Risk assessment method and device, storage medium, and electronic equipment

A technology of risk assessment and risk scoring, applied in the field of data processing, can solve the problems of unsatisfactory timeliness, low efficiency of manual underwriting, low underwriting accuracy, etc., to improve efficiency and flexibility, reduce compensation costs, and accuracy high effect

Inactive Publication Date: 2018-03-20
TAIKANG LIFE INSURANCE CO LTD +1
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  • Abstract
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Problems solved by technology

[0004] It can be seen from the above that, on the one hand, manual underwriting has low e

Method used

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  • Risk assessment method and device, storage medium, and electronic equipment
  • Risk assessment method and device, storage medium, and electronic equipment
  • Risk assessment method and device, storage medium, and electronic equipment

Examples

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Embodiment Construction

[0058] Example embodiments will now be described more fully with reference to the accompanying drawings. However, the example embodiments can be implemented in various forms, and should not be construed as being limited to the embodiments set forth herein; on the contrary, these embodiments are provided so that this disclosure will be comprehensive and complete, and fully convey the concept of the example embodiments To those skilled in the art. In the figures, the same reference numerals denote the same or similar parts, and thus their repeated description will be omitted.

[0059] Furthermore, the described features, structures or characteristics may be combined in one or more embodiments in any suitable manner. In the following description, many specific details are provided to give a sufficient understanding of the embodiments of the present disclosure. However, those skilled in the art will realize that the technical solutions of the present disclosure can be practiced wit...

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Abstract

The embodiment of the invention relates to the technical field of data processing, and especially relates to a risk assessment method and device, a storage medium, and electronic equipment. The methodcan comprise the steps: transmitting insurance data of a user for preset insurance types to a risk control model, wherein the risk control model is constructed based on a big data sample; obtaining the historical data and external data of a user through the risk control model; and calculating the insurance claim probability of the user for the preset insurance types based on the insurance data, the historical data and the external data through the risk control model. The method greatly improves the risk evaluation efficiency and flexibility, can meet the timeliness of the insurance checking,saves a large amount of manpower and material cost, is high in insurance checking accuracy, can screen out a high-value low-risk user, effectively intercepts a counter selection user, and reduces theclaim payment cost.

Description

Technical field [0001] The embodiment of the present invention relates to the field of data processing technology, and in particular to a risk assessment method and device, storage medium, and electronic equipment. Background technique [0002] With the continuous development of social economy, people are becoming more aware of the importance of insurance. Insurance means that users pay insurance fees to insurance companies in accordance with the contract, and the insurance company undertakes to compensate insurance money for losses caused by possible risks agreed in the contract. Therefore, insurance companies' risk assessment of insurance business is extremely important. [0003] At present, the risk assessment method is mainly manual underwriting, that is, the underwriters use the accumulation of previous business experience to assess the user’s age, occupational risk level, user location, cumulative risk coverage, health notification, insurance limit, insurance amount and other...

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Application Information

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IPC IPC(8): G06Q40/08
CPCG06Q40/08
Inventor 程战战
Owner TAIKANG LIFE INSURANCE CO LTD
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