CN112488851A

CN112488851A - Method and device for automatically generating salesman grade and electronic equipment

Info

Publication number: CN112488851A
Application number: CN202011312392.7A
Authority: CN
Inventors: 周华强; 朱涛; 丁少正; 于高升; 杨轲
Original assignee: China Life Insurance Co Ltd China
Current assignee: China Life Insurance Co Ltd China
Priority date: 2020-11-20
Filing date: 2020-11-20
Publication date: 2021-03-12

Abstract

The embodiment of the specification provides a method, a device and electronic equipment for automatically generating a salesman grade, which can effectively control the uniform standard, are high in execution efficiency and have strong adaptability. The method comprises the steps of obtaining work record data of all salesmen and creating a real-time updated rating database; calculating the work attribute data of corresponding salespeople by using the work record data in the rating database according to the rating execution period; according to the work attribute data, carrying out grade judgment on the salesman by using salesman grade identification conditions, and determining the service grade of the salesman to store into the rating database; and updating the salesman grade information of the automatic underwriting platform. The device comprises: the system comprises a work recording module, a work attribute module, a service rating module and a rating updating module. The electronic device includes a memory, a processor, and a computer program stored on the memory and executable on the processor to implement a method of automatically generating a salesman grade.

Description

Method and device for automatically generating salesman grade and electronic equipment

Technical Field

One or more embodiments of the present disclosure relate to the technical field of attribute data processing, and in particular, to a method, an apparatus, and an electronic device for automatically generating a salesman rating.

Background

With the continuous development and progress of science and technology and the continuous improvement of the living standard of people, the requirements of people on the quality of life are also continuously improved, the insurance awareness is also continuously enhanced, and more people can prevent risks by purchasing insurance.

In order to improve the service quality of the insurance service industry and improve the enterprise competitiveness, the differentiation underwriting rules of the salespersons are adopted and implemented, and the main concern lies in rating and distinguishing the salespersons. At present, the grading of salesmen depends on the deployment of a main company, the specific evaluation of branch companies, the data of grading basis is not uniform, the standard cannot be effectively controlled, and the execution efficiency of a grading method is low, so that the grading results of the salesmen are different, the applicability is poor, and the high-quality development of the insurance service business of the company is difficult to effectively promote.

Disclosure of Invention

In view of this, one or more embodiments of the present disclosure are directed to a method, an apparatus, and an electronic device for automatically generating a salesman grade, so as to solve the problems of non-uniform standards and poor applicability of the existing rating methods.

In view of the above, one or more embodiments of the present specification provide a method of automatically generating a salesman grade, comprising:

acquiring work record data of all salesmen, creating a rating database according to the work record data, and updating the rating database in real time;

calculating the work attribute data of corresponding salespeople by using the work record data in the rating database according to the rating execution period;

according to the work attribute data, carrying out grade judgment on the salesman by using salesman grade identification conditions, determining the service grade of the salesman, and storing the service grade into the rating database;

and updating the salesman grade information of the automatic underwriting platform according to the grade database.

Optionally, the work record data includes salesman occupational information data, insurance business process data and administrative management data;

the insurance business process data comprises early-stage insurance policy data, middle-stage insurance verification result data and later-stage state tracking data of unit business.

Optionally, the updating the rating database in real time includes:

when the work record data of the salesperson changes, acquiring new work record data;

and storing the original work record data and the time when the work record data changes and the new work record data into the rating database.

Optionally, the calculating work attribute data of the corresponding salesman by using the work record data in the rating database includes:

determining the data of the working years of the salesman according to the salesman occupational information data;

determining new single commission data of the salesperson according to the early-stage insurance policy data;

determining the customer information accuracy of the salesman according to the mid-term application insurance verification result data;

determining the business insurance data and the comprehensive persistence rate of the salesman according to the later state tracking data;

determining violation and violation data of the salesman according to the administrative data;

the job attribute data includes the enrollment age data, the new single commission data, the customer information accuracy, the business venture data, the aggregate duration, and the violation violations data.

Optionally, the determining the grade of the salesman by using the salesman grade certification condition according to the work attribute data includes:

if the customer information accuracy of the salesman is lower than a preset accuracy threshold value, or the salesman is determined to have violation discipline within the administrative tracing time limit according to the violation discipline data, the service level of the salesman is the first level;

further grade judgment is carried out on the salespersons of which the customer information accuracy is not lower than the accuracy threshold and no violation discipline exists in the administrative tracing period, and the grade judgment comprises the following steps:

if the service entering age of the salesman is not lower than a fourth job-providing age threshold, the new single commission is not lower than a fourth commission threshold, the comprehensive duration rate is not lower than a second duration threshold, and the condition that no risk exists in a second service tracing time limit is determined according to the service risk data, the service level of the salesman is a fifth level;

if the service entering age limit of the salesman is not lower than a third supply age limit threshold, the new single commission is not lower than a third commission threshold, the comprehensive duration rate is not lower than a second duration threshold, and the condition that no risk exists in a second service tracing time limit is determined according to the service risk data, the service level of the salesman is a fourth level;

if the service entering age limit of the salesman is not lower than a second service supply age limit threshold, the new single commission is not lower than a second commission threshold, the comprehensive duration rate is not lower than a first duration threshold, and the condition that no insurance exists in a first service tracing time limit is determined according to the service insurance data, the service level of the salesman is a third level;

and if the service entering age of the salesman is not lower than a first supply age threshold, the new single commission is not lower than a first commission threshold, the comprehensive duration rate is not lower than a first duration threshold, and the condition that no risk exists in a first service tracing time limit is determined according to the service risk data, the service level of the salesman is the first level.

Optionally, the method for automatically generating a salesman grade further comprises:

if the service insurance rate of the corresponding salesman is determined to be higher than the insurance risk threshold according to the service insurance data, the service level of the salesman is a special level;

and if the administrative penalty score of the corresponding salesman is determined to be higher than a penalty risk threshold according to the violation discipline data, the service level of the salesman is a special level.

Optionally, the salesman grade information of the automatic underwriting platform is updated according to the grade database, including

Determining the latest query time according to the information query period of the automatic underwriting platform;

determining a latest rating time according to the rating execution period;

comparing the latest rating time with the latest query time, and if the latest rating time is later than the latest query time, updating the salesman grade information;

the salesman grade information is stored in a grade information table;

when the salesman grade information is updated, transferring the data in the grade information table to a historical grade information table, and emptying the grade information table;

and recording the service grade corresponding to the latest rating time in the rating database into the grade information table.

In view of the above, one or more embodiments of the present specification provide an apparatus for automatically generating a salesman grade, comprising:

the work record module is configured to acquire work record data of all salesmen, create a rating database according to the work record data and update the rating database in real time;

a work attribute module configured to calculate work attribute data of a corresponding salesperson using the work record data in the rating database according to a rating execution period;

the service rating module is configured to perform grade judgment on the salesperson by utilizing salesperson grade determination conditions according to the work attribute data, determine the service grade of the salesperson and store the service grade into the rating database;

and the rating updating module is configured to update the salesman grade information of the automatic underwriting platform according to the rating database.

In view of the above, one or more embodiments of the present specification provide an electronic device for automatically generating salesman grades, comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the following method when executing the program:

As can be seen from the above, in the method, the apparatus, and the electronic device for automatically generating the salesman grade provided in one or more embodiments of the present specification, a real-time updated rating database is established by obtaining the work record data of all salesmen, valuable work attribute data contained in the work record data is mined, the salesmen is subjected to grade evaluation by using a unified refinement standard, and a rating result is updated and utilized in an automatic underwriting platform.

Drawings

In order to more clearly illustrate one or more embodiments or prior art solutions of the present specification, the drawings that are needed in the description of the embodiments or prior art will be briefly described below, and it is obvious that the drawings in the following description are only one or more embodiments of the present specification, and that other drawings may be obtained by those skilled in the art without inventive effort from these drawings.

FIG. 1 is a schematic diagram of a method for automatically generating a salesman grade according to one or more embodiments of the present disclosure;

FIG. 2 is a diagram illustrating a method for updating salesman grade information of an automated underwriting platform in a method for automatically generating salesman grades according to one or more embodiments of the present specification;

FIG. 3 is a schematic diagram of an apparatus for automatically generating a salesman grade according to one or more embodiments of the present disclosure;

FIG. 4 is a schematic diagram of an electronic device for automatically generating a salesperson rating provided by one or more embodiments of the present disclosure.

Detailed Description

For the purpose of promoting a better understanding of the objects, aspects and advantages of the present disclosure, reference is made to the following detailed description taken in conjunction with the accompanying drawings.

It is to be noted that unless otherwise defined, technical or scientific terms used in one or more embodiments of the present specification should have the ordinary meaning as understood by those of ordinary skill in the art to which this disclosure belongs. The use of "first," "second," and similar terms in one or more embodiments of the specification is not intended to indicate any order, quantity, or importance, but rather is used to distinguish one element from another. The word "comprising" or "comprises", and the like, means that the element or item listed before the word covers the element or item listed after the word and its equivalents, but does not exclude other elements or items. The terms "connected" or "coupled" and the like are not restricted to physical or mechanical connections, but may include electrical connections, whether direct or indirect. "upper", "lower", "left", "right", and the like are used merely to indicate relative positional relationships, and when the absolute position of the object being described is changed, the relative positional relationships may also be changed accordingly.

In one aspect, embodiments of the present specification provide a method for automatically generating a salesman grade.

As shown in fig. 1, one or more embodiments of the present specification provide a method of automatically generating a salesman grade, comprising:

s1: acquiring work record data of all salesmen, creating a rating database according to the work record data, and updating the rating database in real time;

s2: calculating the work attribute data of corresponding salespeople by using the work record data in the rating database according to the rating execution period;

s3: according to the work attribute data, carrying out grade judgment on the salesman by using salesman grade identification conditions, determining the service grade of the salesman, and storing the service grade into the rating database;

s4: and updating the salesman grade information of the automatic underwriting platform according to the grade database.

The method for automatically generating the grades of the salesmen comprises the steps of establishing a real-time updated rating database by acquiring the work record data of all the salesmen, mining valuable work attribute data contained in the work record data, performing grade evaluation on the salesmen by adopting a unified refinement standard, updating and utilizing a rating result to an automatic underwriting platform, uniformly collecting data according to the rating by adopting the mode, effectively controlling the rating standard, having high-efficiency and high applicability in method execution, and effectively promoting the high-quality development of insurance service business.

In one or more embodiments of the present disclosure, a method for automatically generating a salesman grade is provided, where the work record data includes salesman occupational information data, insurance business process data, and administrative data;

The salesman occupational information data can include occupational relevant information such as identity information, time of employment, regions of responsibility and the like of the salesman, and the administrative management data refers to administrative relationship record information related to the salesman in the working process, such as leadership evaluation information, evaluation and award information or violation breaking and penalty record and the like aiming at the salesman;

in the insurance business process data, the early-stage insurance policy data refers to data information provided by a client when submitting an insurance policy, and can comprise insurance policy basic information, insurance applicant information, insured person information, beneficiary information, selected dangerous species information and the like; the medium-term application insurance verification result data refers to result data after auditing and evaluating the early-term application insurance policy data, for example, the result may be standard body insurance acceptance, conditional insurance acceptance, refusal insurance and the like; the later state tracking data refers to the insurance state after the earlier insurance policy data passes verification and is issued, for example, the client can have an insurance case in the insurance period of the target insurance policy to be applied and needs to settle a claim, or the client state is always normal and does not need to settle a claim in the insurance period.

In a method of automatically generating a salesman rating provided in one or more embodiments of the present specification, said updating said ratings database in real time comprises:

In the method for automatically generating the salesman grades, when the grading database is updated in real time, new work record data does not cover original work record data, but new data is added on the basis of the original data, so that the previous work record data is always kept, and the system can be traced when a fault occurs later or the work condition of a specific salesman or a specific time period needs to be audited.

In one or more embodiments of the present specification, a method for automatically generating a salesman grade is provided, where the calculating work attribute data of a corresponding salesman using the work record data in the rating database includes:

determining the time limit data of the salespersons to enter the job according to the salesperson occupation information data, for example, determining the working time of the corresponding salesperson to be five years after entering the job according to the salesperson occupation information data;

determining new single commission data of the salesperson according to the previous insurance policy data, wherein the new single commission data refers to direct commissions or commission fees of the salesperson for providing various dangerous services including main insurance, additional insurance, short-term insurance and the like for the salesperson to the customers;

determining the customer information accuracy of the salesman according to the mid-term application verification result data, wherein the customer information accuracy comprises the integrity and accuracy of the customer key information determined according to the mid-term application verification result data;

and determining the service insurance data and the comprehensive continuous rate of the salesman according to the later state tracking data, wherein the service insurance rate is the probability of the dangerous situation of the client in the insurance service for which the salesman is responsible within a certain time period.

Determining violation and discipline data of the salesman according to the administrative data, for example, auditing the salesman according to the administrative data and a credit evaluation standard to determine that the salesman has credit violation;

In one or more embodiments of the present specification, in a method for automatically generating a salesperson grade, the grade determining the salesperson using a salesperson grade approval condition according to the work attribute data, and determining the service grade of the salesperson includes:

in some optional embodiments, the preset correct threshold is 100%, that is, as long as there is an error in the customer information in the insurance service business of the salesperson, for example, the key information is incomplete or inaccurate, the service level of the salesperson is the first level, it should be understood that the preset correct threshold can be flexibly adjusted according to the actual situation, for example, the preset correct threshold can be slightly lowered to a lower level, for example, 95% at the initial stage of the execution of the method, and then gradually raised as the method is further executed.

and if the service entering age of the salesman is not lower than a first supply age threshold, the new single commission is not lower than a first commission threshold, the comprehensive duration rate is not lower than a first duration threshold, and the condition that no risk exists in a first service tracing time limit is determined according to the service risk data, the service level of the salesman is in a second level.

And if the second-level to fifth-level judgment is not met, judging the service level of the salesman as the first level for the salesman with the customer information accuracy lower than a preset accuracy threshold and without illegal and discipline behaviors in the administrative tracing period.

The salesman level identification condition is described below by way of example, mainly for salesman whose customer information accuracy is lower than a preset accuracy threshold and who has no illegal discipline within the administrative traceability period, as shown in table 1 below:

TABLE 1

The certification condition example as given in table 1 above, in which the fourth occupational year threshold value to the first occupational year threshold value are set to 5 years, 4 years, 3 years, and 2 years in this order; setting 20 ten thousand, 15 ten thousand, 10 ten thousand and 5 ten thousand in order from the fourth commission threshold to the first commission threshold, and the corresponding addition time limit, the corresponding time limit for the salesperson with a shorter service life, also decreases; the second persistence threshold and the first persistence threshold are 90% and 85%, respectively; the second service tracing time limit and the first service tracing time limit are respectively 3 years and 2 years.

One or more embodiments of the present specification provide a method for automatically generating a salesman grade, further comprising:

for example, when the rate of occurrence of the serious danger business for the salesperson is more than 2% in the last two years, it indicates that there is a high possibility of serious problem in the insurance service work of the salesperson, the salesperson is rated as a special grade, and the risk threshold of occurrence is set to be 2% for the serious danger; and for example, when the rate of occurrence of the medical insurance business for which the salesperson is responsible is more than 50% in the last two years or the number of occurrences per year is more than 10, the salesperson is rated as a special grade;

if the administrative penalty score of the corresponding salesman is determined to be higher than a penalty risk threshold according to the violation discipline data, the service level of the salesman is a special level;

in addition to the special ratings determined from the insurance business, the administrative needs to be audited, for example, if the sales force's violation discount is greater than or equal to 6 minutes, the sales force is rated as a special rating, wherein the violation discount can be determined according to the marketing force credit rating standard and the administrative data of the sales force.

As shown in fig. 2, in a method for automatically generating a salesman grade according to one or more embodiments of the present specification, updating salesman grade information of an automated underwriting platform according to the rating database includes:

s201: determining the latest query time according to the information query period of the automatic underwriting platform;

s202: determining a latest rating time according to the rating execution period;

in some alternative embodiments, the rating execution period is half a year, and the rating may be set to be performed every 1 month and 10 days and 7 months and 10 days, or the rating time may be temporarily set;

the information query period of the automatic underwriting platform is generally set to be queried once a day;

s203: comparing the latest rating time with the latest query time, and if the latest rating time is later than the latest query time, updating the salesman grade information;

the salesman grade information is stored in a grade information table;

s204: when the salesman grade information is updated, transferring the data in the grade information table to a historical grade information table, and emptying the grade information table;

s205: and recording the service grade corresponding to the latest rating time in the rating database into the grade information table.

In an actual working scene, determining the service level of the salesman for checking and auditing a new insurance policy in the automatic insurance verification platform, wherein only the latest rating result has use significance during the checking and auditing of the insurance policy, so that in the method for automatically generating the salesman level, by comparing the latest query time and the latest rating time of the automatic insurance verification platform, if the latest rating time is later than the latest query time, the salesman rating is executed after the last query, and at the moment, the salesman level information is also updated in the automatic insurance verification platform.

It should be noted that the method of one or more embodiments of the present disclosure may be performed by a single device, such as a computer or server. The method of the embodiment can also be applied to a distributed scene and completed by the mutual cooperation of a plurality of devices. In such a distributed scenario, one of the devices may perform only one or more steps of the method of one or more embodiments of the present disclosure, and the devices may interact with each other to complete the method.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

Based on the same inventive concept, corresponding to the method of any embodiment, the embodiment of the specification further provides a device for automatically generating the salesman grade.

As shown in fig. 3, one or more embodiments of the present specification provide an apparatus for automatically generating a salesman grade, comprising:

the work record module 1 is configured to acquire work record data of all salesmen, create a rating database according to the work record data, and update the rating database in real time;

a work attribute module 2 configured to calculate work attribute data of a corresponding salesman using the work record data in the rating database according to a rating execution period;

the service rating module 3 is configured to perform rating judgment on the salesperson by using salesperson rating conditions according to the work attribute data, determine the service level of the salesperson, and store the service level into the rating database;

and the rating updating module 4 is configured to update the salesman grade information of the automatic underwriting platform according to the rating database.

For convenience of description, the above devices are described as being divided into various modules by functions, and are described separately. Of course, the functionality of the modules may be implemented in the same one or more software and/or hardware implementations in implementing one or more embodiments of the present description.

The apparatus of the foregoing embodiment is used to implement the corresponding method in the foregoing embodiment, and has the beneficial effects of the corresponding method embodiment, which are not described herein again.

Based on the same inventive concept, corresponding to any of the above-mentioned embodiments, the embodiments of the present specification further provide an electronic device for automatically generating a salesman grade, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and when the processor executes the program, the processor implements any of the above-mentioned methods for automatically generating a salesman grade.

Fig. 4 is a schematic diagram illustrating a more specific hardware structure of an electronic device according to this embodiment, where the electronic device may include: a processor 1010, a memory 1020, an input/output interface 1030, a communication interface 1040, and a bus 1050. Wherein the processor 1010, memory 1020, input/output interface 1030, and communication interface 1040 are communicatively coupled to each other within the device via bus 1050.

The processor 1010 may be implemented by a general-purpose CPU (Central Processing Unit), a microprocessor, an Application Specific Integrated Circuit (ASIC), or one or more Integrated circuits, and is configured to execute related programs to implement the technical solutions provided in the embodiments of the present disclosure.

The Memory 1020 may be implemented in the form of a ROM (Read Only Memory), a RAM (Random Access Memory), a static storage device, a dynamic storage device, or the like. The memory 1020 may store an operating system and other application programs, and when the technical solution provided by the embodiments of the present specification is implemented by software or firmware, the relevant program codes are stored in the memory 1020 and called to be executed by the processor 1010.

The input/output interface 1030 is used for connecting an input/output module to input and output information. The i/o module may be configured as a component in a device (not shown) or may be external to the device to provide a corresponding function. The input devices may include a keyboard, a mouse, a touch screen, a microphone, various sensors, etc., and the output devices may include a display, a speaker, a vibrator, an indicator light, etc.

The communication interface 1040 is used for connecting a communication module (not shown in the drawings) to implement communication interaction between the present apparatus and other apparatuses. The communication module can realize communication in a wired mode (such as USB, network cable and the like) and also can realize communication in a wireless mode (such as mobile network, WIFI, Bluetooth and the like).

Bus 1050 includes a path that transfers information between various components of the device, such as processor 1010, memory 1020, input/output interface 1030, and communication interface 1040.

It should be noted that although the above-mentioned device only shows the processor 1010, the memory 1020, the input/output interface 1030, the communication interface 1040 and the bus 1050, in a specific implementation, the device may also include other components necessary for normal operation. In addition, those skilled in the art will appreciate that the above-described apparatus may also include only those components necessary to implement the embodiments of the present description, and not necessarily all of the components shown in the figures.

The electronic device of the foregoing embodiment is used for implementing the corresponding method for automatically generating the salesman grade in any one of the foregoing embodiments, and has the beneficial effects of the corresponding method embodiment, which are not described herein again.

Those of ordinary skill in the art will understand that: the discussion of any embodiment above is meant to be exemplary only, and is not intended to intimate that the scope of the disclosure, including the claims, is limited to these examples; within the spirit of the present disclosure, features from the above embodiments or from different embodiments may also be combined, steps may be implemented in any order, and there are many other variations of different aspects of one or more embodiments of the present description as described above, which are not provided in detail for the sake of brevity.

In addition, well-known power/ground connections to Integrated Circuit (IC) chips and other components may or may not be shown in the provided figures, for simplicity of illustration and discussion, and so as not to obscure one or more embodiments of the disclosure. Furthermore, devices may be shown in block diagram form in order to avoid obscuring the understanding of one or more embodiments of the present description, and this also takes into account the fact that specifics with respect to implementation of such block diagram devices are highly dependent upon the platform within which the one or more embodiments of the present description are to be implemented (i.e., specifics should be well within purview of one skilled in the art). Where specific details (e.g., circuits) are set forth in order to describe example embodiments of the disclosure, it should be apparent to one skilled in the art that one or more embodiments of the disclosure can be practiced without, or with variation of, these specific details. Accordingly, the description is to be regarded as illustrative instead of restrictive.

While the present disclosure has been described in conjunction with specific embodiments thereof, many alternatives, modifications, and variations of these embodiments will be apparent to those of ordinary skill in the art in light of the foregoing description. For example, other memory architectures (e.g., dynamic ram (dram)) may use the discussed embodiments.

It is intended that the one or more embodiments of the present specification embrace all such alternatives, modifications and variations as fall within the broad scope of the appended claims. Therefore, any omissions, modifications, substitutions, improvements, and the like that may be made without departing from the spirit and principles of one or more embodiments of the present disclosure are intended to be included within the scope of the present disclosure.

Claims

1. A method for automatically generating a salesperson rating, comprising:

2. The method of claim 1, wherein the work record data includes salesman occupational information data, insurance business process data, and administrative data;

3. The method of claim 1, wherein the updating the ratings database in real-time comprises:

4. The method of claim 2, wherein said calculating work attribute data for a respective salesperson using said work record data in said ratings database comprises:

5. The method of claim 4, wherein determining the sales force service level by rating the sales force using a sales force rating condition based on the job attribute data comprises:

6. The method of claim 4, further comprising:

7. The method of claim 1, wherein updating the salesman rating information for the automated underwriting platform based on the rating database comprises

determining a latest rating time according to the rating execution period;

the salesman grade information is stored in a grade information table;

8. An apparatus for automatically generating a salesperson rating, comprising:

9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method according to any of claims 1 to 7 when executing the program.