Insurance policy renewal charging difficulty prediction method and device

Abstract

The present invention proposes a method for predicting the difficulty of policy renewal charging. The method includes: obtaining policy information within a preset time period, and taking whether the policy is renewed within the grace period as the target according to the policy renewal payment record in the policy information Variables, extract all the characteristic factors that may affect the target variable, calculate the influence degree of each extracted characteristic factor on the target variable, screen out the target characteristic factors that affect the target variable, and establish a renewal charging difficulty identification model based on the target characteristic factors. The above identification model of renewal fee difficulty is used to predict the renewal difficulty value of the target insurance policy. This method can identify the difficulty of renewal of the insurance policy that is to be renewed in advance, so as to facilitate subsequent targeted intervention. In addition, a device for predicting the difficulty of policy renewal charges is also proposed.

Description

technical field [0001] The invention relates to the field of computer processing, in particular to a method and device for predicting the difficulty of policy renewal charging. Background technique [0002] With the development of the insurance industry, more and more people have purchased various insurance policies, and many insurance policies are long-term, requiring customers to pay for renewals on a regular basis. Insurance companies have a large number of policies that need renewal payment every month, and business personnel need to renew the renewal payment of the policy, but different customers have different willingness to pay for the renewal of the policy, which makes it difficult to charge for the renewal of the policy It is difficult, often because policies with different renewal difficulties cannot be identified in advance, resulting in the inability to regulate manpower in a targeted manner, resulting in a waste of personnel funds, and it is also not conducive t...

AI Technical Summary

Problems solved by technology

Insurance companies have a large number of policies that need renewal payment every month, and business personnel need to renew the renewal payment of the policy, but different customers have different willingness to pay for the renewal of the policy, which makes it difficult to charge for the renewal of the policy It is difficult, often due to the inability to identify policies with different renewal difficulties in advance, it is impossible to regulate manpower in a targeted manner, resulting in a waste of personnel funds, and it is also not conducive to improving the success rate of renewal charges

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