CN111652736A - Method and device for scoring severe risk products based on factorization rules - Google Patents
Method and device for scoring severe risk products based on factorization rules Download PDFInfo
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- 238000000034 method Methods 0.000 title claims abstract description 10
- 238000013139 quantization Methods 0.000 claims abstract description 19
- 238000007670 refining Methods 0.000 claims abstract description 7
- 238000004364 calculation method Methods 0.000 claims abstract description 5
- 201000010099 disease Diseases 0.000 claims description 54
- 208000037265 diseases, disorders, signs and symptoms Diseases 0.000 claims description 54
- 238000013077 scoring method Methods 0.000 claims description 11
- 208000024891 symptom Diseases 0.000 description 19
- 108010076282 Factor IX Proteins 0.000 description 3
- 108010023321 Factor VII Proteins 0.000 description 3
- 108010054218 Factor VIII Proteins 0.000 description 3
- 102000001690 Factor VIII Human genes 0.000 description 3
- 108010074864 Factor XI Proteins 0.000 description 3
- 108010080865 Factor XII Proteins 0.000 description 3
- 102000000429 Factor XII Human genes 0.000 description 3
- 108010071289 Factor XIII Proteins 0.000 description 3
- 201000011510 cancer Diseases 0.000 description 3
- 238000012986 modification Methods 0.000 description 3
- 230000004048 modification Effects 0.000 description 3
- 208000011580 syndromic disease Diseases 0.000 description 3
- 230000007547 defect Effects 0.000 description 1
- 238000011156 evaluation Methods 0.000 description 1
- 208000024335 physical disease Diseases 0.000 description 1
- 238000011002 quantification Methods 0.000 description 1
- 238000005303 weighing Methods 0.000 description 1
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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Abstract
The invention provides a method and a device for scoring a severe risk product based on factorization rules. The method for scoring the serious illness product based on the factorization rule comprises the following steps: dividing product dimensions: dividing the scoring factors into three dimensions according to the characteristics of the severe risk products; thinning step: refining the scoring factor of each dimension; a factor quantization step: quantifying the scoring factor; weighting and repeating steps: giving factor weight to the quantified scoring factors; scoring: calculating a score for each dimension; a dimension weighting step: weighting the scores of each dimension; a calculation step: and calculating a product score, wherein the scores of the three dimensions are weighted and summed to obtain the product score.
Description
Technical Field
The invention relates to the field of insurance, in particular to a method and a device for grading a serious disease product based on factorization rules.
Background
At present, serious danger products on the market are various in types, large in information quantity and complex in responsibility, so that consumers are difficult to select the products, and in the prior art, various factors such as underwriting information, conditions, rates and the like are comprehensively evaluated without combining the special characteristics of the serious danger products in the insurance field. Therefore, how to integrate the detail information of each heavy disease in each dimension is very practical.
Disclosure of Invention
The invention aims to solve the technical problem of providing a method and a device for grading a serious risk product based on a factorization rule for comprehensively evaluating multiple factors aiming at the defects in the prior art.
According to the invention, the scoring method for the serious disease risk product based on the factorization rule comprises the following steps:
dividing product dimensions: dividing the scoring factors into three dimensions according to the characteristics of the severe risk products;
thinning step: refining the scoring factor of each dimension;
a factor quantization step: quantifying the scoring factor;
weighting and repeating steps: giving factor weight to the quantified scoring factors;
scoring: calculating a score for each dimension;
a dimension weighting step: weighting the scores of each dimension;
a calculation step: and calculating a product score, wherein the scores of the three dimensions are weighted and summed to obtain the product score.
Preferably, the three dimensions are a guarantee range dimension, an underwriting condition dimension, and a rate dimension.
Preferably, the refining step refines the scoring factor according to the dimension of the guarantee range, the dimension of the specific disease, the dimension of the physical disorder, the dimension of the medium symptom and the dimension of the light symptom.
Preferably, the refinement step refines the underwriting dimension into scoring factors in conjunction with the severe risk product morphology.
Preferably, the weight of each scoring factor ranges from [0, 1 ].
Preferably, the sum of the weights of the scoring factors in each dimension is equal to 1.
Preferably, calculating the score for each dimension comprises weighted summing of the scoring factors for each dimension.
Preferably, the weight assigned to each dimension is in the range of [0, 1 ].
A scoring device for the products of the serious illness based on the factorization rule is used for realizing the scoring method for the products of the serious illness based on the factorization rule.
The invention can form a product scoring model based on factorization aiming at insurance products, particularly serious danger products, comprehensively measure the characteristics and advantages of the products from multiple angles, quantitatively give product scores and provide objective and intuitive product scoring for users.
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A more complete understanding of the present invention, and the attendant advantages and features thereof, will be more readily understood by reference to the following detailed description when considered in conjunction with the accompanying drawings wherein:
fig. 1 schematically shows a flow chart of a scoring method for a severe risk product based on factorization rules according to a preferred embodiment of the present invention.
It is to be noted, however, that the appended drawings illustrate rather than limit the invention. It is noted that the drawings representing structures may not be drawn to scale. Also, in the drawings, the same or similar elements are denoted by the same or similar reference numerals.
Detailed Description
In order that the present disclosure may be more clearly and readily understood, reference will now be made in detail to the present disclosure as illustrated in the accompanying drawings.
The invention aims to form a set of factorization rule evaluation method according to the characteristics of different factors of the severe risk products in different dimensions, comprehensively evaluate the severe risk products from multiple angles and score each product. Specifically, the method analyzes the main characteristics and the dimensions of the severe danger products, determines a key scoring factor under each dimension, quantifies the scoring factors, gives the weight of each scoring factor under each dimension and the weight of each dimension in a product scoring model, calculates the score of the dimension comprehensively and finally obtains the score of the product.
Specifically, fig. 1 schematically shows a flow chart of a method for scoring a severe risk product based on factorization rules according to a preferred embodiment of the present invention.
Dividing product dimensions: according to the characteristics of the products with severe risks, the scoring factors are divided into three dimensions,
specifically, the three dimensions are a guarantee range dimension 1, an underwriting condition dimension 2, and a rate dimension 3.
Thinning step: refining the scoring factor of each dimension to obtain a factor 1 and a factor 2 … factor n;
for example, for a guaranteed range dimension of 1: the severe risk products in the market are comprehensively analyzed, the grading factors of the severe risk guarantee range can be refined according to the sub-dimensions of severe diseases, specific diseases, personal problems, intermediate symptoms, mild symptoms and the like, the 32 grading factors are obtained through sorting, and the relevant grading factors under each sub-dimension are the factors 1-32 shown in the following table.
| Factor number | |
| Factor | |
| 1 | Number of serious diseases |
| Factor 2 | Whether or not serious diseases are paid for multiple times |
| Factor 3 | Whether severe disease is grouped or not |
| Factor 4 | Number of serious disease groups |
| Factor 5 | Number of times of administration |
| Factor 6 | Multiple claims of repeat disease |
| Factor 7 | Whether malignant tumors are grouped individually |
| Factor 8 | Exemption premium for serious disease |
| Factor number | Factor name |
| Factor 9 | Whether or not it contains a specific disease |
| Factor 10 | Number of diseases in Special market |
| Factor 11 | Whether or not the disease is specific to children |
| Factor 12 | Number of specific diseases for children |
| Factor 13 | Whether or not it is responsible for itself |
| Factor 14 | Return of life |
| Factor number | Factor name |
| Factor 15 | Whether or not to involve symptoms of middle energizer |
| Factor 16 | Number of intermediate cases |
| Factor 17 | Whether or not to pay for the middle-aged disease |
| Factor 18 | Whether the intermediate symptoms are grouped |
| Factor 19 | Group number of the middle-jiao syndrome |
| Factor 20 | Number of middle-jiao administration |
| Factor 21 | Multiple claims time interval for middle-aged disease |
| Factor 22 | Exemption premium for moderate disease |
| Factor number | Factor name |
| Factor 23 | Mild or mild symptoms |
| Factor 24 | Mild case number |
| Factor 25 | Whether mild symptoms pay for more than one times |
| Factor 26 | Whether the mild symptoms are grouped |
| Factor 27 | Number of groups for mild case |
| Factor 28 | Interval of multiple claims for mild condition |
| Factor 29 | Number of times of administration for mild case |
| Factor 30 | Waiting period (sky) |
| Factor 31 | Mild case ratio |
| Factor 32 | Minor exemption premium |
For example, the underwriting dimension: combining the form of the products of the severe risk, the underwriting conditions of the severe risk are refined into the scoring factors 33-34, which are shown in the following table.
| Factor number | Factor name |
| Factor 33 | Amount of liability exemption clauses |
| Factor 34 | Health advice score |
For example, the rate dimension: rates are key factors in weighing the products at high risk, and the high risk rates are refined to a scoring factor of 35-factor 37, as shown in the following table.
| Factor number | Factor name |
| Factor 35 | Premium standard (Man) |
| Factor 36 | Premium standard (for woman) |
| Factor 37 | Average charge rate for both men and women |
A factor quantization step: quantifying the scoring factor;
the value of a factor generally has two forms, one non-numeric and one numeric.
(1) For factors in non-numerical form, since the result is expressed in words, such as the factor "whether the disease is serious or not, the content is" yes "or" no ", and the factor content needs to be quantified when calculating the score.
(2) For the factors in the form of numerical values, since the dimensions of each factor are not necessarily identical, in order to reduce the influence of different dimensions on the result, the factors need to be quantized uniformly. The rules for quantization are also different in combination with the characteristics of each factor.
Fn are used, for example, to represent factor quantization scores, F1, F2.i1, 2.., 37, representing a factor 1-factor 37 quantization score.
For example, the quantification of the guaranteed range is shown in the following table:
| factor number | Factor name | Quantization |
| Factor | ||
| 1 | Number of serious diseases | F1 |
| Factor 2 | Whether or not serious diseases are paid for multiple times | F2 |
| Factor 3 | Whether severe disease is grouped or not | F3 |
| Factor 4 | Number of serious disease groups | F4 |
| Factor 5 | Number of times of administration | F5 |
| Factor 6 | Multiple claims of repeat disease | F6 |
| Factor 7 | Whether malignant tumors are grouped individually | F7 |
| Factor 8 | Exemption premium for serious disease | F8 |
| Factor number | Factor name | Quantization fraction F |
| Factor 9 | Whether or not it contains a specific disease | F9 |
| Factor 10 | Number of specific diseases | F10 |
| Factor 11 | Whether or not the disease is specific to children | F11 |
| Factor 12 | Number of specific diseases of children | F12 |
| Factor 13 | Whether or not it is responsible for itself | F13 |
| Factor 14 | Return of life | F14 |
| Factor number | Name of factorBalance | Quantization fraction F |
| Factor 15 | Whether or not to involve symptoms of middle energizer | F15 |
| Factor 16 | Number of intermediate cases | F16 |
| Factor 17 | Whether or not to pay for the middle-aged disease | F17 |
| Factor 18 | Whether the intermediate symptoms are grouped | F18 |
| Factor 19 | Group number of the middle-jiao syndrome | F19 |
| Factor 20 | Number of middle-jiao administration | F20 |
| Factor 21 | Multiple claims time interval for middle-aged disease | F21 |
| Factor 22 | Exemption premium for moderate disease | F22 |
| Factor number | Factor name | Quantization fraction F |
| Factor 23 | Mild or mild symptoms | F23 |
| Factor 24 | Mild case number | F24 |
| Factor 25 | Whether mild symptoms pay for more than one times | F25 |
| Factor 26 | Whether the mild symptoms are grouped | F26 |
| Factor 27 | Number of groups for mild case | F27 |
| Factor 28 | Interval of multiple claims for mild condition | F28 |
| Factor 29 | Number of times of administration for mild case | F29 |
| Factor 30 | Waiting period (sky) | F30 |
| Factor 31 | Mild case ratio | F31 |
| Factor 32 | Minor exemption premium | F32 |
For example, the underwriting conditions are shown in the following table:
| factor number | Factor name | Quantization fraction F |
| Factor 33 | Amount of liability exemption clauses | F33 |
| Factor 34 | Health advice score | F34 |
For example, the rates are shown in the following table:
| factor number | Factor name | Quantization fraction F |
| Factor 35 | Premium standard (Man) | F35 |
| Factor 36 | Premium standard (for woman) | F36 |
| Factor 37 | Average charge rate for both men and women | F37 |
Weighting and repeating steps: giving factor weight to the quantified scoring factors;
in each dimension, each factor is given a certain weight according to importance, since each factor has a different role in evaluating the risk species. The factor weight is represented as W i1, 2., 37, representing a factor 1-factor 37 weight. W is not less than 0i≦ 1, and the sum of the factor weights for each dimension equals 1, i.e.:
for example, the weighting of the coverage is shown in the following table:
| factor number | Factor name | Quantization fraction F | |
| Factor | |||
| 1 | Number of serious diseases | F1 | W1 |
| Factor 2 | Whether or not serious diseases are paid for multiple times | F2 | W2 |
| Factor 3 | Whether severe disease is grouped or not | F3 | W3 |
| Factor 4 | Number of serious disease groups | F4 | W4 |
| Factor 5 | Number of times of administration | F5 | W5 |
| Factor 6 | Multiple claims of repeat disease | F6 | W6 |
| Factor 7 | Whether malignant tumors are grouped individually | F7 | W7 |
| Factor 8 | Exemption premium for serious disease | F8 | W8 |
| Factor number | Factor name | Quantization fraction F | Weight W |
| Factor 9 | Whether or not it contains a specific disease | F9 | W9 |
| Factor 10 | Number of specific diseases | F10 | W10 |
| Factor 11 | Whether or not the disease is specific to children | F11 | W11 |
| Factor 12 | Number of specific diseases of children | F12 | W12 |
| Factor 13 | Whether or not it is responsible for itself | F13 | W13 |
| Factor 14 | Return of life | F14 | W14 |
| Factor number | Factor name | Quantization fraction F | Weight W |
| Factor 15 | Whether or not to involve symptoms of middle energizer | F15 | W15 |
| Factor 16 | Number of intermediate cases | F16 | W16 |
| Factor 17 | Whether or not to pay for the middle-aged disease | F17 | W17 |
| Factor 18 | Whether the intermediate symptoms are grouped | F18 | W18 |
| Factor 19 | Group number of the middle-jiao syndrome | F19 | W19 |
| Factor 20 | Number of middle-jiao administration | F20 | W20 |
| Factor 21 | Multiple claims time interval for middle-aged disease | F21 | W21 |
| Factor 22 | Exemption premium for moderate disease | F22 | W22 |
| Factor number | Factor name | Quantization fraction F | Weight W |
| Factor 23 | Mild or mild symptoms | F23 | W23 |
| Factor 24 | Mild case number | F24 | W24 |
| Factor 25 | Whether mild symptoms pay for more than one times | F25 | W25 |
| Factor 26 | Whether the mild symptoms are grouped | F26 | W26 |
| Factor 27 | Number of groups for mild case | F27 | W27 |
| Factor 28 | Interval of multiple claims for mild condition | F28 | W28 |
| Factor 29 | Number of times of administration for mild case | F29 | W29 |
| Factor 30 | Waiting period (sky) | F30 | W30 |
| Factor 31 | Mild case ratio | F31 | W31 |
| Factor 32 | Minor exemption premium | F32 | W32 |
For example, the weighting of the underwriting conditions is shown in the following table:
| factor number | Factor name | Quantization fraction F | Weight W |
| Factor 33 | Amount of liability exemption clauses | F33 | W33 |
| Factor 34 | Health advice score | F34 | W34 |
For example, the weighting of the rates is shown in the following table:
| factor number | Factor name | Quantization fraction F | Weight W |
| Factor 35 | Premium standard (Man) | F35 | W35 |
| Factor 36 | Premium standard (for woman) | F36 | W36 |
| Factor 37 | Average charge rate for both men and women | F37 | W37 |
Scoring: calculating a score for each dimension;
specifically, for example, let B1, B2, B3 represent scores for each dimension, the calculation method is as follows:
a dimension weighting step: weighting the scores of each dimension (V1, V2, and V3);
according to the importance of each dimension in the product score, different weights are given, and V is the weight of each dimension1，V2，V3，0≤Vj≤1。
A calculation step: and calculating a product score, wherein the scores of the three dimensions are weighted and summed to obtain the product score.
And calculating a product score by combining the dimension score B and the dimension weight V:
according to another preferred embodiment of the present invention, there is also provided a scoring device for severe risk products based on factorization rules, which is used for implementing the scoring method for severe risk products based on factorization rules.
It should be noted that the terms "first", "second", "third", and the like in the description are used for distinguishing various components, elements, steps, and the like in the description, and are not used for indicating a logical relationship or a sequential relationship between the various components, elements, steps, and the like, unless otherwise specified.
It is to be understood that while the present invention has been described in conjunction with the preferred embodiments thereof, it is not intended to limit the invention to those embodiments. It will be apparent to those skilled in the art from this disclosure that many changes and modifications can be made, or equivalents modified, in the embodiments of the invention without departing from the scope of the invention. Therefore, any simple modification, equivalent change and modification made to the above embodiments according to the technical essence of the present invention are still within the scope of the protection of the technical solution of the present invention, unless the contents of the technical solution of the present invention are departed.
Claims (9)
1. A scoring method for a serious disease product based on factorization rules is characterized by comprising the following steps:
dividing product dimensions: dividing the scoring factors into three dimensions according to the characteristics of the severe risk products;
thinning step: refining the scoring factor of each dimension;
a factor quantization step: quantifying the scoring factor;
weighting and repeating steps: giving factor weight to the quantified scoring factors;
scoring: calculating a score for each dimension;
a dimension weighting step: weighting the scores of each dimension;
a calculation step: and calculating a product score, wherein the scores of the three dimensions are weighted and summed to obtain the product score.
2. The factorized rule based scoring method for severe risk products of claim 1, wherein the three dimensions are a coverage dimension, an underwriting condition dimension, and a rate dimension.
3. The method for scoring for severe disease risk products according to claim 1 or 2, wherein the refining step refines the scoring factor according to the severe disease sub-dimension, the specific disease sub-dimension, the physical sub-dimension, the moderate disease sub-dimension, and the mild disease sub-dimension.
4. The factorized rule based score method for a severe risk product of claim 1 or 2, wherein the refining step refines the underwriting dimension into a scoring factor in combination with the morphology of the severe risk product.
5. The factorized rule based scoring method for products at severe risk according to claim 1 or 2, wherein the weight of each scoring factor is in the range of [0, 1 ].
6. The factorized rule based scoring method for products for severe illness according to claim 1 or 2, wherein the sum of the weights of the scoring factors in each dimension is equal to 1.
7. The factorized rule based scoring method for products for severe illness risk of claim 1 or 2, wherein calculating a score for each dimension comprises weighted summation of scoring factors for each dimension.
8. The factorized rule based scoring method for products at severe risk according to claim 1 or 2, wherein the weight assigned to each dimension is in a range of [0, 1 ].
9. A scoring device for a serious disease product based on factorization rules, which is characterized by being used for realizing the scoring method for a serious disease product based on factorization rules according to one of claims 1 to 8.
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Application publication date: 20200911 |