Insurance loss ratio calculation method, apparatus, device and computer readable storage medium

Abstract

The invention provides an insurance loss ratio calculation method. The method comprises the following steps: when receiving a loss ratio calculation instruction, querying a database to obtain an insurance policy information table according to the loss ratio calculation instruction; creating a unified temporary table, and summarizing the target policy information in the policy information table into the unified temporary table in the form of row copy; creating a calculation width table and determining valid calculation information in the unified temporary table according to a preset loss ratioalgorithm to store the valid calculation information in the calculation width table in the form of row-to-column transfer; the valid calculation information is read from the calculation width table, and the loss ratio is calculated according to the valid calculation information and the preset loss ratio algorithm. The invention also provides an insurance loss ratio calculating device, an apparatusand a computer-readable storage medium. The invention optimizes the data reading logic and the calculation logic of the insurance loss ratio, improves the calculation efficiency of the insurance lossratio, and reduces the consumption of the system resources in the calculation process.

Description

Technical field [0001] The present invention relates to the field of insurance, and in particular to a method, device, equipment and computer-readable storage medium for calculating insurance compensation rate. Background technique [0002] The loss ratio reflects the comparative relationship between insurance company indemnity expenditure and premium income. It is one of the key operating indicators that insurance companies pay attention to in the daily operation and management of insurance companies. It plays an important role in the daily operation and management of insurance companies. As for the loss ratio, due to the overall policy situation of the insurance company involved in a certain accounting period, the calculation process needs to query multiple database tables to obtain multiple external policy data for calculation. In this process, the current commonly used method is to add a temporary table to each database table, and then retrieve the required data from each tem...

AI Technical Summary

Problems solved by technology

In this process, the current commonly used method is to add a temporary table to each database table, and then take out the required data from each temporary table during the calculation process; but this calculation method increases the amount of queries during the calculation process , reducing the readability of calculation scripts, and generating multiple temporary tables at the same time will also create an additional burden on the database

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