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Vehicle insurance pricing method, device, equipment and computer storage medium

A pricing and vehicle technology, applied in the field of insurance accounting, can solve problems such as the inability to flexibly adjust insurance costs

Active Publication Date: 2018-09-21
CHINA PING AN PROPERTY INSURANCE CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] Therefore, insurance companies set up different insurance business types according to customer needs. Insurance business personnel introduce insurance business to policyholders according to their business needs. Insurance policyholders purchase business products from insurance agents, and insurance agents can collect a certain amount from the insured amount. Proportional insurance premiums are used as commissions. The existing proposal and insurance ratio is relatively fixed, and the insurance agent calculates according to the existing fixed formula. This insurance accounting method is relatively fixed due to the uniform business type of insurance. , insurance business personnel only conduct simple sales promotion, and cannot flexibly adjust insurance costs

Method used

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  • Vehicle insurance pricing method, device, equipment and computer storage medium
  • Vehicle insurance pricing method, device, equipment and computer storage medium
  • Vehicle insurance pricing method, device, equipment and computer storage medium

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Embodiment Construction

[0053] It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0054]Due to many factors affecting vehicle insurance pricing, most vehicle insurance pricing schemes are fixed, that is, within the insurance industry, a fixed pricing scheme is determined in accordance with the requirements of the insurance premium reform, and independent underwriting will continue to be relaxed in the secondary fee reform Under the background of the coefficient and independent channel coefficient, different insurance companies adopt different vehicle insurance pricing methods, but there is no flexible and adjustable vehicle insurance pricing scheme.

[0055] The main solution of the embodiment of the present invention is to obtain the relevant parameters of premium pricing, and determine the influencing factors of the relevant parameters of premium pricing, so as to adjust the relevant parameters of...

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Abstract

The invention discloses a vehicle insurance pricing method which comprises the following steps of: acquiring insurance buying information entered by a user when detecting an insurance pricing request,performing initial pricing on an insurance premium based on the insurance buying information and a preset pricing model to form an initial insurance premium, acquiring basic accounting information ofthe insurance buying information when detecting an insurance premium accounting request, importing the basic accounting information and the initial insurance premium into a preset accounting model for calculation to form an initial underwriting coefficient, obtaining an underwriting adjustment coefficient generated by adjustment based on the initial underwriting coefficient, correcting the presetpricing model based on the underwriting adjustment coefficient, and performing pricing again on the insurance premium based on the insurance buying information and the corrected preset pricing modelto form a new insurance price. The invention further discloses a vehicle insurance pricing device, equipment and a computer storage medium. The pricing of the insurance premium is adjusted through theaccounting model, and the flexible adjustment of the insurance premium is achieved on the premise that a vehicle insurance pricing principle is satisfied.

Description

technical field [0001] The invention relates to the technical field of insurance accounting, in particular to a vehicle insurance pricing method, device, equipment and computer storage medium. Background technique [0002] With the increasing satisfaction of people's material conditions, people's demand for safety is increasing day by day, and more and more people choose to buy different insurance products to avoid losses caused by accidents. [0003] Therefore, insurance companies set up different insurance business types according to customer needs. Insurance business personnel introduce insurance business to policyholders according to their business needs. Insurance policyholders purchase business products from insurance agents, and insurance agents can collect a certain amount from the insured amount. Proportional insurance premiums are used as commissions. The existing proposal and insurance ratio is relatively fixed, and the insurance agent calculates according to the ...

Claims

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Application Information

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IPC IPC(8): G06Q30/02G06Q40/08
CPCG06Q30/0283G06Q40/08
Inventor 马征毛才斐陈平
Owner CHINA PING AN PROPERTY INSURANCE CO LTD
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