Vehicle insurance loss ratio pricing method, system and device and storage medium

Abstract

The invention provides a vehicle insurance claim rate pricing method, system and device and a storage medium, and the method comprises the steps: obtaining and fusing a VIN code and violation data of a to-be-insured vehicle, obtaining corresponding claim rate data and claim case data from international and domestic insurance market data and same industry insurance company data, carrying out the normalization processing, and determining the claim rate of the to-be-insured vehicle; the method comprises the following steps: obtaining corresponding feature data, screening loss ratio data of which the model prediction value is higher than a preset threshold value, forming a loss ratio data set, constructing a loss ratio prediction model by using an Adaboost algorithm fused with logistic regression, taking loss case data as a sample, and training the prediction model in combination with the loss ratio data set. And predicting the to-be-insured vehicle through the prediction model to obtain an insurance claim rate pricing category of the VIN code of the to-be-insured vehicle and the violation data. According to the method, a reasonable vehicle insurance pricing system is established in combination with vehicle owner and vehicle factors, more risk factors are identified based on generalized linear model risk modeling, and high-quality customers and low-quality customers are distinguished.

Description

technical field [0001] The present invention relates to the technical field of risk prediction, in particular to a method, system, device and storage medium for pricing insurance loss ratios of vehicles. Background technique [0002] In the "Opinions of the China Insurance Regulatory Commission on Deepening the Reform of the Management System of Commercial Auto Insurance Clauses and Rates" issued in 2015, it is clearly proposed to encourage and guide property insurance companies to provide insurance consumers with diversified, personalized, and differentiated commercial auto insurance protection and services. At present, there are three main problems in the pricing of traditional auto insurance: 1) The insurance rate structure is unreasonable and unfair: low-risk customers have high rates, and the insurance premium does not match their risk status; there is no essential difference between luxury car insurance and ordinary vehicles. There is no essential difference in the pro...

AI Technical Summary

Problems solved by technology

[0004] In view of this, the present invention proposes a vehicle insurance compensation rate pricing method, which is used to solve the problem that a reasonable vehicle insurance pricing system cannot be established in combination with vehicle owners and vehicle factors

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