Insurance risk assessment method based on enterprise process data

A technology of process data and risk assessment, applied in the field of insurance risk assessment based on enterprise process data, can solve problems such as inaccurate enterprise assessment and doubts about data authenticity, and achieve the effect of improving comprehensiveness and accurate credit assessment

Inactive Publication Date: 2019-01-01
广州农联科创信息技术有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

At present, when insurance companies conduct credit evaluation on agricultural enterprises, part of the basic evaluation data obtained is still provided by the enterprise. There are certain doubts about the authenticity of this part of the data, which makes the evaluation of the enterprise inaccurate.

Method used

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  • Insurance risk assessment method based on enterprise process data

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Embodiment Construction

[0028] The present invention will be further described in detail below in conjunction with the embodiments and the accompanying drawings, but the embodiments of the present invention are not limited thereto.

[0029] like figure 1 , an insurance risk assessment method based on enterprise process data, including the following steps:

[0030] Grab the data information related to the enterprise to be evaluated, and store the data information in the preset data mirror area;

[0031] Extract the data information in the data mirror area, and sort the data information according to the correlation between each data information and the credit of the enterprise to be evaluated;

[0032] Establish a corresponding credit value distribution table according to the scope of each data information, and assign credit value and weight value to each sorted data information according to the credit value distribution table and weight distribution table, and combine each sorted data information wit...

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Abstract

The invention discloses an insurance risk assessment method based on enterprise process data, comprising the following steps: grasping data information related to the enterprise to be evaluated and storing the data information in a preset data mirror area; extracting the data information of the data mirror area, sorting the data information according to the correlation degree between each data information and the credit of the enterprise to be evaluated; assigning a credit value and a weight value to each sorted data information according to a credit value assignment table and a weight assignment table, and storing each sorted data information and a corresponding credit value in a data storage area; extracting data from the data storage area and processing the data extracted from the datastorage area according to a preset processing model to generate an evaluation result; generating an evaluation report based on the evaluation results. The invention obtains the enterprise production and operation related data on the network, which has the characteristics of the government preparation and the third party platform public transaction, so that the credit evaluation of the agriculturalenterprise can be more accurate.

Description

technical field [0001] The invention relates to the field of agricultural insurance public application services, in particular to an insurance risk assessment method based on enterprise process data. Background technique [0002] With the development of the economy and the opening of the financial market, the competition in the insurance industry has become increasingly fierce. How to effectively control policy risks has become the main problem in agricultural insurance. The evaluation of the credit of agricultural enterprises is the primary problem to be solved in developing the agricultural insurance market. [0003] On the other hand, with the development of network technology, the openness of information is also increasing, and the acquisition of information is also easier. At present, when insurance companies conduct credit evaluations on agricultural enterprises, part of the basic evaluation data obtained is still provided by the enterprises. There are certain doubts ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/08G06Q50/02
CPCG06Q40/08G06Q50/02
Inventor 傅学锋赖永沛高颖
Owner 广州农联科创信息技术有限公司
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