps: the vehicle owner has the advantages of monthly income, the number of owned vehicles, the type of the vehicle, the use property, the vehicle insurance amount and the price of the cell to which the vehicle belongs.
3) Past credit situation: the conventional credit conditions are mainly divided into illegal indexes and vehicle insurance claim settlement indexes.
The violation indicators include: vehicle illegal behaviors, vehicle illegal times, vehicle owner illegal behaviors and vehicle owner illegal behaviors.
The vehicle insurance claim settlement indexes comprise: the amount of claims, the number of times of claims, and the ratio of claims.
And in the aspect of the model, according to the proportion of each judgment rule, scoring the judgment rules and finally accumulating the scores.
In the present invention, the calculation formula of the evaluation method is set as
Wherein D is a composite credit score and wherein,n represents each score item, piAnd (4) specifically scoring each scoring item, finally calculating to obtain a comprehensive credit score D, and dividing into 9 grades according to the score range of D.
The invention has the beneficial effects that: the analysis level of the client is perfected, and the current domestic car insurance pricing considers more 'slave car' information, such as car type, car age, configuration, whether the car is in 'insurance' or not, and the like. However, whether the risk really occurs or not is the specific situation of the owner and the insurance company just lacks the data for a long time. The invention introduces and mines the 'slave' information, introduces the evaluation detailed rules of people on the basis of the vehicle information, not only reflects the willingness of the client to be informed, but also reflects the economic strength of the client, therefore, the ontology increases the economic data of the client on the basis of the vehicle information, also adds the past credit condition, and reflects the comprehensive condition of the client as comprehensively and objectively as possible.
[ description of the drawings ]
FIG. 1 is a schematic diagram of an evaluation system according to the present invention.
Fig. 2 shows an operation manner of the evaluation method of the evaluation system of the present invention in an actual scene.
FIG. 3 is a report of an owner's composite credit rating for an embodiment of the evaluation system of the present invention.
[ detailed description ] embodiments
The vehicle owner comprehensive credit rating evaluation system comprises the following points of (1) data integration, namely integrating public data including own driver data, vehicle information data, insurance policy information of insurance companies, historical claim settlement data, insurance information and violation data in a database, wherein a third party comprises vehicle configuration, house price and vehicle price, a map and the like, (2) a rating model, namely a module for calculating the credit rating of a user according to the integrated data, and (3) model optimization, namely a model is continuously adjusted according to new data and defects to make the model more practical.
The invention relates to an evaluation method of an vehicle owner comprehensive credit rating evaluation system, which comprises the steps of (a) storing data in a data integration (1), wherein the data sources comprise three aspects, namely own driver information data and vehicle data in the , insurance policy data and historical claim settlement data of insurance companies in the second aspect, and network public data in the third aspect, comprising vehicle performance configuration parameters, house price data, enterprise public information and the like in the third aspect, and (b) respectively arranging two sets of evaluation systems for different attributes of private vehicles and public vehicles in a rating model (2), wherein b1) the private vehicle evaluation system evaluates the private vehicles from three dimensions, namely, the basic conditions of the vehicle owners and the personal economic conditions of the vehicle owners, wherein the former credit conditions of the vehicle owners respectively account for 10 percent, 20 percent and 70 percent of weight, as shown in table 1, and b2) the public vehicle evaluation system evaluates the public vehicles from two dimensions, the basic conditions of the companies, wherein the former credit conditions respectively account for 30 percent and 70 percent of weight, as shown in table 2, and (c) optimizing the model (3), and adjusting the results according to the new data and the shortages in each system, so that the actual results are in the actual situation.
TABLE 1 private car assessment System
TABLE 2 bus evaluation system
The invention judge system for judging customer comprehensive credit rating according to multi-aspect data, comprising:
the data aspect comprises three aspects of data:
1) owner personal basic situation: the method comprises the following steps: the sex, the age, the driving age, the type of the car to be driven and the current unit property of the car owner.
2) Personal economic condition of vehicle owner: the method comprises the following steps: the vehicle owner has the advantages of monthly income, the number of owned vehicles, the type of the vehicle, the use property, the vehicle insurance amount and the price of the cell to which the vehicle belongs.
3) Past credit situation: the conventional credit conditions are mainly divided into illegal indexes and vehicle insurance claim settlement indexes.
The violation indicators include: vehicle illegal behaviors, vehicle illegal times, vehicle owner illegal behaviors and vehicle owner illegal behaviors.
The vehicle insurance claim settlement indexes comprise: the amount of claims, the number of times of claims, and the ratio of claims.
And in the aspect of the model, according to the proportion of each judgment rule, scoring the judgment rules and finally accumulating the scores. The method specifically comprises the following steps: private-personal basic condition evaluation rules (table 3), private-personal economic condition evaluation rules (table 4), private-past credit condition scoring rules (table 5), public-company basic condition scoring rules (table 6), and company-past credit condition scoring rules (table 7), as shown in table 1:
TABLE 3 private-personal basic situation assessment rules
TABLE 4 personal economic evaluation rules
TABLE 5 private-past Credit Scoring rules
TABLE 6 rules for scoring bus-company base cases
TABLE 7 company-past Credit Scoring rules
In the present invention, the calculation formula of the evaluation method is set asWhere D is the composite credit score, n represents each scoring item, piIs a specific comment of each scoring itemAnd finally, calculating to obtain a comprehensive credit score D, and dividing into 9 grades according to the score range of D. See tables 8 and 9 for:
TABLE 8 private Credit score partitioning
| Credit rating | Fractional interval | Credit status | Means of |
| AAA | (680，∞) | Excellent credit | The credit degree is high, and the vehicle owner has excellent credit records. |
| AA | (650，680] | Excellence in credit | The credit degree is higher, and the vehicle owner has excellent credit records. |
| A | (630，650] | Credit is better | The credit degree is good, and the vehicle owner has better credit record. |
| BBB | (610，630] | Credit is | The credit level indicates that the owner has a normal credit record. |
| BB | (590，610] | Poor credit | The credit degree is poor, and the vehicle owner has more bad credit records. |
| B | (570，590] | Poor credit | The degree of credit is poor. |
| CCC | (550，570] | Poor credit | The degree of credit is poor. |
| CC | (520，550] | Extreme difference in credit | The credit is extremely poor. |
| C | (∞，520] | Without credit | There is no credit. |
TABLE 9 bus Credit partitioning
When an insurance company needs to know the credit condition of a customer, sending a query request to a model system through an identity certification number, a number plate number, a vehicle identification code and an engine number, searching data in a database through index information in data integration (1), combining data such as vehicle main basic information, vehicle owner behavior information, social information and the past credit record condition in the database, creating subdivision labels such as occupational characteristic risk, credit history, economic strength, driving habits and the like by using mathematical modeling, drawing the user, and issuing comprehensive credit rating reports, wherein the report content comprises a vehicle owner comprehensive credit evaluation sample example such as vehicle owner user drawings, basic information, comprehensive credit rating and rating analysis:
the rating results generated by the model are returned to the insurance company, which evaluates the client risk credits according to the report, as shown in fig. 3.
Claims (3)
- The system for evaluating the comprehensive credit rating of the vehicle owners is characterized by comprising (1) data integration, a rating model, a module and a model optimization, wherein the data integration comprises public data such as own driver data, vehicle information data, insurance company policy information, historical claim settlement data, insurance information and violation data, and the public data of a third party comprises vehicle configuration, house price and vehicle price, a map and the like, the public data comprises (2) a rating model, a module for calculating the credit rating of the users according to the integrated data, and the model optimization is realized by adjusting the model continuously according to new data and defects so that the model is more practical.
- 2. The evaluation system of vehicle owner integrated credit rating of claim 1, wherein (a) data is stored in data integration (1), the data sources include three aspects, the aspect is own driver information data, vehicle data, the second aspect is insurance policy data and historical claims data of insurance companies, the third aspect is network public data, including vehicle performance configuration parameters, house price data, enterprise public information, etc., and (b) two sets of evaluation systems are set for different attributes of private vehicles and public vehicles in the rating model (2) b1) private vehicle evaluation systems are set for private vehicles to evaluate from three dimensions, owner personal basic conditions, owner personal economic conditions, owner previous credit conditions respectively account for 10%, 20%, 70% of the weight of the owner, b2) public vehicle evaluation systems are set for public vehicles to evaluate from two dimensions, company basic conditions, previous credit conditions respectively account for 30%, 70% of the weight of the owner, and (c) model optimization (3) results are adjusted according to new data and adjustment system results are more in actual shortages.
- 3. The evaluation method of the vehicle owner integrated credit rating system according to claim 2, wherein the calculation formula of the evaluation method isWhere D is the composite credit score, n represents each scoring item, piIs a specific score for each scoring item.
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112508711A (en) * | 2020-11-11 | 2021-03-16 | 中国人寿保险股份有限公司 | Automatic claim checking method and related equipment for policy claim settlement |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112508711A (en) * | 2020-11-11 | 2021-03-16 | 中国人寿保险股份有限公司 | Automatic claim checking method and related equipment for policy claim settlement |
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