Risk assessment method and device for truck insurance market, and storage medium

Abstract

The invention discloses a risk assessment method and device for a truck insurance market and a storage medium. The method comprises the following steps: acquiring truck insurance policy data of each insurance company; based on the truck insurance policy data of the insurance companies, generating risk assessment indexes of the insurance companies, wherein the risk assessment indexes comprise one or more of a predicted loss ratio, a serious traffic illegal behavior policy proportion, a network access rate, a guarantee coverage degree, a guarantee sufficiency degree and a full policy rate; and according to the risk assessment index of each insurance company, obtaining a risk assessment value of each insurance company and a risk classification supervision level to which each insurance company belongs. According to the method, the real risk management capability and the risk bearing capability of each insurance company in the aspect of truck insurance underwriting can be quantitatively monitored, and the overall risk management capability and the insurance policy guarantee degree of each insurance company in the truck insurance market can be comprehensively and quantitatively evaluated; and the risk assessment accuracy and the risk supervision efficiency of the truck insurance market are improved.

Description

technical field [0001] The present invention relates to the technical field of big data, in particular to a risk assessment method, device and storage medium for the truck insurance market. Background technique [0002] In recent years, China has already become the world's largest road transportation market, and the overall turnover has already reached more than 10 billion ton-kilometers. Among them, the market size of light and medium trucks and heavy trucks has already exceeded trillions. At the same time, truck insurance The market has also developed and become larger and larger. At present, the annual insurance premiums of heavy-duty trucks are mostly 5-8 times higher than those of private cars. From the perspective of risk, the insurance risks of heavy-duty trucks are also significantly different from those of ordinary family cars. [0003] As a production tool, truck insurance has the following main characteristics compared with ordinary auto insurance: first, it has ...

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Problems solved by technology

[0005] In view of this, this application provides a risk assessment method, device and storage medium for the truck insurance market, the main purpose of which is to solve the technical problem of inaccurate risk assessment in the current truck insurance market

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