WO2019127823A1 - 保险费用评估方法、装置、终端设备及存储介质 - Google Patents

保险费用评估方法、装置、终端设备及存储介质 Download PDF

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Publication number
WO2019127823A1
WO2019127823A1 PCT/CN2018/074665 CN2018074665W WO2019127823A1 WO 2019127823 A1 WO2019127823 A1 WO 2019127823A1 CN 2018074665 W CN2018074665 W CN 2018074665W WO 2019127823 A1 WO2019127823 A1 WO 2019127823A1
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WIPO (PCT)
Prior art keywords
data
index information
index
geographic
premium
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PCT/CN2018/074665
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English (en)
French (fr)
Inventor
霍丽
彭冲
蒋丽芳
周罗
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平安科技（深圳）有限公司
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Publication of WO2019127823A1 publication Critical patent/WO2019127823A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G06Q10/063—Operations research, analysis or management
    • G06Q10/0639—Performance analysis of employees; Performance analysis of enterprise or organisation operations
    • G06Q10/06393—Score-carding, benchmarking or key performance indicator [KPI] analysis
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/29—Geographical information databases
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/90—Details of database functions independent of the retrieved data types
    • G06F16/95—Retrieval from the web
    • G06F16/953—Querying, e.g. by the use of web search engines
    • G06F16/9537—Spatial or temporal dependent retrieval, e.g. spatiotemporal queries
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q40/08—Insurance

Definitions

  • the present application relates to the field of data processing, and in particular, to an insurance cost evaluation method, apparatus, terminal device, and storage medium.
  • Insurance costs are related to the characteristics of channels, institutions and positions.
  • the existing premium fee assessment process usually adopts the manual entry method, specifically through the manual entry of insurance costs, and the labor risk is comprehensively evaluated according to different channels, institutions and positions. This process is time consuming and inaccurate.
  • the embodiment of the present application provides a method, an apparatus, a terminal device, and a storage medium for evaluating an insurance cost, so as to solve the problem that the existing insurance cost evaluation method is time-consuming and inaccurate.
  • an embodiment of the present application provides a method for evaluating an insurance fee, including:
  • the premium inquiry instruction includes index information and an evaluation indicator
  • premium operation data corresponding to the index information, where the premium operation data includes revenue data, human data, and cost data;
  • an insurance cost evaluation apparatus including:
  • a premium inquiry instruction acquisition module configured to obtain a premium inquiry instruction, where the premium inquiry instruction includes index information and an evaluation indicator;
  • a premium operation data acquisition module configured to acquire premium operation data corresponding to the index information based on the index information, where the premium operation data includes revenue data, human data, and cost data;
  • An index calculation formula obtaining module configured to acquire an index calculation formula corresponding to the evaluation index based on the evaluation index, where the index calculation formula includes at least two calculation parameters;
  • a parameter value obtaining module configured to acquire parameter values corresponding to at least two of the calculation parameters from the revenue data, the human data, and the cost data;
  • a target indicator value obtaining module configured to substitute at least two parameter values corresponding to the calculation parameters into the index calculation formula to obtain a target index value corresponding to the evaluation index.
  • an embodiment of the present application provides a terminal device, including a memory, a processor, and computer readable instructions stored in the memory and executable on the processor, where the processor executes the computer The following steps are implemented when reading the instruction:
  • the premium inquiry instruction includes index information and an evaluation indicator
  • premium operation data corresponding to the index information, where the premium operation data includes revenue data, human data, and cost data;
  • an embodiment of the present application provides a computer readable storage medium, where the computer readable storage medium stores computer readable instructions, and when the computer readable instructions are executed by a processor, the following steps are implemented:
  • the premium inquiry instruction includes index information and an evaluation indicator
  • premium operation data corresponding to the index information, where the premium operation data includes revenue data, human data, and cost data;
  • the premium operation data can be quickly obtained according to the index information of the premium inquiry instruction, and the corresponding index calculation formula is quickly obtained according to the evaluation index in the premium inquiry instruction. Then, the parameter value corresponding to the parameter index in the index calculation formula is obtained from the income data, the labor data and the cost data in the premium operation data, and the parameter value is substituted into the index calculation formula to calculate, and the target index value is obtained.
  • the acquisition process of the target index value is simple and convenient, and the corresponding more accurate target index value can be quickly obtained through the premium inquiry instruction, which can effectively improve the efficiency and accuracy of the insurance cost assessment.
  • 1 is a flow chart of a method for evaluating an insurance fee in the first embodiment.
  • FIG. 2 is a flowchart of step S60 of the insurance fee evaluation method in the first embodiment.
  • 3 is another flow chart of the insurance fee evaluation method in the first embodiment.
  • Fig. 5 is a schematic block diagram of the insurance cost estimating apparatus in the second embodiment.
  • Figure 6 is a schematic diagram of a terminal device in Embodiment 4.
  • Fig. 1 is a flow chart showing the method of evaluating the insurance fee in the embodiment.
  • the insurance cost assessment method is applied to the insurance expense management system (received as the premium system), which is installed on the terminal equipment of the insurance company or other companies related to the insurance business to improve the efficiency and accuracy of the insurance cost assessment.
  • the insurance cost evaluation method includes the following steps:
  • the premium inquiry instruction refers to the instruction for inquiring the insurance cost data.
  • the insurance cost data is based on data generated by the insurance business.
  • Index information is an index that is used to speed up the retrieval of insurance cost data.
  • an index is a storage structure that sorts data of one or more columns in a database table, and is a collection of data of one column or columns in a data table and data points to data pages corresponding to physical identifiers in the data table.
  • the list of logical pointers, index information can speed up the retrieval of data.
  • the evaluation indicator is an indicator of the insurance cost data to be evaluated.
  • the evaluation indicators include, but are not limited to, the proportion of revenue and expenditure, capacity, cost rate, and labor share.
  • S20 Obtain premium operation data corresponding to the index information based on the index information, where the premium operation data includes revenue data, human data, and cost data.
  • the premium operation data refers to all the insurance cost data generated during the operation of the insurance business.
  • the income data refers to all the data related to the income.
  • the data refers specifically to the data related to the income of the insurance business, such as the insurance premium paid by the customer for insurance purchase or the insurance premium paid by the insurance company to the customer.
  • Human data refers to all human-related data, such as the number of business personnel in an insurance company, the job position of each business person, and labor costs.
  • Cost data refers to cost-related data other than labor costs, such as terminal equipment and servers.
  • the income data, the human data and the cost data can be divided into specific data values according to the internal organization of the insurance company, and the insurance operation data corresponding to each institution carries the organization ID, and the institution ID is used for uniquely identifying the insurance company.
  • the logo of each agency Due to the hierarchical management of the internal organization of insurance companies, such as the division of provincial and municipal branches according to the administrative region, there are several municipal branches under the jurisdiction of the provincial sub-institutions, and the insurance operation data formed between the various agencies may overlap.
  • the sub-institutional premium operating data is a summary of several municipal sub-institutions.
  • the organization ID can be set up to match the organization's hierarchical management.
  • the mechanism ID and the organization area identifier may be consistent to implement the organization ID hierarchical configuration.
  • the regional identifier and the organization ID of the provincial branch are both A01, and the corresponding regional identifier and organization of the municipal branch.
  • the ID is A01-a01.
  • the index information is associated with the organization ID, so as to quickly find the premium management data corresponding to the associated index information based on the corresponding organization ID.
  • S30 Acquire an index calculation formula corresponding to the evaluation index based on the evaluation index, and the indicator calculation formula includes at least two calculation parameters.
  • the index calculation formula is a formula for calculating the insurance cost data to obtain the value corresponding to a certain index.
  • the calculation parameter is the parameter used in the calculation formula of the index to calculate a certain indicator.
  • Each index calculation formula includes at least two calculation parameters and an operation manner of performing operations on at least two calculation parameters, including but not limited to addition, subtraction, multiplication, and division.
  • the premium system pre-stores a calculation formula query table, where the calculation formula query table stores at least one indicator calculation formula, and each index calculation formula corresponds to an evaluation index. After obtaining the premium inquiry instruction, the premium system obtains the index calculation formula corresponding to the evaluation index based on the evaluation index therein, so as to calculate the specific value of the evaluation index based on the calculation formula of the indicator.
  • the calculation parameters to be input include, but are not limited to, forecasting premium growth rate, predicting SPV rate value, new manpower for each position, and each post adjustment coefficient.
  • SPV General Purpose Vehicle
  • SPV refers to a special purpose carrier, also known as a special purpose institution/company. Its function is to purchase and package securitized assets and issue asset-based assets in the process of securitization of offshore assets. Securities, financing foreign investors.
  • Forecasted Cost Predicted Premium * Predicted SPV Rate Value.
  • Annualized stock labor cost (this year's labor cost (actual value) / statistical month) *12.
  • Remaining Available Cost Forecasted Cost - Annualized Stock Cost.
  • Incremental labor cost (monthly cost per job (actual value) * new manpower per position * adjustment factor for each post) * (12 - current month number).
  • the forecasting premium last year's premium* (1+ forecasted premium growth rate) as an example, the forecasted premium is its evaluation index.
  • the two income data of last year's premium and forecasted premium growth rate are calculation parameters.
  • the remaining available cost predicted cost-annualized stock cost, the remaining available cost is its evaluation index, and the two cost data of forecast cost and annualized inventory cost are calculation parameters.
  • S40 Obtain parameter values corresponding to at least two calculation parameters from the revenue data, the human data, and the cost data.
  • the parameter value corresponding to the calculated parameter refers to a specific value to be substituted into each index calculation formula.
  • the calculation parameters are obtained from the premium operation data such as the income data, the labor data, and the cost data. Calculate the parameter value corresponding to the parameter, and the acquisition process of the parameter value is specific and clear. For example, when calculating the estimated indicator of premium, it is necessary to obtain the corresponding parameter value corresponding to the last year's premium and the predicted premium growth rate from the premium operation data.
  • the target index value refers to the value calculated by the index calculation formula.
  • Each of the index calculation formulas obtained in step S30 includes at least two calculation parameters and an operation mode for performing operation on at least two calculation parameters, and the parameter values obtained in step S40 are substituted into the index calculation formula, and at least two are used in the calculation manner.
  • the calculation parameters are calculated to obtain the target indicator value.
  • the parameter value 1156 of the insurance cost manpower is obtained from the manpower data
  • 20 % is the target indicator value corresponding to the evaluation indicator in the premium inquiry instruction.
  • the parameter value of the monthly average cost (actual value) of each post is 10000 from the human data.
  • the parameter value of the newly added manpower for each post is 2 from the manpower data, 0.8 for each post, and 8 for the current month.
  • the evaluation index in the premium inquiry instruction can be set by the user according to the requirement.
  • the target evaluation value corresponding to the evaluation index can be obtained, which can facilitate the facilitation of the relevant institution of the insurance company. Quickly track revenue data, labor data, and cost data related to insurance costs, and achieve profit and loss tracking of revenues and expenses of different organizations.
  • the target value of the same evaluation index in different monthly, quarterly or annual, the historical status of the evaluation index can be obtained, which is beneficial for the insurance company to make decision adjustment based on historical conditions to improve the company's performance.
  • the insurance operation data can be quickly obtained according to the index information of the premium inquiry instruction, and the corresponding index calculation formula is quickly obtained according to the evaluation index in the premium inquiry instruction, and then from the premium operation data.
  • the parameter value corresponding to the parameter indicator in the index calculation formula is obtained, and the parameter value is substituted into the index calculation formula to calculate, and the target index value is obtained.
  • the acquisition process of the target index value is simple and convenient, and the corresponding accurate target index value can be quickly obtained through the premium inquiry instruction, which can effectively improve the efficiency and accuracy of the insurance cost assessment, and the process automation degree is high, and no excessive manual intervention is needed.
  • the insurance cost evaluation method further includes step S60: pre-creating an insurance expense database, wherein the insurance fee database stores at least one premium operation data corresponding to the index information.
  • the insurance expense database is a database for storing premium operation data.
  • the insurance fee database may be configured inside the premium system, or the insurance fee database may be created, and the premium system is connected to the insurance expense database, so that the premium system can query the insurance fee database.
  • Any premium operation data in the insurance expense database corresponds to an index information, so that the insurance fee database is queried based on the index information, and the corresponding premium operation data is obtained.
  • step S20 specifically includes: querying an insurance fee database based on the index information to obtain premium operation data corresponding to the index information.
  • the insurance expense database is a SQL database
  • an SQL query statement may be used, and the index information is used as a query field to obtain a premium operation data corresponding to the index information, and the query process is simple and convenient.
  • each premium operation data is associated with the organization ID
  • the premium inquiry instruction further includes an organization ID, so as to obtain corresponding premium operation data based on the institution ID and the index information in the premium inquiry instruction, specifically by the institution ID and The index information is queried for the query field to obtain the corresponding premium operation data, and the query process is simple and convenient.
  • step S60 the insurance fee database is created in advance, and specifically includes the following steps:
  • S61 Acquire at least one premium operation data sent by the data collection subsystem, and the premium operation data carries the geographic identification information.
  • the data collection subsystem is a system for collecting data such as revenue data, human data, and cost data, respectively.
  • Geographical identification information is information used to identify the source of insurance cost data. Each GI information is associated with an institution ID.
  • the geographic identification information includes, but is not limited to, the geographic name of the level, the geographic level of the level, and the geographic name of the upper level, and each premium operation data carries its own geographic identification information.
  • the premium operation data of different regions is collected by the data collection subsystem and sent to the premium system.
  • the premium system obtains the premium operation data of different regions, and can determine the region to which it belongs according to the geographic identification information carried by the premium system.
  • S62 Obtain index information based on the geographic identification information.
  • the index information is an index for speeding up the retrieval of insurance cost data
  • the geographic identification information is information for identifying the source of the insurance fee data. Since each insurance cost data is associated with a different institution, it can be determined based on different institutions. Corresponding index information.
  • the index information generation rule can be set by the index information generation rule, which is automatically formed according to the mechanism and the data acquisition time, so that the index information generation process is automated, and no manual intervention is needed, which is beneficial to improving the processing efficiency.
  • the index information generation rule may be generated according to the generation rule of the local institution ID-superordinate institution ID-data serial number.
  • the data serial number is a randomly generated number.
  • the geographical indication information includes, but is not limited to, the geographic name of the level, the geographic level of the level, and the geographic name of the upper level, when the index information is obtained based on the geographic identification information, information such as the geographic name of the level, the geographic level of the level, and the geographic name of the upper level may not exist. In a complete situation, there are several situations when obtaining index information based on geographic identification information:
  • the first is that if the geographical indication information carries the geographic name of the level, the geographic level of the level, and the geographic name of the upper level, the index information is obtained based on the geographic identification information.
  • the geographical indication information carries the geographic name of the level, the geographic level of the level, and the geographic name of the upper level
  • the information of the geographical indication information is complete, and the index information can be directly obtained based on the geographic identification information.
  • the geographical name of the geographic identification information is Guangzhou
  • the geographic level of the local level is municipal level
  • the geographical name of the higher level is Guangdong
  • the information of the identification information of the acquiring institution can be directly queried, and the institution ID of Guangzhou and Guangdong can be obtained.
  • the organization ID is used as the organization ID of the organization, and the organization ID of Guangdong is used as the parent institution ID, and the corresponding index information can be acquired based on the generation rule of the local institution ID-superordinate institution ID-data number.
  • the institution identification information table is used to store geographic names corresponding to different institutions and corresponding institution IDs. Due to the existence of the same geographical name and superior geographical name, such as the geographical name of the level and the local geographic level uniquely determine a certain level of institutions, such as Jilin City, Jilin province, if only enter the geographical name of this level, Jilin, without this At the geographic level, it is impossible to determine whether it is Jilin province or Jilin City.
  • the second is that if the geographical indication information carries the geographic name of the level and the geographic level of the current level, the corresponding geographical name is obtained based on the geographic name of the level and the geographic level query of the level, and the index information is obtained based on the geographical identification information and the superior geographical name. .
  • the geographical indication information only carries the geographic name of the current level and the geographic level of the current level, and does not carry the geographic name of the upper level
  • the corresponding geographical name is obtained based on the geographic name of the level and the geographic level query of the current level
  • the geographic identification information is based on the geographic identification information.
  • the geographic name of the current level and the geographic level of the level are added to the obtained geographic name of the upper level to obtain index information. For example, if only the geographic name of the geographic identification information is Guangzhou and the geographic level of the current level is the city level information, and the geographic name of the higher level is Guangdong, you can first query the previous geographic level of Guangzhou to determine that it is Guangdong.
  • the third is that if the geographical indication information carries the superior geographical name, the source location information corresponding to the premium operation data is obtained based on the superior geographic name, and the source location information is counted, and the geographic name of the level corresponding to the premium operation data and the geographic level of the level are determined.
  • Hierarchy based on geographic identification information, geographic name of the level, and geographic level of the level, obtain index information.
  • the source location information is used to determine the source of the premium operation data, and may be the address information of the terminal or server that sends each insurance policy data of the premium operation data, or may be the premium operation data.
  • the premium operation data is uploaded by different institutions, including multiple insurance policy data, and each insurance policy data includes not only the name of the policyholder, the address of the policyholder, the contact information, the receiving institution, the institution ID, the policy type, the policy number, and the policy.
  • the amount and other information including the IP address of the terminal or server that uploaded the policy data.
  • the source location information may be determined according to the IP address or the insured address, and the source location information of all insurance policy data in the premium operation data may be counted, the corresponding geographic name of the level and the geographic level of the level are determined, and then the geographic identification information is based on the geographic identification information.
  • the superior geographical name and the obtained geographic name of the level and the geographic level of the level are obtained, and the index information is obtained.
  • the mapping relationship is used to reflect the relationship between data in different structures or directories.
  • the premium operation data collected by each data collection subsystem can be associated with the index information, so that the corresponding premium operation data can be quickly obtained through the index information based on the mapping relationship, thereby facilitating calculation of various institutions. Evaluation data.
  • S64 Store the premium operation data and the mapping relationship to form an insurance expense database.
  • the premium operation data and the mapping relationship are stored to form a library of insurance expense numbers, so that the insurance fee database can be queried directly based on the index information in the premium inquiry instruction.
  • the index information is acquired through the geographic identification information in the premium operation data sent by the data collection subsystem to ensure the correspondence between the premium operation data and the index information.
  • the mapping relationship between the index information and the premium operation data is established, so that the index information is associated with the relevant premium operation data, so that the corresponding premium operation data can be quickly obtained by the subsequent query based on the index information.
  • the premium operation data and the mapping relationship are stored to form an insurance expense database, so that the premium operation database can quickly find the premium operation data associated with the index information based on the mapping relationship.
  • the insurance cost evaluation method further includes the following steps:
  • S71 Acquire a data monitoring instruction, where the data monitoring instruction includes a trigger time and an index information.
  • the data monitoring instruction is an instruction to monitor the data.
  • the trigger time is the point in time at which the monitoring program that executes the data monitoring command is triggered to monitor the current premium operating data.
  • the trigger time can be a fixed time every day, such as 2:00 am every day, or a fixed time per month, such as 4:00 am on the first day of each month.
  • the data monitoring instruction includes a triggering time, so that the data monitoring instruction can be executed according to a predetermined time, and no human monitoring is needed, which is beneficial to improving monitoring efficiency; and the data monitoring instruction includes index information, so as to quickly query based on the index information.
  • the premium operates the database to quickly obtain the corresponding premium operating data.
  • S72 Acquire update data corresponding to the index information between the trigger time and the last update time, and update the premium operation data corresponding to the index information corresponding to the index information.
  • Step S72 can implement real-time update of the premium operation data based on the data monitoring instruction, specifically: triggering the data update program at the trigger time to obtain the update data corresponding to the index information between the trigger time and the last update time,
  • the update data covers the premium operation data corresponding to the index information, so as to realize automatic timing update of the premium operation data, and no manual manual update is needed, which can improve the efficiency and accuracy of the data update processing.
  • the insurance cost evaluation method further includes the following steps:
  • S81 Acquire a data analysis instruction, where the data analysis instruction includes an analysis template ID and an index information.
  • the data analysis instruction refers to an instruction for analyzing the data.
  • the analysis template ID is an identifier for identifying different analysis templates, and one analysis template corresponds to a unique analysis template ID, so that the corresponding analysis template can be quickly found by analyzing the template ID.
  • the index information is an index for speeding up the retrieval of insurance cost data, and the index information can be used to quickly find the premium operation data of the data analysis performed.
  • S82 Acquire, according to the analysis template ID, a visualization template corresponding to the analysis template ID, the visualization template includes a template framework and at least one visualization module, and the visualization module includes a chart conversion tool.
  • the visualization template refers to a template for displaying data in a visual form.
  • the visualization template is associated with the analysis template ID, and the corresponding visualization template can be quickly found based on the analysis template ID.
  • a template framework is a framework built by filling or filling in areas such as data or titles in a visual template.
  • a visualization module is a module that presents data as a visual image.
  • the chart conversion tool is a tool for processing data to display it as a chart.
  • the chart conversion tool includes, but is not limited to, a conversion function corresponding to a pie chart, a histogram, and a line chart.
  • S83 Acquire data to be processed based on the index information, where the data to be processed includes at least one data indicator.
  • the to-be-processed data is the premium operation data acquired by the index information query that needs to perform data analysis.
  • the data indicator refers to the indicator for analyzing and evaluating the data to be processed, and may refer to the dimension of data analysis and evaluation, including but not limited to the amount of premium, the period of insurance, the type of insurance, the age of the insured, and the year of insurance.
  • the premium operation data corresponding to the index information is obtained as the data to be processed according to the index information in the data analysis instruction, and the data indicator corresponding to the data to be processed is obtained based on the to-be-processed data.
  • S84 Converting data indicators in the processed data by using a chart conversion tool to obtain a visual image.
  • the chart conversion tool stores a conversion function corresponding to different types of images, and converts the data indicators in the data to be processed by calling the corresponding conversion function to obtain a visualized image.
  • Chart conversion tools can be used with, but not limited to, Echarts tools.
  • Echarts tools Enterprise Charts, commercial-grade data chart
  • a pure Javascript chart library can run smoothly on PCs and mobile devices, compatible with most current browsers, the underlying rely on the lightweight Canvas library ZRender, can give Users provide intuitive, vivid, highly personalized data visualization charts.
  • the amount of premium in the data to be processed is divided into different amount intervals, and the amount interval can be automatically divided into several levels according to industry habits, and the data to be processed can be processed by calling the conversion function of the histogram in the Echarts tool.
  • the conversion process is performed according to the data amount of the premium amount to form a corresponding visualized image so that the distribution of the premium amount in the data to be processed can be visually displayed.
  • the visual image is loaded into the template frame to obtain a visual analysis chart.
  • the visual analysis chart can automatically fill the visual image corresponding to each data indicator into the reserved area of the corresponding visualization module, so that the process of visualizing the analysis chart is highly automated, which is beneficial to improving the production of the visual analysis chart. effectiveness.
  • the graph conversion tool obtains the data index in the data to be processed in real time and updates the visualized image, so that the visual report generated based on the visual image has the advantages of strong timing and high reliability.
  • Fig. 5 is a block diagram showing the principle of the insurance fee estimating apparatus corresponding to the insurance cost estimating method in the first embodiment.
  • the insurance fee evaluation device includes a premium inquiry instruction acquisition module 10, a premium operation data acquisition module 20, an index calculation formula acquisition module 30, a parameter value acquisition module 40, and a target index value acquisition module 50.
  • the steps corresponding to the implementation functions of the premium inquiry instruction acquisition module 10, the premium operation data acquisition module 20, the index calculation formula acquisition module 30, the parameter value acquisition module 40, and the target index value acquisition module 50, and the insurance cost evaluation method method in the embodiment One-to-one correspondence, in order to avoid redundancy, this embodiment will not be described in detail.
  • the premium inquiry instruction obtaining module 10 is configured to obtain a premium inquiry instruction, and the premium inquiry instruction includes index information and an evaluation indicator.
  • the premium operation data acquisition module 20 is configured to acquire premium operation data corresponding to the index information based on the index information, where the premium operation data includes revenue data, human data, and cost data.
  • the index calculation formula obtaining module 30 is configured to obtain an index calculation formula corresponding to the evaluation index based on the evaluation index, and the index calculation formula includes at least two calculation parameters.
  • the parameter value obtaining module 40 is configured to obtain, from the revenue data, the human data, and the cost data, parameter values corresponding to the at least two calculation parameters.
  • the target indicator value obtaining module 50 is configured to substitute the parameter values corresponding to the at least two calculated parameters into the index calculation formula to obtain the target index value corresponding to the evaluation index.
  • the insurance fee evaluation device further includes an insurance fee database creation module 60.
  • the insurance fee database creating module 60 is configured to pre-create an insurance fee database, and the insurance fee database stores at least one premium operation data corresponding to the index information.
  • the premium operation data acquisition module 20 is configured to query the insurance expense database based on the index information to obtain the premium operation data corresponding to the index information.
  • the insurance fee database creation module 60 includes a subsystem data acquisition unit 61, an index information acquisition unit 62, a mapping relationship establishment unit 63, and an insurance fee database formation unit 64.
  • the subsystem data obtaining unit 61 is configured to acquire premium operation data sent by at least one data collection subsystem, and the premium operation data carries geographic identification information.
  • the index information obtaining unit 62 is configured to acquire index information based on the geographic identification information.
  • the mapping relationship establishing unit 63 is configured to establish a mapping relationship between the index information and the premium operating data.
  • the insurance fee database forming unit 64 is configured to store the premium operation data and the mapping relationship to form an insurance expense database.
  • the index information acquisition unit 62 includes a first index information acquisition sub-unit 621, a second index information acquisition sub-unit 622, and a third index information acquisition sub-unit 623.
  • the first index information obtaining sub-unit 621 is configured to obtain index information based on the geographic identifier information when the geographic identifier information carries the geographic name of the level, the geographic level of the level, and the geographic name of the upper level.
  • the second index information obtaining sub-unit 622 is configured to obtain, according to the geographic name of the level and the geographic level query of the current level, the corresponding geographic name of the superior level, based on the geographical indication information and the superior level, when the geographical indication information carries the geographic name of the current level and the geographic level of the current level. Geographic name, get index information.
  • the third index information obtaining sub-unit 623 is configured to obtain source location information corresponding to the premium operation data, collect statistics on the source location information, and determine a corresponding to the premium operation data, when the geographic identifier information carries the upper-level geographic name.
  • the geographic name of the level and the geographic level of the level based on the geographical identification information, the geographic name of the level, and the geographic level of the level, obtain index information.
  • the insurance fee evaluation device further includes a data monitoring instruction acquisition unit 71 and a premium operation data update unit 72.
  • the data monitoring instruction acquiring unit 71 is configured to acquire a data monitoring instruction, where the data monitoring instruction includes a trigger time and index information.
  • the premium operation data update unit 72 is configured to acquire update data corresponding to the index information between the trigger time and the last update time, and to update the premium operation data corresponding to the index information.
  • the insurance fee evaluation apparatus further includes a data analysis instruction acquisition unit 81, a visualization template acquisition unit 82, a to-be-processed data acquisition unit 83, a visualization image acquisition unit 84, and a visualization analysis chart acquisition unit 85.
  • the data analysis instruction obtaining unit 81 is configured to acquire a data analysis instruction, where the data analysis instruction includes an analysis template ID and index information.
  • the visualization template obtaining unit 82 is configured to acquire, according to the analysis template ID, a visualization template corresponding to the analysis template ID, the visualization template includes a template frame and at least one visualization module, and the visualization module includes a chart conversion tool.
  • the to-be-processed data obtaining unit 83 is configured to acquire data to be processed based on the premium operation data, where the data to be processed includes at least one data indicator;
  • the visualized image obtaining unit 84 is configured to convert the data indicators in the data to be processed by using a chart conversion tool to obtain a visualized image.
  • the visual analysis chart obtaining unit 85 is configured to obtain a visual analysis chart based on the template frame and the visualization image.
  • the embodiment provides a computer readable storage medium having stored thereon computer readable instructions, which are implemented by the processor to implement the insurance cost evaluation method in Embodiment 1, in order to avoid repetition, No longer.
  • the computer readable instructions are executed by the processor, the functions of the modules/units in the insurance cost estimating apparatus in Embodiment 2 are implemented. To avoid repetition, details are not described herein again.
  • FIG. 6 is a schematic diagram of a terminal device according to an embodiment of the present application.
  • the terminal device 90 of this embodiment includes a processor 91, a memory 92, and computer readable instructions 93 stored in the memory 92 and operable on the processor 91, such as step S10 described in FIG. , S20, S30, S40 and S50.
  • the processor 91 executes the computer readable instructions 93, the functions of the modules/units of the insurance fee evaluation apparatus in the second embodiment are implemented, for example, the premium inquiry instruction acquisition module 10, the premium operation data acquisition module 20, and the indicator shown in FIG.
  • the functions of the formula acquisition module 30, the parameter value acquisition module 40, and the target index value acquisition module 50 are calculated.
  • computer readable instructions 93 may be partitioned into one or more modules/units, one or more modules/units being stored in memory 92 and executed by processor 91 to complete the application.
  • the one or more modules/units can be an instruction segment of a series of computer readable instructions capable of performing a particular function, which is used to describe the execution of computer readable instructions 93 in the terminal device 90.
  • the computer readable instructions 93 may be divided into a premium query instruction acquisition module 10, a premium operation data acquisition module 20, an indicator calculation formula acquisition module 30, a parameter value acquisition module 40, and a target indicator value acquisition module 50.
  • the terminal device 90 can be a computing device such as a desktop computer, a notebook, a palmtop computer, and a cloud server.
  • the terminal device may include, but is not limited to, a processor 91, a memory 92. It will be understood by those skilled in the art that FIG. 6 is merely an example of the terminal device 90 and does not constitute a limitation of the terminal device 90, and may include more or less components than those illustrated, or may combine certain components or different components.
  • the terminal device may further include an input/output device, a network access device, a bus, and the like.
  • the processor 91 may be a central processing unit (CPU), or may be another general-purpose processor, a digital signal processor (DSP), or an application specific integrated circuit (ASIC). Field-Programmable Gate Array (FPGA) or other programmable logic device, discrete gate or transistor logic device, discrete hardware components, etc.
  • the general purpose processor may be a microprocessor or the processor or any conventional processor or the like.
  • the memory 92 may be an internal storage unit of the terminal device 90, such as a hard disk or a memory of the terminal device 90.
  • the memory 92 may also be an external storage device of the terminal device 90, such as a plug-in hard disk equipped with the terminal device 90, a smart memory card (SMC), a Secure Digital (SD) card, and a flash memory card (Flash). Card) and so on.
  • the memory 92 may also include both an internal storage unit of the terminal device 90 and an external storage device.
  • Memory 92 is used to store computer readable instructions as well as other programs and data required by the terminal device.
  • the memory 92 can also be used to temporarily store data that has been output or is about to be output.
  • each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit.
  • the above integrated unit can be implemented in the form of hardware or in the form of a software functional unit.
  • the integrated modules/units if implemented in the form of software functional units and sold or used as separate products, may be stored in a computer readable storage medium.
  • the present application implements all or part of the processes in the foregoing embodiments, and may also be implemented by computer readable instructions, which may be stored in a computer readable storage medium.
  • the computer readable instructions when executed by a processor, may implement the steps of the various method embodiments described above.
  • the computer readable instructions comprise computer readable instruction code, which may be in the form of source code, an object code form, an executable file or some intermediate form or the like.
  • the computer readable medium can include any entity or device capable of carrying the computer readable instruction code, a recording medium, a USB flash drive, a removable hard drive, a magnetic disk, an optical disk, a computer memory, a read only memory (ROM, Read-Only) Memory), random access memory (RAM), electrical carrier signals, telecommunications signals, and software distribution media.
  • a recording medium a USB flash drive
  • a removable hard drive a magnetic disk, an optical disk
  • a computer memory a read only memory (ROM, Read-Only) Memory
  • RAM random access memory

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Abstract

本申请公开了一种保险费用评估方法、装置、终端设备及存储介质。该保险费用评估方法包括：获取保费查询指令，保费查询指令包括索引信息和评估指标；基于索引信息，获取与索引信息相对应的保费运营数据；基于评估指标，获取与评估指标相对应的指标计算公式，指标计算公式包括至少两个计算参数；从收益数据、人力数据和成本数据中，获取与至少两个计算参数相对应的参数值；将至少两个计算参数相对应的参数值代入指标计算公式，以获取与评估指标相对应的目标指标值。该保险费用评估方法能够对保险费用数据进行快速准确的追踪和评估，提高评估的效率和准确性。

Description

保险费用评估方法、装置、终端设备及存储介质
本专利申请以2017年12月28日提交的申请号为201711457916.X，名称为“保险费用评估方法、装置、终端设备及存储介质”的中国发明专利申请为基础，并要求其优先权。
技术领域
本申请涉及数据处理领域，尤其涉及一种保险费用评估方法、装置、终端设备及存储介质。
背景技术
保险费用与渠道、机构和岗位等特征相关，在对保险费用进行统计分析时需要对各个渠道、机构和岗位形成的保险费用数据在后台进行汇总处理和综合评估。现有保费费用评估过程通常采用手工录入方式，具体通过人工录入保险费用，并由人工按照不同渠道、机构和岗位等特征对保险费用进行综合评估，这一过程耗时长且不准确。
发明内容
本申请实施例提供一种保险费用评估方法、装置、终端设备及存储介质，以解决现有保险费用评估方法耗时长且不准确的问题。
第一方面，本申请实施例提供一种保险费用评估方法，包括：
获取保费查询指令，所述保费查询指令包括索引信息和评估指标；
基于所述索引信息，获取与所述索引信息相对应的保费运营数据，所述保费运营数据包括收益数据、人力数据和成本数据；
基于所述评估指标，获取与所述评估指标相对应的指标计算公式，所述指标计算公式包括至少两个计算参数；
从所述收益数据、所述人力数据和所述成本数据中，获取与至少两个所述计算参数相对应的参数值；
将至少两个所述计算参数相对应的参数值代入所述指标计算公式，以获取与所述评估指标相对应的目标指标值。
第二方面，本申请实施例提供一种保险费用评估装置，包括：
保费查询指令获取模块，用于获取保费查询指令，所述保费查询指令包括索引信息和评估指标；
保费运营数据获取模块，用于基于所述索引信息，获取与所述索引信息相对应的保费运营数据，所述保费运营数据包括收益数据、人力数据和成本数据；
指标计算公式获取模块，用于基于所述评估指标，获取与所述评估指标相对应的指标计算公式，所述指标计算公式包括至少两个计算参数；
参数值获取模块，用于从所述收益数据、所述人力数据和所述成本数据中，获取与至少两个所述计算参数相对应的参数值；
目标指标值获取模块，用于将至少两个所述计算参数相对应的参数值代入所述指标计算公式，以获取与所述评估指标相对应的目标指标值。
第三方面，本申请实施例提供一种终端设备，包括存储器、处理器以及存储在所述存储器中并可在所述处理器上运行的计算机可读指令，所述处理器执行所述计算机可读指令时实现如下步骤：
获取保费查询指令，所述保费查询指令包括索引信息和评估指标；
基于所述索引信息，获取与所述索引信息相对应的保费运营数据，所述保费运营数据包括收益数据、人力数据和成本数据；
基于所述评估指标，获取与所述评估指标相对应的指标计算公式，所述指标计算公式包括至少两个计算参数；
从所述收益数据、所述人力数据和所述成本数据中，获取与至少两个所述计算参数相对应的参数值；
将至少两个所述计算参数相对应的参数值代入所述指标计算公式，以获取与所述评估指标相对应的目标指标值。
第四方面，本申请实施例提供一种计算机可读存储介质，所述计算机可读存储介质存储有计算机可读指令，所述计算机可读指令被处理器执行时实现如下步骤：
获取保费查询指令，所述保费查询指令包括索引信息和评估指标；
基于所述索引信息，获取与所述索引信息相对应的保费运营数据，所述保费运营数据包括收益数据、人力数据和成本数据；
基于所述评估指标，获取与所述评估指标相对应的指标计算公式，所述指标计算公式包括至少两个计算参数；
从所述收益数据、所述人力数据和所述成本数据中，获取与至少两个所述计算参数相 对应的参数值；
将至少两个所述计算参数相对应的参数值代入所述指标计算公式，以获取与所述评估指标相对应的目标指标值。
本申请实施例提供的保险费用评估方法、装置、终端设备及存储介质中，根据保费查询指令的索引信息可快速获取保费运营数据，并根据保费查询指令中的评估指标快速获取对应的指标计算公式，再从保费运营数据中的收益数据、人力数据和成本数据中获取指标计算公式中的参数指标对应的参数值，并将该参数值代入指标计算公式中进行计算，获取目标指标值。该目标指标值的获取过程简单方便，可通过保费查询指令快速获取对应的较准确的目标指标值，可有效提高保险费用评估的效率和准确性。
附图说明
为了更清楚地说明本申请实施例的技术方案，下面将对本申请实施例的描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本申请的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动性的前提下，还可以根据这些附图获得其他的附图。
图1是实施例1中保险费用评估方法的一流程图。
图2是实施例1中保险费用评估方法的步骤S60的一流程图。
图3是实施例1中保险费用评估方法的另一流程图。
图4是实施例1中保险费用评估方法的又一流程图。
图5是实施例2中保险费用评估装置的一原理框图。
图6是实施例4中终端设备的一示意图。
具体实施方式
下面将结合本申请实施例中的附图，对本申请实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例是本申请一部分实施例，而不是全部的实施例。基于本申请中的实施例，本领域普通技术人员在没有做出创造性劳动前提下所获得的所有其他实施例，都属于本申请保护的范围。
实施例1
图1示出本实施例中保险费用评估方法的流程图。该保险费用评估方法应用在保险费用管理系统(收下简称保费系统)中，该保费系统安装在保险公司或与保险业务相关的其 他公司的终端设备上，用以提高保险费用评估效率和准确率。如图1所示，该保险费用评估方法包括如下步骤：
S10：获取保费查询指令，保费查询指令包括索引信息和评估指标。
其中，保费查询指令是指对保险费用数据进行查询的指令。保险费用数据是基于保险业务所产生的费用的数据。索引信息是一种索引，该索引用于加快检索保险费用数据。在关系数据库中，索引是一种对数据库表中一列或多列的数据进行排序的存储结构，是某个数据表中一列或若干列数据的集合及数据指向数据表中物理标识对应的数据页的逻辑指针清单，索引信息可以加快数据的检索速度。评估指标是指所要评估的保险费用数据的指标。评估指标包括但不限于收支比重、产能、成本率和人力占收益比重等。保费系统在获取保费查询指令后，便可获取与保费查询指令对应的索引信息和评估指标。
S20：基于索引信息，获取与索引信息相对应的保费运营数据，保费运营数据包括收益数据、人力数据和成本数据。
其中，保费运营数据是指所有与保险业务运营过程中产生的保险费用数据。收益数据是指所有与收益相关的数据，本实施例中具体指与保险业务的收益相关的数据，如客户购买保险缴纳的保险费或保险公司给客户支付的保险金。人力数据是指所有与人力相关的数据，如保险公司的业务人员数量、每一业务人员的工作岗位和人力成本等。成本数据是指除人力成本以外的与成本相关的数据，如终端设备和服务器等购买费用。
可以理解地，收益数据、人力数据和成本数据均可以依据保险公司的内部机构划分成具体数据值，每一机构对应的保费运营数据均携带机构ID，该机构ID是用于唯一识别保险公司中各个机构的标识。由于保险公司的内部机构分级管理，如依据行政区域划分成省市两级分机构，省级分机构下管辖有若干市级分机构，各机构之间形成的保费运营数据可能存在交叉，省级分机构的保费运营数据是若干市级分机构的汇总。为了便于管理保险公司的保费运营数据，可使机构ID分级设置，与机构分级管理相匹配。本实施例中，可使机构ID与机构区域标识相一致，以实现机构ID分级配置，例如省级分机构的区域标识和机构ID均为A01，其对应的市级分机构的区域标识和机构ID均为A01-a01。本实施例中，索引信息与机构ID相关联，以便于基于相应的机构ID快速查找到关联的索引信息对应的保费运管数据。
S30：基于评估指标，获取与评估指标相对应的指标计算公式，指标计算公式包括至少两个计算参数。
其中，指标计算公式是用于对保险费用数据进行计算以获取某一指标对应的数值的公 式。计算参数是指标计算公式中用于计算某一指标所要采用的参数。每一指标计算公式包括至少两个计算参数和对至少两个计算参数进行运算的运算方式，该运算方式包括但不限于加、减、乘和除等。具体地，保费系统预先存储有计算公式查询表，该计算公式查询表中存储至少一个指标计算公式，每一指标计算公式对应于一评估指标。保费系统在获取保费查询指令后，基于其中的评估指标，获取与评估指标相对应的指标计算公式，以便于基于该指标计算公式计算评估指标的具体数值。
例如，在与保险业务相关联的数据预测过程中，需输入的计算参数包括但不限于预测保费增速、预测SPV率值、各岗位新增人力和各岗位调节系数等。在证券行业，SPV(Special Purpose Vehicle)指特殊目的的载体也称为特殊目的机构/公司，其职能是在离岸资产证券化过程中，购买、包装证券化资产和以此为基础发行资产化证券，向国外投资者融资。其对应的指标计算公式包括预测保费、预测成本、年化存量人力成本、剩余可用成本和增量人力成本等指标的计算公式。其中，预测保费＝去年保费*(1+预测保费增速)。预测成本＝预测保费*预测SPV率值。年化存量人力成本＝(今年人力成本(实际值)/统计月份)*12。剩余可用成本＝预测成本-年化存量成本。增量人力成本＝(各岗位月均成本(实际值)*各岗位新增人力*各岗位调节系数)*(12-当前月份数)。以预测保费＝去年保费*(1+预测保费增速)这一指标计算公式为例，预测保费为其评估指标，去年保费和预测保费增速这两个收益数据为计算参数。又如剩余可用成本＝预测成本-年化存量成本这一指标计算公式中，剩余可用成本为其评估指标，预测成本和年化存量成本这两个成本数据均为计算参数。
S40：从收益数据、人力数据和成本数据中，获取与至少两个计算参数相对应的参数值。
其中，与计算参数相对应的参数值是指需代入到每一指标计算公式中的具体数值。步骤S30中依据每一评估指标确定对应的指标计算公式中获取到用于计算该评估指标所需要的计算参数时，根据计算参数从收益数据、人力数据和成本数据等保费运营数据中，获取与计算参数相对应的参数值，该参数值的获取过程具体而明确。例如，在计算预测保费这一评估指标时，需从保费运营数据中获取相应的去年保费和预测保费增速相对应的参数值。
S50：将至少两个计算参数相对应的参数值代入指标计算公式，以获取与评估指标相对应的目标指标值。
其中，目标指标值是指通过指标计算公式计算得到的数值。由于步骤S30获取到的每一指标计算公式包括至少两个计算参数和对至少两个计算参数进行运算的运算方式，将步 骤S40获取到的参数值代入指标计算公式中，采用运算方式对至少两个计算参数进行计算，以获取目标指标值。
若评估指标为人力占收益比重，步骤S30中获取到的人力占收益比重计算公式为：人力占收益比重＝保险费用人力/保险费用收益。从人力数据中获取到保险费用人力的参数值1156，从收益数据中获取到保险费用收益的参数值5780，代入人力占收益比重计算公式中进行计算：1156/5780*100％＝20％，20％即为与保费查询指令中评估指标相对应的目标指标值。
若评估指标为增量人力成本，步骤S30中获取的增量人力成本计算公式为：增量人力成本＝(各岗位月均成本(实际值)*各岗位新增人力*各岗位调节系数)*(12-当前月份数)。从人力数据中获取各岗位月均成本(实际值)的参数值为10000，从人力数据中获取各各岗位新增人力的参数值为2，各岗位调节0.8，当前月份数为8，代入增量人力成本计算公式中进行计算，10000*2*0.8*(12-8)＝64000，则64000为与保费查询指令中评估指标相对应的目标指标值。
可以理解地，保费查询指令中的评估指标可由用户依据需求自主设定，通过步骤S10-S50，可获取与评估指标相对应的目标评估值，可有助于保险公司的相关机构实现便利化、快速追踪与保险费用相关的收益数据、人力数据和成本数据等，实现对不同机构的收入与支出的盈亏跟踪等。另外，可通过获取同一评估指标在不同月度、季度或年度的目标指标值，可获取该评估指标的历史情况，有利于保险公司基于历史情况进行决策调整，以提高公司业绩。
本申请实施例提供的保险费用评估方法中，根据保费查询指令的索引信息可快速获取保费运营数据，并根据保费查询指令中的评估指标快速获取对应的指标计算公式，再从保费运营数据中的收益数据、人力数据和成本数据中获取指标计算公式中的参数指标对应的参数值，并将该参数值代入指标计算公式中进行计算，获取目标指标值。该目标指标值的获取过程简单方便，可通过保费查询指令快速获取对应的较准确的目标指标值，可有效提高保险费用评估的效率和准确性，其过程自动化程度高，无需过多人工干预。
在一具体实施方式中，该保险费用评估方法还包括步骤S60：预先创建保险费用数据库，保险费用数据库中存储至少一个索引信息相对应的保费运营数据。
其中，保险费用数据库是用于存储保费运营数据的数据库。本实施例中，可以在保费系统内部配置保险费用数据库，也可以创建保险费用数据库，并使该保费系统与保险费用数据库相连，以便于保费系统可查询保险费用数据库。保险费用数据库中的任一保费运营 数据对应一索引信息，以实现基于索引信息对保险费用数据库进行查询，获取相对应的保费运营数据。
该具体实施方式中，步骤S20具体包括：基于索引信息查询保险费用数据库，以获取与索引信息相对应的保费运营数据。例如，在保险费用数据库是SQL数据库时，可采用SQL查询语句，以索引信息为查询字段进行查询，以获取与索引信息相对应的保费运营数据，查询过程简单方便。
如上所述，每一保费运营数据与机构ID相关联，可使保费查询指令还包括机构ID，以便基于保费查询指令中的机构ID和索引信息查询获取相应的保费运营数据，具体以机构ID和索引信息为查询字段进行查询，以获取相对应的保费运营数据，查询过程简单方便。
如图2所述，步骤S60中，即预先创建保险费用数据库，具体包括如下步骤：
S61：获取至少一个数据采集子系统发送的保费运营数据，保费运营数据携带地理标识信息。
其中，数据采集子系统是分别用于采集收益数据、人力数据和成本数据等数据的系统。地理标识信息是用于标识保险费用数据来源的信息。每一地理标识信息与机构ID相关联。地理标识信息包括但不限于本级地理名称、本级地理层级和上级地理名称，每一保费运营数据携带各自的地理标识信息。不同地域的保费运营数据经数据采集子系统采集后发送至保费系统中，保费系统获取不同地域的保费运营数据，可根据其所携带的地理标识信息确定其所属的地域。
S62：基于地理标识信息，获取索引信息。
如上所述，索引信息是用于加快检索保险费用数据的索引，地理标识信息是用于标识保险费用数据来源的信息，由于每一保险费用数据与不同机构相关联，因此可基于不同机构确定其对应的索引信息。具体可通过设置索引信息生成规则，该索引信息生成规则依据机构和数据获取时间自动形成，使其索引信息生成过程实现自动化，无需人工干预，有利于提高其处理效率。
本实施例中，索引信息生成规则可以依据本地机构ID-上级机构ID-数据序号这一生成规则生成。其中，数据序号是随机生成的数字。由于地理标识信息包括但不限于本级地理名称、本级地理层级和上级地理名称，在基于地理标识信息获取索引信息时，可能存在本级地理名称、本级地理层级和上级地理名称等信息不齐全的情况，因此在基于地理标识信息获取索引信息时存在如下几种情况：
其一是，若地理标识信息携带本级地理名称、本级地理层级和上级地理名称，则基于地理标识信息，获取索引信息。
可以理解地，若地理标识信息携带本级地理名称、本级地理层级和上级地理名称，则说明其地理标识信息的信息齐全，可直接基于该地理标识信息获取索引信息。例如，若地理标识信息中的本级地理名称为广州、本级地理层级为市级、上级地理名称为广东，则可直接查询获取机构标识信息表，获取广州和广东的机构ID，将广州的机构ID作为本级机构ID，将广东的机构ID作为上级机构ID，基于本地机构ID-上级机构ID-数据序号这一生成规则生成即可获取对应的索引信息。该机构标识信息表用于存储不同机构对应的地理名称和对应的机构ID。由于存在本级地理名称和上级地理名称相同的情况，如使本级地理名称和本地地理层级唯一确定某一级机构，如吉林省吉林市，若仅输入本级地理名称吉林，而不带本级地理层级，则无法确定是吉林省还是吉林市。
其二是，若地理标识信息携带本级地理名称和本级地理层级，则基于本级地理名称和本级地理层级查询获取对应的上级地理名称，基于地理标识信息和上级地理名称，获取索引信息。
可以理解地，若地理标识信息仅携带本级地理名称和本级地理层级，不携带上级地理名称，则基于本级地理名称和本级地理层级查询获取对应的上级地理名称，然后基于地理标识信息中的本级地理名称和本级地理层级加上获取到的上级地理名称，获取索引信息。例如，若地理标识信息中只有本级地理名称为广州和本级地理层级为市级这一信息，没有其上级地理名称为广东，可先查询获取广州的上一地理层级确定其为广东，再查询获取机构标识信息表，获取广州和广东的机构ID，将广州的机构ID作为本级机构ID，将广东的机构ID作为上级机构ID，基于本地机构ID-上级机构ID-数据序号这一生成规则生成即可获取对应的索引信息。
其三是，若地理标识信息携带上级地理名称，则基于上级地理名称，获取保费运营数据对应的来源定位信息，对来源定位信息进行统计，确定保费运营数据对应的本级地理名称和本级地理层级，基于地理标识信息、本级地理名称和本级地理层级，获取索引信息。
本实施例中，来源定位信息用于确定该保费运营数据的来源的信息，可以是发送该保费运营数据的每一保险单数据的终端或服务器的地址信息，也可以是该保费运营数据中每一保险单数据对应的投保人地址确定的地址信息。具体地，保费运营数据由不同机构上传的，包括多个保险单数据，每一保险单数据不仅包括投保人名称、投保人地址、联系方式、受理机构、机构ID、保单类型、保单号和保单金额等信息，还包括上传该保险单数据的终 端或服务器的IP地址。可以根据该IP地址或者投保人地址确定来源定位信息，并对保费运营数据中所有保险单数据的来源定位信息进行统计，确定其对应的本级地理名称和本级地理层级，然后基于地理标识信息中的上级地理名称和获取到的本级地理名称及本级地理层级，获取索引信息。
S63：建立索引信息与保费运营数据之间的映射关系。
其中，映射关系用于反映不同结构或目录下的数据相互之间的关系。通过建立映射关系，可以将各个数据采集子系统采集的保费运营数据与索引信息关联起来，以便基于该映射关系，通过索引信息快速查询获取到相应的保费运营数据，从而方便计算各个机构的各种评估数据。
S64：将保费运营数据和映射关系存储，以形成保险费用数据库。
在获取索引信息与保费运营数据之间的映射关系后，将保费运营数据和映射关系进行存储，以形成保险费用数库，以便于后续可直接基于保费查询指令中的索引信息查询该保险费用数据库，以实现快速获取与索引信息存在映射关系的保费运营数据。
该保险费用评估方法中，通过数据采集子系统发送的保费运营数据中的地理标识信息，获取索引信息，以保证保费运营数据和索引信息的对应。建立索引信息与保费运营数据之间的映射关系，以使索引信息关联相关保费运营数据，以便后续基于索引信息可快速查询获取到相应的保费运营数据。将保费运营数据和映射关系进行存储，以形成保险费用数据库，以使该保险费用数据库中，可基于映射关系快速查找到与索引信息相关联的保费运营数据。
在一具体实施方式中，如图3所示，该保险费用评估方法还包括如下步骤：
S71：获取数据监测指令，数据监测指令包括触发时间和索引信息。
其中，数据监测指令是对数据进行监测的指令。触发时间是用于触发执行数据监测指令的监测程序以对当前保费运营数据进行监测的时间点。该触发时间可以是每天固定时间，如每天凌晨2：00，也可以是每个月的固定时间，如每个月第一天的凌晨4：00。本实施例中，数据监测指令包括触发时间，可使数据监测指令可按既定的时间执行，无需人为监测，有利于提高监测效率；并且，数据监测指令包括索引信息，以便基于该索引信息快速查询保费运营数据库，从而快速获取对应的保费运营数据。
S72：获取触发时间与上次更新时间之间的与索引信息相对应的更新数据，将更新数据覆盖索引信息相对应的保费运营数据。
步骤S72可实现基于数据监测指令，对保费运营数据执行实时更新，具体包括：在触 发时间触发数据更新程序，以获取触发时间与上次更新时间之间的与索引信息相对应的更新数据，将该更新数据覆盖索引信息相对应的保费运营数据，以实现保费运营数据的自动定时更新，无需人工手动更新，可有利于提高数据更新处理的效率和准确性。
在一具体实施方式中，如图4所述，该保险费用评估方法还包括以下步骤：
S81：获取数据分析指令，数据分析指令包括分析模板ID和索引信息。
其中，数据分析指令是指对数据进行分析的指令。分析模板ID是用于识别不同分析模板的标识，一个分析模板对应唯一的分析模板ID，以便于通过分析模板ID快速查找到对应的分析模板。索引信息是用于加快检索保险费用数据的索引，可通过该索引信息快速查找到所进行数据分析的保费运营数据。
S82：基于分析模板ID，获取与分析模板ID相对应的可视化模板，可视化模板包括模板框架和至少一个可视化模块，可视化模块包括图表转换工具。
其中，可视化模板是指使数据以可视化形式展现的模板，该可视化模板与分析模板ID相关联，可基于分析模板ID快速查找到相应的可视化模板。模板框架是指在可视化模板中填充或填写数据或标题等区域所构建的框架。可视化模块是指将数据以可视化图像形式展现的模块。图表转换工具是用于对数据进行加工处理以使其以图表展示的工具。图表转换工具中包括但不限于饼图、柱状图和折线图等图形所对应的转换函数。
S83：基于索引信息，获取待处理数据，待处理数据包括至少一个数据指标。
待处理数据是基于索引信息查询获取到的需要进行数据分析的保费运营数据。数据指标是指对用于对待处理数据进行分析评估的指标，可以指进行数据分析评估的维度，包括但不限于保费金额、保险期限、保险类型、投保人年龄和投保年度等。具体地，可根据数据分析指令中的索引信息，获取与索引信息相对应的保费运营数据作为待处理数据，基于该待处理数据，得到待处理数据对应的数据指标。
S84：采用图表转换工具对待处理数据中的数据指标进行转换，获取可视化图像。
具体地，图表转换工具中存储有不同类型图像所对应的转换函数，通过调用对应的转换函数来实现待处理数据中的数据指标的转换，以获取可视化图像。图表转换工具可以采用但不限于Echarts工具。ECharts(Enterprise Charts，商业级数据图表)，一个纯Javascript的图表库，可以流畅的运行在PC和移动设备上，兼容当前绝大部分浏览器，底层依赖轻量级的Canvas类库ZRender，能够给用户提供直观，生动，可高度个性化定制的数据可视化图表。
本实施例中，在需对待处理数据中的保费金额进行不同金额区间划分，该金额区间可 根据行业习惯自主划分成若干等级，可通过调用Echarts工具中的柱状图的转换函数，将待处理数据依据保费金额这一数据指标进行转换处理，以形成相应地可视化图像，使其可直观显示待处理数据中的保费金额的分布情况。
S85：基于模板框架和可视化图像，获取可视化分析图表。
具体地，在获取到模板框架和可视化图像后，将可视化图像加载入模板框架中，以获取可视化分析图表。可以理解地，该可视化分析图表可将每一数据指标对应的可视化图像自动填充到相应的可视化模块预留的区域上，使得可视化分析图表的制作过程自动化程度高，有利于提高可视化分析图表的制作效率。本实施例中，图表转换工具会实时获取待处理数据中的数据指标并更新可视化图像，以使基于可视化图像生成的可视化报表具有时序性强，可靠性高的优点。
应理解，上述实施例中各步骤的序号的大小并不意味着执行顺序的先后，各过程的执行顺序应以其功能和内在逻辑确定，而不应对本申请实施例的实施过程构成任何限定。
实施例2
图5示出与实施例1中保险费用评估方法一一对应的保险费用评估装置的原理框图。如图5所示，该保险费用评估装置包括保费查询指令获取模块10、保费运营数据获取模块20、指标计算公式获取模块30、参数值获取模块40和目标指标值获取模块50。其中，保费查询指令获取模块10、保费运营数据获取模块20、指标计算公式获取模块30、参数值获取模块40和目标指标值获取模块50的实现功能与实施例中保险费用评估方法方法对应的步骤一一对应，为避免赘述，本实施例不一一详述。
保费查询指令获取模块10，用于获取保费查询指令，保费查询指令包括索引信息和评估指标。
保费运营数据获取模块20，用于基于索引信息，获取与索引信息相对应的保费运营数据，保费运营数据包括收益数据、人力数据和成本数据。
指标计算公式获取模块30，用于基于评估指标，获取与评估指标相对应的指标计算公式，指标计算公式包括至少两个计算参数。
参数值获取模块40，用于从收益数据、人力数据和成本数据中，获取与至少两个计算参数相对应的参数值。
目标指标值获取模块50，用于将至少两个计算参数相对应的参数值代入指标计算公式，以获取与评估指标相对应的目标指标值。
优选地，保险费用评估装置还包括保险费用数据库创建模块60。
保险费用数据库创建模块60，用于预先创建保险费用数据库，保险费用数据库中存储至少一个索引信息相对应的保费运营数据。
保费运营数据获取模块20，用于基于索引信息查询保险费用数据库，以获取与索引信息相对应的保费运营数据。
保险费用数据库创建模块60包括子系统数据获取单元61、索引信息获取单元62、映射关系建立单元63和保险费用数据库形成单元64。
子系统数据获取单元61，用于获取至少一个数据采集子系统发送的保费运营数据，保费运营数据携带地理标识信息。
索引信息获取单元62，用于基于地理标识信息，获取索引信息。
映射关系建立单元63，用于建立索引信息与保费运营数据之间的映射关系。
保险费用数据库形成单元64，用于将保费运营数据和映射关系存储，以形成保险费用数据库。
优选地，索引信息获取单元62包括第一索引信息获取子单元621、第二索引信息获取子单元622和第三索引信息获取子单元623。
第一索引信息获取子单元621，用于在地理标识信息携带本级地理名称、本级地理层级和上级地理名称时，基于地理标识信息，获取索引信息。
第二索引信息获取子单元622，用于地理标识信息携带本级地理名称和本级地理层级时，基于本级地理名称和本级地理层级查询获取对应的上级地理名称，基于地理标识信息和上级地理名称，获取索引信息。
第三索引信息获取子单元623，用于在地理标识信息携带上级地理名称时，基于上级地理名称，获取保费运营数据对应的来源定位信息，对来源定位信息进行统计，确定保费运营数据对应的本级地理名称和本级地理层级，基于地理标识信息、本级地理名称和本级地理层级，获取索引信息。
优选地，保险费用评估装置还包括数据监测指令获取单元71和保费运营数据更新单元72。
数据监测指令获取单元71，用于获取数据监测指令，数据监测指令包括触发时间和索引信息。
保费运营数据更新单元72，用于获取触发时间与上次更新时间之间的与索引信息相对应的更新数据，将更新数据覆盖索引信息相对应的保费运营数据。
优选地，保险费用评估装置还包括数据分析指令获取单元81、可视化模板获取单元 82、待处理数据获取单元83、可视化图像获取单元84和可视化分析图表获取单元85。
数据分析指令获取单元81，用于获取数据分析指令，数据分析指令包括分析模板ID和索引信息。
可视化模板获取单元82，用于基于分析模板ID，获取与分析模板ID相对应的可视化模板，可视化模板包括模板框架和至少一个可视化模块，可视化模块包括图表转换工具。
待处理数据获取单元83，用于基于保费运营数据，获取待处理数据，待处理数据包括至少一个数据指标；
可视化图像获取单元84，用于采用图表转换工具对待处理数据中的数据指标进行转换，获取可视化图像。
可视化分析图表获取单元85，用于基于模板框架和可视化图像，获取可视化分析图表。
实施例3
本实施例提供一计算机可读存储介质，该计算机可读存储介质上存储有计算机可读指令，该计算机可读指令被处理器执行时实现实施例1中保险费用评估方法，为避免重复，这里不再赘述。或者，该计算机可读指令被处理器执行时实现实施例2中保险费用评估装置中各模块/单元的功能，为避免重复，这里不再赘述。
实施例4
图6是本申请一实施例提供的终端设备的示意图。如图6所示，该实施例的终端设备90包括：处理器91、存储器92以及存储在存储器92中并可在处理器91上运行的计算机可读指令93，例如图1所述的步骤S10、S20、S30、S40和S50。或者，处理器91执行计算机可读指令93时实现上述实施例2中保险费用评估装置的各模块/单元的功能，例如图5所示保费查询指令获取模块10、保费运营数据获取模块20、指标计算公式获取模块30、参数值获取模块40和目标指标值获取模块50的功能。
示例性的，计算机可读指令93可以被分割成一个或多个模块/单元，一个或者多个模块/单元被存储在存储器92中，并由处理器91执行，以完成本申请。一个或多个模块/单元可以是能够完成特定功能的一系列计算机可读指令的指令段，该指令段用于描述计算机可读指令93在终端设备90中的执行过程。例如，计算机可读指令93可以被分割成保费查询指令获取模块10、保费运营数据获取模块20、指标计算公式获取模块30、参数值获取模块40和目标指标值获取模块50。
终端设备90可以是桌上型计算机、笔记本、掌上电脑及云端服务器等计算设备。终端设备可包括，但不仅限于，处理器91、存储器92。本领域技术人员可以理解，图6仅 仅是终端设备90的示例，并不构成对终端设备90的限定，可以包括比图示更多或更少的部件，或者组合某些部件，或者不同的部件，例如终端设备还可以包括输入输出设备、网络接入设备、总线等。
所称处理器91可以是中央处理单元(Central Processing Unit，CPU)，还可以是其他通用处理器、数字信号处理器(Digital Signal Processor，DSP)、专用集成电路(Application Specific Integrated Circuit，ASIC)、现场可编程门阵列(Field-Programmable Gate Array，FPGA)或者其他可编程逻辑器件、分立门或者晶体管逻辑器件、分立硬件组件等。通用处理器可以是微处理器或者该处理器也可以是任何常规的处理器等。
存储器92可以是终端设备90的内部存储单元，例如终端设备90的硬盘或内存。存储器92也可以是终端设备90的外部存储设备，例如终端设备90上配备的插接式硬盘，智能存储卡(Smart Media Card,SMC)，安全数字(Secure Digital,SD)卡，闪存卡(Flash Card)等。进一步地，存储器92还可以既包括终端设备90的内部存储单元也包括外部存储设备。存储器92用于存储计算机可读指令以及终端设备所需的其他程序和数据。存储器92还可以用于暂时地存储已经输出或者将要输出的数据。
所属领域的技术人员可以清楚地了解到，为了描述的方便和简洁，仅以上述各功能单元、模块的划分进行举例说明，实际应用中，可以根据需要而将上述功能分配由不同的功能单元、模块完成，即将所述装置的内部结构划分成不同的功能单元或模块，以完成以上描述的全部或者部分功能。
另外，在本申请各个实施例中的各功能单元可以集成在一个处理单元中，也可以是各个单元单独物理存在，也可以两个或两个以上单元集成在一个单元中。上述集成的单元既可以采用硬件的形式实现，也可以采用软件功能单元的形式实现。
所述集成的模块/单元如果以软件功能单元的形式实现并作为独立的产品销售或使用时，可以存储在一个计算机可读取存储介质中。基于这样的理解，本申请实现上述实施例方法中的全部或部分流程，也可以通过计算机可读指令来指令相关的硬件来完成，所述的计算机可读指令可存储于一计算机可读存储介质中，该计算机可读指令在被处理器执行时，可实现上述各个方法实施例的步骤。其中，所述计算机可读指令包括计算机可读指令代码，所述计算机可读指令代码可以为源代码形式、对象代码形式、可执行文件或某些中间形式等。所述计算机可读介质可以包括：能够携带所述计算机可读指令代码的任何实体或装置、记录介质、U盘、移动硬盘、磁碟、光盘、计算机存储器、只读存储器(ROM，Read-Only  Memory)、随机存取存储器(RAM，Random Access Memory)、电载波信号、电信信号以及软件分发介质等。需要说明的是，所述计算机可读介质包含的内容可以根据司法管辖区内立法和专利实践的要求进行适当的增减，例如在某些司法管辖区，根据立法和专利实践，计算机可读介质不包括是电载波信号和电信信号。
以上所述实施例仅用以说明本申请的技术方案，而非对其限制；尽管参照前述实施例对本申请进行了详细的说明，本领域的普通技术人员应当理解：其依然可以对前述各实施例所记载的技术方案进行修改，或者对其中部分技术特征进行等同替换；而这些修改或者替换，并不使相应技术方案的本质脱离本申请各实施例技术方案的精神和范围，均应包含在本申请的保护范围之内。

Claims (20)

  1. 一种保险费用评估方法，其特征在于，包括：
    获取保费查询指令，所述保费查询指令包括索引信息和评估指标；
    基于所述索引信息，获取与所述索引信息相对应的保费运营数据，所述保费运营数据包括收益数据、人力数据和成本数据；
    基于所述评估指标，获取与所述评估指标相对应的指标计算公式，所述指标计算公式包括至少两个计算参数；
    从所述收益数据、所述人力数据和所述成本数据中，获取与至少两个所述计算参数相对应的参数值；
    将至少两个所述计算参数相对应的参数值代入所述指标计算公式，以获取与所述评估指标相对应的目标指标值。
  2. 如权利要求1所述的保险费用评估方法，其特征在于，所述保险费用评估方法，还包括：
    预先创建保险费用数据库，所述保险费用数据库中存储至少一个所述索引信息相对应的保费运营数据；
    所述基于所述索引信息，获取与所述索引信息相对应的保费运营数据，包括：
    基于所述索引信息查询所述保险费用数据库，以获取与所述索引信息相对应的保费运营数据。
  3. 如权利要求2所述的保险费用评估方法，其特征在于，所述预先创建保险费用数据库，包括：
    获取至少一个数据采集子系统发送的所述保费运营数据，所述保费运营数据携带地理标识信息；
    基于所述地理标识信息，获取索引信息；
    建立所述索引信息与所述保费运营数据之间的映射关系；
    将所述保费运营数据和所述映射关系存储，以形成所述保险费用数据库。
  4. 如权利要求3所述的保险费用评估方法，其特征在于，所述基于所述地理标识信息，获取索引信息，包括：
    若所述地理标识信息携带本级地理名称、本级地理层级和上级地理名称，则基于所述地理标识信息，获取索引信息；
    若所述地理标识信息携带本级地理名称和本级地理层级，则基于所述本级地理名称和所述本级地理层级查询获取对应的上级地理名称，基于所述地理标识信息和所述上级地理名称，获取索引信息；
    若所述地理标识信息携带上级地理名称，则基于所述上级地理名称，获取所述保费运营数据对应的来源定位信息，对所述来源定位信息进行统计，确定所述保费运营数据对应的本级地理名称和本级地理层级，基于所述地理标识信息、所述本级地理名称和所述本级地理层级，获取索引信息。
  5. 如权利要求1所述的保险费用评估方法，其特征在于，所述保险费用评估方法，还包括：
    获取数据监测指令，所述数据监测指令包括触发时间和索引信息；
    获取触发时间与上次更新时间之间的与所述索引信息相对应的更新数据，将所述更新数据覆盖所述索引信息相对应的保费运营数据。
  6. 如权利要求1所述的保险费用评估方法，其特征在于，所述保险费用评估方法，还包括：
    获取数据分析指令，所述数据分析指令包括分析模板ID和索引信息；
    基于所述分析模板ID，获取与所述分析模板ID相对应的可视化模板，所述可视化模板包括模板框架和至少一个可视化模块，所述可视化模块包括图表转换工具；
    基于所述索引信息，获取待处理数据，所述待处理数据包括至少一个数据指标；
    采用所述图表转换工具对所述待处理数据中的数据指标进行转换，获取可视化图像；
    基于所述模板框架和所述可视化图像，获取可视化分析图表。
  7. 一种保险费用评估装置，其特征在于，包括：
    保费查询指令获取模块，用于获取保费查询指令，所述保费查询指令包括索引信息和评估指标；
    保费运营数据获取模块，用于基于所述索引信息，获取与所述索引信息相对应的保费运营数据，所述保费运营数据包括收益数据、人力数据和成本数据；
    指标计算公式获取模块，用于基于所述评估指标，获取与所述评估指标相对应的指标计算公式，所述指标计算公式包括至少两个计算参数；
    参数值获取模块，用于从所述收益数据、所述人力数据和所述成本数据中，获取与至少两个所述计算参数相对应的参数值；
    目标指标值获取模块，用于将至少两个所述计算参数相对应的参数值代入所述指标计 算公式，以获取与所述评估指标相对应的目标指标值。
  8. 如权利要求7所述的保险费用评估装置，其特征在于，所述保险费用评估装置，还包括：保险费用数据库创建模块，用于预先创建保险费用数据库，所述保险费用数据库中存储至少一个所述索引信息相对应的保费运营数据；
    所述保费运营数据获取模块，用于基于所述索引信息查询所述保险费用数据库，以获取与所述索引信息相对应的保费运营数据；
    所述保险费用数据库创建模块包括：
    子系统数据获取单元，用于获取至少一个数据采集子系统发送的所述保费运营数据，所述保费运营数据携带地理标识信息；
    索引信息获取单元，用于基于所述地理标识信息，获取索引信息；
    映射关系建立单元，用于建立所述索引信息与所述保费运营数据之间的映射关系；
    保险费用数据库形成单元，用于将所述保费运营数据和所述映射关系存储，以形成所述保险费用数据库。
  9. 一种终端设备，包括存储器、处理器以及存储在所述存储器中并可在所述处理器上运行的计算机可读指令，其特征在于，所述处理器执行所述计算机可读指令时实现如下步骤：
    获取保费查询指令，所述保费查询指令包括索引信息和评估指标；
    基于所述索引信息，获取与所述索引信息相对应的保费运营数据，所述保费运营数据包括收益数据、人力数据和成本数据；
    基于所述评估指标，获取与所述评估指标相对应的指标计算公式，所述指标计算公式包括至少两个计算参数；
    从所述收益数据、所述人力数据和所述成本数据中，获取与至少两个所述计算参数相对应的参数值；
    将至少两个所述计算参数相对应的参数值代入所述指标计算公式，以获取与所述评估指标相对应的目标指标值。
  10. 如权利要求9所述的终端设备，其特征在于，所述处理器执行所述计算机可读指令时还实现如下步骤：
    预先创建保险费用数据库，所述保险费用数据库中存储至少一个所述索引信息相对应的保费运营数据；
    所述基于所述索引信息，获取与所述索引信息相对应的保费运营数据，包括：
    基于所述索引信息查询所述保险费用数据库，以获取与所述索引信息相对应的保费运营数据。
  11. 如权利要求10所述的终端设备，其特征在于，所述预先创建保险费用数据库，包括：
    获取至少一个数据采集子系统发送的所述保费运营数据，所述保费运营数据携带地理标识信息；
    基于所述地理标识信息，获取索引信息；
    建立所述索引信息与所述保费运营数据之间的映射关系；
    将所述保费运营数据和所述映射关系存储，以形成所述保险费用数据库。
  12. 如权利要求11所述的终端设备，其特征在于，所述基于所述地理标识信息，获取索引信息，包括：
    若所述地理标识信息携带本级地理名称、本级地理层级和上级地理名称，则基于所述地理标识信息，获取索引信息；
    若所述地理标识信息携带本级地理名称和本级地理层级，则基于所述本级地理名称和所述本级地理层级查询获取对应的上级地理名称，基于所述地理标识信息和所述上级地理名称，获取索引信息；
    若所述地理标识信息携带上级地理名称，则基于所述上级地理名称，获取所述保费运营数据对应的来源定位信息，对所述来源定位信息进行统计，确定所述保费运营数据对应的本级地理名称和本级地理层级，基于所述地理标识信息、所述本级地理名称和所述本级地理层级，获取索引信息。
  13. 如权利要求9所述的终端设备，其特征在于，所述处理器执行所述计算机可读指令时还实现如下步骤：
    获取数据监测指令，所述数据监测指令包括触发时间和索引信息；
    获取触发时间与上次更新时间之间的与所述索引信息相对应的更新数据，将所述更新数据覆盖所述索引信息相对应的保费运营数据。
  14. 如权利要求9所述的终端设备，其特征在于，所述处理器执行所述计算机可读指令时还实现如下步骤：
    获取数据分析指令，所述数据分析指令包括分析模板ID和索引信息；
    基于所述分析模板ID，获取与所述分析模板ID相对应的可视化模板，所述可视化模板包括模板框架和至少一个可视化模块，所述可视化模块包括图表转换工具；
    基于所述索引信息，获取待处理数据，所述待处理数据包括至少一个数据指标；
    采用所述图表转换工具对所述待处理数据中的数据指标进行转换，获取可视化图像；
    基于所述模板框架和所述可视化图像，获取可视化分析图表。
  15. 一种计算机可读存储介质，所述计算机可读存储介质存储有计算机可读指令，其特征在于，所述计算机可读指令被处理器执行时实现如下步骤：
    获取保费查询指令，所述保费查询指令包括索引信息和评估指标；
    基于所述索引信息，获取与所述索引信息相对应的保费运营数据，所述保费运营数据包括收益数据、人力数据和成本数据；
    基于所述评估指标，获取与所述评估指标相对应的指标计算公式，所述指标计算公式包括至少两个计算参数；
    从所述收益数据、所述人力数据和所述成本数据中，获取与至少两个所述计算参数相对应的参数值；
    将至少两个所述计算参数相对应的参数值代入所述指标计算公式，以获取与所述评估指标相对应的目标指标值。
  16. 如权利要求15所述的计算机可读存储介质，其特征在于，所述计算机可读指令被所述处理器执行时还实现如下步骤：
    预先创建保险费用数据库，所述保险费用数据库中存储至少一个所述索引信息相对应的保费运营数据；
    所述基于所述索引信息，获取与所述索引信息相对应的保费运营数据，包括：
    基于所述索引信息查询所述保险费用数据库，以获取与所述索引信息相对应的保费运营数据。
  17. 如权利要求16所述的计算机可读存储介质，其特征在于，所述预先创建保险费用数据库，包括：
    获取至少一个数据采集子系统发送的所述保费运营数据，所述保费运营数据携带地理标识信息；
    基于所述地理标识信息，获取索引信息；
    建立所述索引信息与所述保费运营数据之间的映射关系；
    将所述保费运营数据和所述映射关系存储，以形成所述保险费用数据库。
  18. 如权利要求17所述的计算机可读存储介质，其特征在于，所述基于所述地理标识信息，获取索引信息，包括：
    若所述地理标识信息携带本级地理名称、本级地理层级和上级地理名称，则基于所述地理标识信息，获取索引信息；
    若所述地理标识信息携带本级地理名称和本级地理层级，则基于所述本级地理名称和所述本级地理层级查询获取对应的上级地理名称，基于所述地理标识信息和所述上级地理名称，获取索引信息；
    若所述地理标识信息携带上级地理名称，则基于所述上级地理名称，获取所述保费运营数据对应的来源定位信息，对所述来源定位信息进行统计，确定所述保费运营数据对应的本级地理名称和本级地理层级，基于所述地理标识信息、所述本级地理名称和所述本级地理层级，获取索引信息。
  19. 如权利要求15所述的计算机可读存储介质，其特征在于，所述计算机可读指令被所述处理器执行时还实现如下步骤：
    获取数据监测指令，所述数据监测指令包括触发时间和索引信息；
    获取触发时间与上次更新时间之间的与所述索引信息相对应的更新数据，将所述更新数据覆盖所述索引信息相对应的保费运营数据。
  20. 如权利要求15所述的计算机可读存储介质，其特征在于，所述计算机可读指令被所述处理器执行时还实现如下步骤：
    获取数据分析指令，所述数据分析指令包括分析模板ID和索引信息；
    基于所述分析模板ID，获取与所述分析模板ID相对应的可视化模板，所述可视化模板包括模板框架和至少一个可视化模块，所述可视化模块包括图表转换工具；
    基于所述索引信息，获取待处理数据，所述待处理数据包括至少一个数据指标；
    采用所述图表转换工具对所述待处理数据中的数据指标进行转换，获取可视化图像；
    基于所述模板框架和所述可视化图像，获取可视化分析图表。
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