Limit prediction method and device and computer readable storage medium

Abstract

The invention relates to a classification model, and provides a quota prediction method and device and a computer readable storage medium. According to the invention, subsequent insurance amount estimation is carried out only when the risk level is detected to be within a certain range, so that possible negative effects caused by continuous insurance buying of customers with relatively high risk levels are avoided; risk assessment is carried out by selecting the risk assessment model corresponding to the insurance type of this time, so that assessment errors caused by different insurance typesare avoided; a risk assessment model is obtained by using feature engineering and machine learning training, and target features are obtained by using the risk assessment model, so that a risk assessment result finally obtained by the risk assessment model is more accurate; the insurance amount range that the client can understand at present is predicted by synthesizing the previous insurance information and the amount adjustment factor, so that the insurance amount information that can be insured and conforms to the actual situation can be obtained during the current insurance. In addition,the invention also relates to a blockchain technology, and the previous insurance information can be stored in the blockchain.

Description

technical field [0001] The present invention relates to the technical field of data processing, in particular to a quota prediction method, device and computer-readable storage medium. Background technique [0002] In the insurance industry, for customers to apply for insurance, the common practice in the industry is that after the customer fills in the insurance application information, the company will decide whether to underwrite or not to underwrite after review. However, whether it is the customer or the agent in charge of insurance sales, it is difficult to directly obtain accurate information on the amount of insurance that can continue to be insured after the policy is insured. The customer or the agent considers that if the re-insurance amount is too large, the insurance company will face the risk of surrendering or rejecting the insurance, so they are often more conservative when re-applying for insurance, and invest a smaller amount in the hope that the insurance ...

AI Technical Summary

Problems solved by technology

[0003] The main purpose of the present invention is to provide an amount prediction method, equipment and computer-readable storage medium, aiming to solve the technical problem of low accuracy in predicting the insurance amount when adding insurance

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