Method and device for underwriting on public liability insurance policy

Abstract

The embodiment of the invention discloses a method of underwriting on a public liability insurance policy, so as to solve the problems that the existing public liability insurance policy is subjected to artificial underwriting by an underwriting person, the underwriting accuracy is influenced by the professional level and the experience of the underwriting person and the underwriting efficiency is hard to improve. The method of the embodiment of the invention comprises steps: a target public liability insurance policy and target bidder information are acquired; according to the information of the risk index of the target public liability insurance policy and the policy holder information, a first underwriting factor of the risk index is calculated; vector extraction is carried out on the risk index information and the target bidder information according to a preset vector model, and a second underwriting factor of the risk index is obtained; the first underwriting factor and the second underwriting factor serve as input to be inputted to a deep learning model well trained in advance; and output of the deep learning model is acquired as the underwriting result of the target public liability insurance policy. The embodiment of the invention discloses a device for underwriting on the public liability insurance policy.

Description

technical field [0001] The invention relates to the field of financial services, in particular to an underwriting method and device for a public liability insurance policy. Background technique [0002] The so-called public liability refers to the economic compensation responsibility to the victim that the wrongful act of the wrongdoer in the public activity place causes the personal or property damage of others, and the wrongful person should bear the economic compensation responsibility to the victim according to law. The constitution of public liability is premised on the legal responsibility for economic compensation, and its legal basis is the civil law of each country and various related separate regulations and systems. In addition, in some places that are not public activities, if the public suffers damage in the place that should be borne by the infringer, it can also be attributed to the public responsibility. Therefore, various public facilities, factories, offic...

AI Technical Summary

Problems solved by technology

[0004] However, the underwriting accuracy rate of public liability insurance policies is often closely related to the professional level and experience of the underwriters. Different underwriters may obtain different underwriting results for the same public liability insurance policy, making public liability insurance policies The underwriting accuracy rate is greatly affected; in addition, it is often difficult to improve underwriting efficiency under the premise of ensuring the accuracy rate through manual risk assessment by underwriters. When faced with a large number of public liability insurance policy underwriting tasks, Significantly increased the cost of underwriting

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