Agricultural insurance risk monitoring method and device, storage medium and computer equipment
A technology for risk monitoring and agricultural insurance, applied in the field of big data analysis, can solve the problems of insufficient monitoring timeliness and accuracy, and large limitations, and achieve the effect of improving risk management and control capabilities and compliance management capabilities.
Pending Publication Date: 2022-07-08
中国银行保险信息技术管理有限公司
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Problems solved by technology
[0005] In view of this, this application provides an agricultural insurance risk monitoring method, device, storage medium and computer equipment, the main purpose of which is to solve the technical problems of the existing agricultural insurance risk monitoring methods with large limitations and insufficient monitoring timeliness and accuracy
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[0023] Hereinafter, the present invention will be described in detail with reference to the accompanying drawings and in conjunction with embodiments. It should be noted that the embodiments in the present application and the features of the embodiments may be combined with each other in the case of no conflict.
[0024] In one embodiment, as figure 1 As shown in the figure, a method for monitoring agricultural insurance risks is provided, and the method is applied to computer equipment such as a client or server as an example for description, including the following steps:
[0025] 101. Collect the agricultural insurance policy claims data of various insurance companies on the national agricultural insurance platform, wherein the agricultural insurance policy claims data include agricultural insurance policy data and agricultural insurance claim data.
[0026] Among them, the full name of the national agricultural insurance platform is the national agricultural insurance inf...
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The invention discloses an agricultural insurance risk monitoring method and device, a storage medium and computer equipment, and relates to the technical field of big data analysis. The method comprises the steps of collecting agricultural insurance policy claim data of each insurance company on a national agricultural insurance platform, the agricultural insurance policy claim data including agricultural insurance policy data and agricultural insurance claim data; based on the agricultural insurance policy claim data and the insurance category to which the agricultural insurance policy claim data belongs, generating risk index data, the risk index data including one or more of underwriting risk index data, claim settlement risk index data, aging risk index data and fraud risk index data; and generating a risk monitoring result according to the risk index data, and pushing the risk monitoring result to the target user. According to the method, the overall risk level of agricultural insurance business operation of the agricultural insurance industry and the insurance companies can be reflected from the perspective of data, and various agricultural insurance risks can be quantified and identified by the insurance companies and supervision organizations.
Description
technical field [0001] The invention relates to the technical field of big data analysis, and in particular, to a method, device, storage medium and computer equipment for agricultural insurance risk monitoring. Background technique [0002] Agricultural insurance (referred to as agricultural insurance) refers to a policy that provides protection for economic losses caused by natural disasters, accidents, epidemics, diseases and other insurance accidents for agricultural producers in the production process of planting, breeding and forestry. kind of insurance. Due to the special policy attributes of agricultural insurance, as well as information asymmetry caused by factors such as scattered agricultural production and operation and land transfer in rural areas, a series of illegal and false claims have occurred in recent years, such as fraudulently increasing or fictitious targets to obtain financial subsidy funds and fabricating false compensation cases. Irregularities. ...
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Patent Timeline
Login to View More IPC IPC(8): G06Q40/08G06Q10/10G06Q10/06G06Q50/02
CPCG06Q40/08G06Q10/06393G06Q10/10G06Q50/02
Inventor 姚嘉许馨王嘉启张梦婕
Owner 中国银行保险信息技术管理有限公司