Policy data distribution method, device, electronic device and computer storage medium

Abstract

The present invention relates to a method, device, electronic device and computer storage medium for allocating insurance policy data, wherein the method comprises: determining the total value to be allocated of the original insurance policy group and the first total dimension value on the allocation dimension for allocating the total value to be allocated according to the original insurance policies in the original insurance policy group; determining the second total dimension value of the reinsurance policy group on the allocation dimension according to the reinsurance policies in the reinsurance policy group, wherein the reinsurance policies are associated with the original insurance policies; determining a target original insurance policy group associated with the reinsurance policy group; allocating the total value to be allocated to the reinsurance policy group according to the target first total dimension value and the second total dimension value of the target original insurance policy group on the allocation dimension to obtain an allocation result. When the present invention is applied to the allocation of insurance business liabilities, it can accurately allocate the liabilities of the original insurance policy to the reinsurance policy to obtain the liabilities corresponding to the reinsurance policy, thereby meeting the requirements of IFRS.

Description

Technical Field

[0001] The present invention relates to the field of data processing technology, and in particular to a method, device, electronic equipment and computer storage medium for distributing insurance policy data. Background Art

[0002] In 2017, the International Accounting Standards Board (IASB) issued IFRS17 "Insurance Contracts", hereinafter referred to as IFRS17, which uses a unified standard to account for insurance business in order to unify the processing methods of financial data of insurance companies globally, truly, accurately and completely reflect the financial status and operating results of insurance companies, and improve the comparability of financial statements in the insurance industry.

[0003] Reinsurance refers to the business in which an insurer partially transfers its own insurance liability to other insurers. The party that cedes the insurance is the original insurer, and the party that accepts the reinsurance is the reinsurer. Therefore, the reinsurance policy is generated on the basis of the original insurance policy. The IFRS17 standard requires an accurate display of the insurance company's liability progress to avoid overestimation or underestimation. The liabilities of the reinsurance policy are an important part of it. Therefore, how to accurately allocate the liabilities of the original insurance policy to the reinsurance policy is a problem that needs to be solved. Summary of the invention

[0004] In order to solve the above technical problems, the present invention provides a policy data allocation method, device, electronic device and computer storage medium, which can accurately allocate the total value to be allocated of the original insurance policy to the reinsurance policy. The specific scheme is as follows:

[0005] In a first aspect, a method for distributing insurance policy data is provided, the method comprising:

[0006] Determine, based on the original insurance policy data in the original insurance policy group, the total value to be allocated of the original insurance policy group and a first total dimension value on the allocation dimension used to allocate the total value to be allocated;

[0007] Determining a second total dimension value of the reinsurance policy group on the allocation dimension according to reinsurance policy data in the reinsurance policy group, wherein the reinsurance policy data is associated with the original insurance policy data;

[0008] Determining a target original insurance policy group associated with the reinsurance policy group;

[0009] According to the target first total dimension value and the second total dimension value of the target original insurance policy group on the allocation dimension, the total value to be allocated is allocated to the reinsurance policy group to obtain an allocation result.

[0010] In a preferred embodiment, the method of determining the total value to be allocated of the original insurance policy group according to the original insurance policy data in the original insurance policy group and the first total dimension value on the allocation dimension for allocating the total value to be allocated includes:

[0011] Acquire the original insurance policy data, wherein the original insurance policy data has a first grouping tag;

[0012] The original insurance policy data is grouped according to the first grouping label to obtain the original insurance policy group.

[0013] In a preferred embodiment, the original insurance policy data further has a value to be allocated and a first dimension value on the allocation dimension;

[0014] The method of determining the total value to be allocated of the original insurance policy group and the first total dimension value on the allocation dimension for allocating the total value to be allocated according to the original insurance policy data in the original insurance policy group comprises:

[0015] Determine the total value to be allocated of the original insurance policy group according to the value to be allocated of the original insurance policy data;

[0016] Determine the first total dimension value of the original insurance policy group based on the first dimension value of the original insurance policy data.

[0017] In a preferred embodiment, before determining the second total dimension value of the reinsurance policy group on the allocation dimension according to the reinsurance policy data in the reinsurance policy group, the method further includes:

[0018] Acquire the reinsurance policy data, wherein the reinsurance policy data has a data attribute, a second dimension value on the allocation dimension, and a second grouping label;

[0019] Grouping the reinsurance policy data with the same data attribute and the second grouping label into the same group to obtain a reinsurance policy group;

[0020] Determining the second total dimension value of the reinsurance policy group on the allocation dimension according to the reinsurance policy data in the reinsurance policy group comprises:

[0021] The second total dimension value of the reinsurance policy group is determined according to the second dimension value of the reinsurance policy data in the reinsurance policy group.

[0022] In a preferred embodiment, the determining of the target original insurance policy group associated with the reinsurance policy group comprises:

[0023] Determine a target first grouping label according to the second grouping label of the reinsurance policy group and the data attribute, and a corresponding relationship between the second grouping label and the first grouping label;

[0024] The target original insurance policy group of the reinsurance policy group is determined according to the target first grouping label.

[0025] In a preferred embodiment, before allocating the total value to be allocated to the reinsurance policy group according to the target first total dimension value and the second total dimension value of the target original insurance policy group on the allocation dimension to obtain the allocation result, the method further includes:

[0026] The reinsurance policy groups having the same second grouping label are grouped into the same set to obtain the reinsurance policy set.

[0027] In a preferred embodiment, allocating the total value to be allocated to the reinsurance policy group according to the target first total dimension value and the second total dimension value of the target original insurance policy group on the allocation dimension to obtain an allocation result includes:

[0028] Determine a ratio of the second total dimension value of each of the reinsurance policy groups in the reinsurance policy set to the target first total dimension value;

[0029] Determine the allocation sub-result of allocating the total value to be allocated to each of the reinsured policy groups according to the ratio;

[0030] The sum of all the allocation sub-results corresponding to the reinsurance policy set is taken as the allocation result.

[0031] In a second aspect, a data distribution device is provided, the device comprising:

[0032] A first determination module, used to determine the total value to be allocated of the original insurance policy group and a first total dimension value on the allocation dimension used to allocate the total value to be allocated according to the original insurance policy data in the original insurance policy group;

[0033] A second determination module, configured to determine a second total dimension value of the reinsurance policy group on the allocation dimension based on reinsurance policy data in the reinsurance policy group, wherein the reinsurance policy data is associated with the original insurance policy data;

[0034] A third determination module is used to determine a target original insurance policy group associated with the reinsurance policy group;

[0035] An allocation module is used to allocate the total value to be allocated to the reinsurance policy group according to the target first total dimension value and the second total dimension value of the target original insurance policy group on the allocation dimension to obtain an allocation result.

[0036] According to a third aspect, an electronic device is provided, including:

[0037] one or more processors; and

[0038] A memory associated with the one or more processors, the memory is used to store program instructions, and when the program instructions are read and executed by the one or more processors, the method as described above is executed.

[0039] According to a fourth aspect, a computer storage medium is provided, wherein a computer program is stored thereon, wherein the program implements the method described above when executed by a processor.

[0040] The present invention has the following technical effects:

[0041] (1) The total value to be allocated is allocated to the reinsurance policy group according to the target first total dimension value and the second total dimension value of the target original insurance policy group on the allocation dimension to obtain the allocation result. Since the target first total dimension value and the second total dimension value on the same dimension can accurately reflect the allocation of the original insurance policy group and the reinsurance policy group, the total value to be allocated in the original insurance policy can be accurately allocated to the reinsurance policy group. When it is applied to determine the loss component of the reinsurance policy, the loss component value of the original insurance policy can be accurately allocated to the reinsurance policy group according to the UPR total value of the target original insurance policy group and the UPR total value of the reinsurance policy group, thereby determining the loss component value of the reinsurance policy group, thereby reasonably and accurately reflecting the liabilities of the insurance company, which is more in line with the requirements of IFRS17.

[0042] (2) Based on the ratio of the second total dimension value of each reinsurance policy group in the reinsurance policy set to the target first total dimension value, the allocation sub-result of the total value to be allocated to each reinsurance policy group is determined according to the ratio, and the sum of all allocation sub-results corresponding to the reinsurance policy set is taken as the allocation result, so as to accurately reflect the loss situation of the reinsurance policy in the dimension of the second grouping label, and then reflect the loss situation of the reinsurance policy in different dimensions, so as to better comply with the requirements of IFRS17. BRIEF DESCRIPTION OF THE DRAWINGS

[0043] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the following briefly introduces the drawings required for use in the description of the embodiments. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0044] Figure 1 is a flow chart of a method for allocating insurance policy data in an embodiment of the present invention;

[0045] Figure 2 A flowchart for determining a total value to be allocated and a first total dimension value in an embodiment of the present invention;

[0046] Figure 3 It is a flow chart of determining a target original insurance policy group in an embodiment of the present invention;

[0047] Figure 4 A flowchart of determining an allocation result in an embodiment of the present invention;

[0048] Figure 5 is a schematic diagram of a device for distributing insurance policy data in an embodiment of the present invention;

[0049] Figure 6 4 is a diagram of the architecture of an electronic device in an embodiment of the present invention. DETAILED DESCRIPTION

[0050] In order to make the purpose, technical solution and advantages of the present invention more clearly understood, the present invention is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present invention and are not intended to limit the present invention.

[0051] The present invention will be further described below with reference to specific embodiments.

[0052] The present invention provides a method for distributing insurance policy data, such as Figure 1 As shown, applied to the server side, the method includes:

[0053] S101. Determine the total value to be allocated of the original insurance policy group and the first total dimension value on the allocation dimension used to allocate the total value to be allocated based on the original insurance policy data in the original insurance policy group.

[0054] In this step, the original insurance policy data includes the signing date, terms, products, policy amount, effective date, etc. The server obtains the original insurance policy data from the insurance business system, and groups the original insurance policy data according to the preset grouping method to obtain the original insurance policy group, and further for each original insurance policy group, determines the total value to be allocated of the original insurance policy group according to all the original insurance policies included, that is, the total value to be allocated is corresponding to the original insurance policy group, and when the loss component applied to the reinsurance policy is determined, the total value to be allocated is the total value of the loss component of the original insurance policy group. After determining the total value to be allocated, it is also necessary to determine the first total dimension value of the original insurance policy group on the allocation dimension used to allocate the total value to be allocated. When the loss component applied to the reinsurance policy is determined, the total value to be allocated is the total value of the loss component of the original insurance policy group. The allocation dimension can be upr (Unearned Premium Reserve, which refers to the reserve set aside by the insurance company to assume future policy liabilities after underwriting). Each original insurance policy data has upr. Therefore, the total upr value of the original insurance policy group can be determined based on each original insurance policy data.

[0055] S102. Determine a second total dimension value of the reinsurance policy group on the allocation dimension according to the reinsurance policy data in the reinsurance policy group, wherein the reinsurance policy data is associated with the original insurance policy data.

[0056] In this step, the reinsurance policy is associated with the original insurance policy. When applied to the loss component allocation of the original insurance policy, the reinsurance policy is the reinsurance policy data. The reinsurance policy data includes the reinsurance amount, the signing date, terms, products, etc. of the reinsurance policy, wherein the reinsurance amount is divided from the original insurance policy amount. The reinsurance policies are grouped according to the preset grouping method to obtain the reinsurance policy group. The preset grouping method of the reinsurance policy group is different from the preset grouping method of the original insurance policy group. When the loss component applied to the reinsurance policy is determined, the original insurance policy group can be grouped according to the type of product, and the reinsurance policy group can be grouped according to the product and policy year. Further, after determining the reinsurance policy group, the second total dimension value of the reinsurance policy group on the allocation dimension is determined according to the reinsurance policy data. When the loss component applied to the reinsurance policy is determined, each reinsurance policy corresponds to UPR. Therefore, the total UPR value of the reinsurance policy group can be determined according to each reinsurance policy.

[0057] S103. Determine the target original insurance policy group associated with the reinsurance policy group.

[0058] In this step, after determining the original insurance policy group and the reinsurance policy group, it is necessary to associate the reinsurance policy group with the original insurance policy group. Thus, for each reinsurance policy group, the target source data group associated with it is determined. When determining the loss component of the reinsurance policy, it is necessary to determine the original insurance policy group associated with the reinsurance policy group.

[0059] S104. Allocate the total value to be allocated to the reinsurance policy group according to the target first total dimension value and the second total dimension value of the target original insurance policy group in the allocation dimension to obtain an allocation result.

[0060] In this step, after determining the target original insurance policy group, further obtain its target first total dimension value and the second total dimension value of the reinsurance policy group, and allocate the total value to be allocated to the reinsurance policy group based on these two values. When applied to the calculation of the loss component of the reinsurance policy, the total value of the loss component of the original insurance policy group is allocated to the reinsurance policy group based on the UPR total value of the target original insurance policy group and the UPR total value of the reinsurance policy group, thereby obtaining the loss component value of the reinsurance policy group.

[0061] In the present invention, the total value to be allocated of the original insurance policy group and the first total dimension value on the allocation dimension for allocating the total value to be allocated are determined according to the original insurance policy data in the original insurance policy group, the second total dimension value of the reinsurance policy group on the allocation dimension is determined according to the reinsurance policy data in the reinsurance policy group, the target original insurance policy group associated with the reinsurance policy group is determined, and the total value to be allocated is allocated to the reinsurance policy group according to the target first total dimension value and the second total dimension value on the allocation dimension to obtain the allocation result. Since, in the same The target first total dimension value and the second total dimension value on the dimension can accurately reflect the distribution of the original insurance policy group and the reinsurance policy group, so as to accurately allocate the total value to be distributed in the original insurance policy to the reinsurance policy group. When applied to the loss component determination of the reinsurance policy, the loss component value of the original insurance policy group can be accurately allocated to the reinsurance policy based on the target original insurance policy group UPR total value and the reinsurance policy group UPR total value, thereby reasonably and accurately reflecting the liabilities of the insurance company and being more in line with the requirements of IFRS17 standards.

[0062] It should be emphasized that when the method in the present invention is applied to determine the loss component of a reinsurance policy, the allocation dimension is not limited to upr, but can also be other values ​​of the original insurance policy, such as EP (earned premium). As long as the above method in the present invention can be implemented, no examples will be given here one by one.

[0063] In a preferred embodiment, S101, determining the total value to be allocated of the original insurance policy group according to the original insurance policy data in the original insurance policy group and the first total dimension value on the allocation dimension for allocating the total value to be allocated, comprises:

[0064] Obtaining original insurance policy data, wherein the original insurance policy data has a first grouping tag;

[0065] The original insurance policy data is grouped according to the first grouping label to obtain an original insurance policy group.

[0066] In this embodiment, when applied to the calculation of the loss component of the reinsurance policy, the server side obtains the original insurance policy data from the insurance business system. Each original insurance policy has a first grouping label, which can be a product type, a clause type, etc. The original insurance policies with the same first grouping label are grouped into the same group to obtain an original insurance policy group. For example, the original insurance policy data of the same product are grouped into the same original insurance policy group.

[0067] In the present invention, the original insurance policy data is grouped according to the first grouping label it has, thereby improving the grouping efficiency of the original insurance policies.

[0068] In a preferred embodiment, Figure 2As shown, the original insurance policy data also has a value to be allocated and a first dimension value on the allocation dimension;

[0069] S101, determining the total value to be allocated of the original insurance policy group according to the original insurance policy data in the original insurance policy group and the first total dimension value in the allocation dimension for allocating the total value to be allocated includes:

[0070] S1011, determining the total value to be allocated of the original insurance policy group according to the value to be allocated of the original insurance policy data;

[0071] S1012. Determine the first total dimension value of the original insurance policy group based on the first dimension value of the original insurance policy data.

[0072] In this embodiment, in addition to the first grouping label, each original insurance policy also has a value to be allocated and a first dimension value on the allocation dimension. Therefore, when calculating the total value to be allocated and the first total dimension value, the total value to be allocated of the original insurance policy group is determined according to the value to be allocated of the original insurance policy data, and the first total dimension value of the original insurance policy group is determined according to the first dimension value of the original insurance policy data. When applied to the determination of the loss component of the reinsurance policy, each original insurance policy data has a loss component value and upr. The total loss component value and the total upr are calculated according to the loss component value and upr of each policy in the original insurance policy group. Specifically, each is calculated. The optimal estimated present value of liabilities corresponding to the new policy in the original insurance policy, the present value of the original insurer's bad debt risk, and the risk-adjusted present value. The sum of these three values ​​is the difference between the liabilities and income of the original insurance policy. Therefore, the loss component value of the original insurance policy = Max{0, (optimal estimated present value of liabilities + present value of the original insurer's bad debt risk + risk-adjusted present value)}, that is, if the difference between liabilities and income is greater than 0, it means there is a loss. At this time, the loss component value of the original insurance policy is the optimal estimated present value of liabilities + present value of the original insurer's bad debt risk + risk-adjusted present value. If the difference between liabilities and income is less than 0, it means there is no loss. At this time, the loss component value of the original insurance policy is 0.

[0073] In a preferred embodiment, before S102, determining the second total dimension value of the reinsurance policy group on the allocation dimension according to the reinsurance policy data in the reinsurance policy group, the method further includes:

[0074] Acquire reinsurance policy data, wherein the reinsurance policy data has a data attribute, a second dimension value on the allocation dimension, and a second grouping label;

[0075] Grouping reinsurance policy data with the same data attributes and second grouping labels into the same group to obtain a reinsurance policy group;

[0076] S102, determining the second total dimension value of the reinsurance policy group on the allocation dimension according to the reinsurance policy data in the reinsurance policy group includes:

[0077] A second total dimension value of the reinsurance policy group is determined according to the second dimension value of the reinsurance policy data in the reinsurance policy group.

[0078] In this embodiment, the reinsurance policy has data attributes, a second dimension value on the allocation dimension, and a second grouping label. When applied to determine the loss component of the reinsurance policy, the data attribute can be data on terms, policy years, etc. to characterize the reinsurance policy attributes. The second dimension value is the upr value corresponding to each reinsurance policy, and the second grouping label is the grouping label corresponding to each reinsurance policy. When grouping the reinsurance policies, the reinsurance policies with the same data attributes and second grouping labels are grouped into the same group to obtain a reinsurance policy group, and the total upr of the reinsurance policy group is calculated based on the upr of the reinsurance policy.

[0079] In the present invention, the reinsurance policy data are grouped according to data attributes and second grouping labels, so that the reinsurance policy data with the same data attributes and second grouping labels are grouped into the same reinsurance policy group, and the second total dimension value is further determined according to the second dimension value of the reinsurance policy data, thereby improving the accuracy of the second total dimension value of the reinsurance policy group.

[0080] In a preferred embodiment, Figure 3 As shown, S103, determining the target original insurance policy group associated with the reinsurance policy group includes:

[0081] S1031, determining a target first grouping label according to the second grouping label and data attributes of the reinsurance policy group, and the corresponding relationship between the second grouping label and the first grouping label;

[0082] S1032. Determine the target original insurance policy group of the reinsurance policy group according to the target first grouping label.

[0083] In this embodiment, the data attributes and the second grouping label uniquely correspond to the target first grouping label, thereby, the reinsurance policy group can be uniquely corresponded to the target original insurance policy group. When it is applied to the loss component allocation of the original insurance policy, the original insurance policy group 1 has the grouping label A1, the original insurance policy group 2 has the grouping label A2, the original insurance policy group 3 has the grouping label A3, and the reinsurance policy group 1 has the grouping label B1, the data attribute C1, thereby, according to the data attributes and the correspondence between the second grouping label and the first grouping label, it can be determined that B1 and C1 correspond to A1, and then according to A1, the target original insurance policy group is determined to be the original insurance policy group 1.

[0084] In the present invention, the target first grouping label is determined according to the data attributes and the corresponding relationship between the second grouping label and the first grouping label, and the target original insurance policy group is determined according to the target first grouping label, thereby determining the original insurance policy group that uniquely corresponds to the reinsurance policy group, avoiding repeated calculations and improving the accuracy of the loss component allocation of the original insurance policy.

[0085] In a preferred embodiment, before S104, allocating the total value to be allocated to the reinsurance policy group according to the target first total dimension value and the second total dimension value of the target original insurance policy group in the allocation dimension to obtain the allocation result, the method further includes:

[0086] The reinsurance policy groups having the same second grouping label are grouped into the same set to obtain a reinsurance policy set.

[0087] In this embodiment, in order to reflect the allocation result on the dimension of the second grouping label, before allocating the total value to be allocated to the reinsurance policy group according to the target first total dimension value and the second total dimension value of the target original insurance policy group on the allocation dimension to obtain the allocation result, it is also necessary to group the reinsurance policy groups with the same second grouping label into the same set to obtain the reinsurance policy set. When the loss component applied to the reinsurance policy is determined, for example, the first grouping label is the product, the second grouping label is the product, and the data attribute is the policy year, then, after determining that the reinsurance policy group is grouped according to the same product and policy year, the reinsurance policy groups with the same product are grouped together to obtain the reinsurance policy set, thereby determining the allocation result on the dimension of the same reinsurance product.

[0088] In the present invention, reinsurance policy groups with the same second grouping label are grouped into the same set to obtain a reinsurance policy set, thereby reflecting the allocation result on the dimension of the second grouping label. When it is applied to the loss component allocation of the original insurance policy, the loss component of the reinsurance policy can be reflected on different dimensions according to the requirements of IFRS17 to obtain allocation results on different dimensions.

[0089] In a preferred embodiment, Figure 4 As shown, S104, allocating the total value to be allocated to the reinsurance policy group according to the target first total dimension value and the second total dimension value of the target original insurance policy group in the allocation dimension to obtain the allocation result includes:

[0090] S1041. Determine the ratio of the second total dimension value of each reinsurance policy group in the reinsurance policy set to the target first total dimension value;

[0091] S1042, determining the allocation sub-result of the total value to be allocated to each reinsurance policy group according to the ratio;

[0092] S1043. The sum of all allocation sub-results corresponding to the reinsurance policy set is taken as the allocation result.

[0093] In this embodiment, when it is applied to determine the loss component of a reinsurance policy, for example, the reinsurance policy data set 1 includes two reinsurance policy groups B1 and B2, which correspond to the original insurance policy groups A1 and A2, respectively, and the corresponding loss component values ​​are k1 and k2, respectively. Then, the loss component value of the reinsurance policy data set 1 is B1 / A1*k1+B2 / A2*k2.

[0094] In the present invention, according to determining the ratio of the second total dimension value of each reinsurance policy group in the reinsurance policy set to the target first total dimension value, the allocation sub-result of the total value to be allocated to each reinsurance policy group is determined according to the ratio, and the sum of all allocation sub-results corresponding to the reinsurance policy set is taken as the allocation result, so that the loss component value on the dimension of the second grouping label can be accurately determined, which not only determines the allocation result of the loss component of the reinsurance policy, but also the dimension of the loss component meets the requirements of IFRS17.

[0095] The method of the present invention will be described below with reference to a specific example. It is assumed that the month for assessing the loss component of the reinsurance policy is June 2020, and the allocation dimension is upr:

[0096] S401. Obtain all original insurance policies for 2020.

[0097] S402: Group the original insurance policies with the same first grouping label into the same group.

[0098] S402. Calculate the UPR of the original insurance policy.

[0099] S403: Sort the UPR details under the original policy group in ascending order by policy month, add up the UPR values ​​corresponding to June 2020, and obtain the total UPR of the original policy group;

[0100] Assume that there are 100 original insurance policies, which are grouped according to the first grouping label:

[0101] The original policy group 1, groupcodeA1, calculates the total upr to be 90;

[0102] The original policy group 2, groupcodeA2, has a calculated total upr of 100;

[0103] The original policy group 3, groupcodeA3, has a calculated total upr of 70.

[0104] S404, calculating the loss value k1 of the original insurance policy group 1; the loss value k2 of the original insurance policy group 2; and the loss value k3 of the original insurance policy group 3.

[0105] S405. Obtain the reinsurance policies of the 100 original insurance policies, and group the reinsurance policies with the same second grouping label and data attributes into one group.

[0106] S406. Calculate the UPR of the reinsurance policy.

[0107] S407. Sort the UPR details under the reinsurance policy group in ascending order by policy month, add up the UPR values ​​corresponding to June 2020, and obtain the total UPR of the reinsurance policy group;

[0108] Assume that the above 100 original insurance policies correspond to 100 reinsurance policies, which are divided into the following according to the second grouping label, terms, and policy years:

[0109] Reinsurance policy group 1, Groupcode B1-Clause 1-Policy Year 1, has 25 policies and a total upr of 15;

[0110] Reinsurance policy group 2, Groupcode B1-Clause 2-Policy year 1, has 25 policies and a total upr of 16;

[0111] Reinsurance policy group 3, GroupcodeB2-Clause 1-Policy year 2, has 25 policies and a total upr of 17; Reinsurance policy group 4, GroupcodeB2-Clause 2-Policy year 2, has 25 policies and a total upr of 18.

[0112] S408, determining a target first grouping label according to the second grouping label and the data attribute, and determining a target original insurance policy group according to the target first grouping label;

[0113] According to groupcodeB1, clause 1 and policy year 1, get the original policy group 1 corresponding to the reinsurance policy group 1;

[0114] Similarly, the original insurance policy group 2 corresponding to the reinsured policy group 2;

[0115] Similarly, the original insurance policy group 2 corresponds to the reinsured policy group 3;

[0116] Similarly, reinsurance policy group 4 corresponds to original insurance policy group 3.

[0117] S408, grouping the reinsurance policy groups having the same second grouping label into the same set to obtain a reinsurance policy set;

[0118] Continuing with the above example, reinsurance policy set 1, corresponding to GroupcodeB1, includes reinsurance policy group 1 and reinsurance policy group 2;

[0119] Reinsurance policy set 1, corresponding to GroupcodeB1, includes reinsurance policy group 1 and reinsurance policy group 2.

[0120] S409, traverse the reinsurance policy set 1. In June, in the dimension of the first grouping label, the loss component of the reinsurance policy set 1 is (15 / 90)*k1+(16 / 100)*k2;

[0121] Traversing through reinsurance policy set 2, in the evaluation month of June, in the dimension of the first grouping label, the loss component of reinsurance policy set 1 is (17 / 100)*k2+(18 / 70)*k3.

[0122] In this way, the loss component of the original insurance policy is reasonably and accurately allocated to the reinsurance policy, and the loss component is obtained in the dimension of the second grouping label, thus meeting the requirements of IFRS17 standards.

[0123] The present invention also provides a data distribution device, such as Figure 5 As shown, the device comprises:

[0124] A first determination module 501 is used to determine the total value to be allocated of the original insurance policy group and a first total dimension value on the allocation dimension for allocating the total value to be allocated according to the original insurance policy data in the original insurance policy group;

[0125] A second determining module 502 is used to determine a second total dimension value of the reinsurance policy group on the allocation dimension according to the reinsurance policy data in the reinsurance policy group, wherein the reinsurance policy data is associated with the original insurance policy data;

[0126] The third determination module 503 is used to determine the target original insurance policy group associated with the reinsurance policy group;

[0127] The allocation module 504 is used to allocate the total value to be allocated to the reinsurance policy group according to the target first total dimension value and the second total dimension value of the target original insurance policy group on the allocation dimension to obtain the allocation result.

[0128] In a preferred embodiment, the device further comprises an acquisition module for acquiring original insurance policy data, wherein the original insurance policy data has a first grouping tag;

[0129] The grouping module is used to group the original insurance policy data according to the first grouping label to obtain the original insurance policy group.

[0130] In a preferred embodiment, the original insurance policy data also has a value to be allocated and a first dimension value in the allocation dimension;

[0131] The first determination module 501 is also used to determine the total value to be allocated of the original insurance policy group according to the value to be allocated of the original insurance policy data; and to determine the first total dimension value of the original insurance policy group according to the first dimension value of the original insurance policy data.

[0132] In a preferred embodiment, the acquisition module is further used to acquire reinsurance policy data, wherein the reinsurance policy data has a data attribute, a second dimension value on the allocation dimension, and a second grouping label;

[0133] The grouping module is also used to group the reinsurance policy data with the same data attribute and the second grouping tag into the same group to obtain a reinsurance policy group;

[0134] The second determining module 502 is further configured to determine a second total dimension value of the reinsurance policy group according to the second dimension value of the reinsurance policy data in the reinsurance policy group.

[0135] In a preferred embodiment, the third determination module 503 is further used to determine the target first grouping label according to the second grouping label and data attributes of the reinsurance policy group, and the correspondence between the second grouping label and the first grouping label; and determine the target original insurance policy group of the reinsurance policy group according to the target first grouping label.

[0136] In a preferred embodiment, the grouping module is further used to group reinsurance policy groups having the same second grouping tag into the same set to obtain a reinsurance policy set.

[0137] In a preferred embodiment, the allocation module 504 is also used to determine the ratio of the second total dimension value of each reinsurance policy group in the reinsurance policy set to the target first total dimension value; determine the allocation sub-result of allocating the total value to be allocated to each reinsurance policy group based on the ratio; and take the sum of all allocation sub-results corresponding to the reinsurance policy set as the allocation result.

[0138] For the technical effects that can be achieved by this embodiment, please refer to the description in Embodiment 1, which will not be repeated here.

[0139] The present invention also provides an electronic device, characterized in that it includes:

[0140] one or more processors; and

[0141] A memory associated with the one or more processors, the memory is used to store program instructions, and when the program instructions are read and executed by the one or more processors, the policy data distribution method of the present invention is executed.

[0142] The present invention also provides a computer-readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, the insurance policy data distribution method as described above is implemented. The execution process of the method and the technical effects that can be achieved are described above and will not be repeated here.

[0143] Among them, among them, Figure 6The architecture of the electronic device is shown as an example, which may include a processor 610, a video display adapter 611, a disk drive 612, an input / output interface 613, a network interface 614, and a memory 620. The processor 610, the video display adapter 611, the disk drive 612, the input / output interface 613, the network interface 614, and the memory 620 may be communicatively connected via a communication bus 630.

[0144] Among them, the processor 610 can be implemented by a general-purpose CPU (Central Processing Unit), a microprocessor, an application-specific integrated circuit (Application Specific Integrated Circuit, ASIC), or one or more integrated circuits, and is used to execute relevant programs to implement the technical solution provided in this application.

[0145] The memory 620 can be implemented in the form of ROM (Read Only Memory), RAM (Random Access Memory), static storage device, dynamic storage device, etc. The memory 620 can store an operating system 621 for controlling the operation of the computer system and a basic input and output system (BIOS) for controlling the low-level operation of the computer system. In addition, a web browser 623, a data storage management system 624, and a device identification information processing system 625, etc. can also be stored. The above-mentioned device identification information processing system 625 can be an application program that specifically implements the operations of the aforementioned steps in the embodiment of the present application. In short, when the technical solution provided by the present application is implemented by software or firmware, the relevant program code is stored in the memory 620 and is called and executed by the processor 610.

[0146] The input / output interface 613 is used to connect the input / output module to realize information input and output. The input / output module can be configured in the device as a component (not shown in the figure), or it can be externally connected to the device to provide corresponding functions. The input device may include a keyboard, a mouse, a touch screen, a microphone, various sensors, etc., and the output device may include a display, a speaker, a vibrator, an indicator light, etc.

[0147] The network interface 614 is used to connect to a communication module (not shown) to realize communication interaction between the device and other devices. The communication module can realize communication through a wired mode (such as USB, network cable, etc.) or a wireless mode (such as mobile network, WIFI, Bluetooth, etc.).

[0148] The bus 630 comprises a pathway for transmitting information between the various components of the device (eg, the processor 610, the video display adapter 611, the disk drive 612, the input / output interface 613, the network interface 614, and the memory 620).

[0149] It should be noted that, although the above device only shows a processor 610, a video display adapter 611, a disk drive 612, an input / output interface 613, a network interface 614, a memory 620, a bus 630, etc., in the specific implementation process, the device may also include other components necessary for normal operation. In addition, it can be understood by those skilled in the art that the above device may also only include components necessary for implementing the solution of the present application, and does not necessarily include all the components shown in the figure.

[0150] The present invention also provides a computer storage medium for executing the visual server management method of the present invention.

[0151] An embodiment of the present invention includes a computer program product, which includes a computer program carried on a computer readable medium, and the computer program includes a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through a communication device, or installed from a memory, or installed from a ROM. When the computer program is executed by a processor, the above functions defined in the method of the embodiment of the present invention are executed.

[0152] It should be noted that the computer-readable medium of the embodiment of the present invention may be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two. The computer-readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In an embodiment of the present invention, a computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, device or device. In an embodiment of the present invention, a computer-readable signal medium may include a data signal propagated in a baseband or as part of a carrier wave, which carries a computer-readable program code. This propagated data signal may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. The computer readable signal medium may also be any computer readable medium other than a computer readable storage medium, which may send, propagate or transmit a program for use by or in conjunction with an instruction execution system, apparatus or device. The program code contained on the computer readable medium may be transmitted using any suitable medium, including but not limited to: wires, optical cables, RF (Radio Frequency), etc., or any suitable combination of the above.

[0153] The computer-readable medium may be included in the server; or it may exist independently without being installed in the server. The computer-readable medium carries one or more programs. When the one or more programs are executed by the server, the server: in response to detecting that the peripheral mode of the terminal is not activated, obtains the frame rate of the application on the terminal; when the frame rate meets the screen-off condition, determines whether the user is obtaining the screen information of the terminal; in response to the judgment result that the user is not obtaining the screen information of the terminal, controls the screen to enter the immediate dimming mode.

[0154] Computer program code for performing the operations of embodiments of the present invention may be written in one or more programming languages ​​or a combination thereof, including object-oriented programming languages, such as Java, Smalltalk, C++, and conventional procedural programming languages, such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a separate software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer via any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0155] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can refer to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system or system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can refer to the partial description of the method embodiment. The system and system embodiments described above are merely schematic, wherein the units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, they may be located in one place, or they may be distributed on multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the scheme of this embodiment. Ordinary technicians in this field can understand and implement it without creative work.

[0156] The above is a detailed introduction to the insurance policy data distribution method, system and computer storage medium provided by the present invention. This article uses specific examples to illustrate the principles and implementation methods of the present invention. The above examples are only used to help understand the method and core ideas of the present invention. At the same time, for those skilled in the art, according to the ideas of the present invention, there will be changes in the specific implementation methods and application scopes. In summary, the content of this specification should not be understood as limiting the present invention.

Claims

1. A method for distributing insurance policy data, characterized in that: The method comprises: Determine the total value to be allocated of the original insurance policy group and a first total dimension value on the allocation dimension used to allocate the total value to be allocated according to the original insurance policy data in the original insurance policy group, wherein the original insurance policy data has a first grouping label; Determining a second total dimension value of the reinsurance policy group on the allocation dimension according to reinsurance policy data in the reinsurance policy group, wherein the reinsurance policy data is associated with the original insurance policy data, and the reinsurance policy data has a data attribute and a second grouping label; Determining a target original insurance policy group associated with the reinsurance policy group includes: determining a target first grouping label according to a second grouping label of the reinsurance policy group and the data attribute, and a corresponding relationship between the second grouping label and the first grouping label; determining a target original insurance policy group of the reinsurance policy group according to the target first grouping label; Allocate the total value to be allocated to the reinsurance policy group according to the target first total dimension value and the second total dimension value of the target original insurance policy group on the allocation dimension to obtain an allocation result; Before allocating the total value to be allocated to the reinsurance policy group according to the target first total dimension value and the second total dimension value of the target original insurance policy group on the allocation dimension to obtain the allocation result, the method further includes: Grouping the reinsurance policies having the same second grouping label into the same set to obtain a reinsurance policy set; The step of allocating the total value to be allocated to the reinsurance policy group according to the target first total dimension value and the second total dimension value of the target original insurance policy group on the allocation dimension to obtain an allocation result comprises: Determine a ratio of the second total dimension value of each of the reinsurance policy groups in the reinsurance policy set to the target first total dimension value; Determine the allocation sub-result of allocating the total value to be allocated to each of the reinsurance policy groups according to the ratio; The sum of all the allocation sub-results corresponding to the reinsurance policy set is taken as the allocation result.

2. The method according to claim 1, characterized in that The method of determining the total value to be allocated of the original insurance policy group according to the original insurance policy data in the original insurance policy group and the first total dimension value on the allocation dimension for allocating the total value to be allocated comprises: Obtaining the original insurance policy data; The original insurance policy data is grouped according to the first grouping label to obtain the original insurance policy group.

3. The method according to claim 2, characterized in that The original insurance policy data also has a value to be allocated and a first dimension value on the allocation dimension; The method of determining the total value to be allocated of the original insurance policy group and the first total dimension value on the allocation dimension for allocating the total value to be allocated according to the original insurance policy data in the original insurance policy group comprises: Determine the total value to be allocated of the original insurance policy group according to the value to be allocated of the original insurance policy data; The first total dimension value of the original insurance policy group is determined according to the first dimension value of the original insurance policy data.

4. The method according to claim 2 or 3, characterized in that: Before determining the second total dimension value of the reinsurance policy group on the allocation dimension according to the reinsurance policy data in the reinsurance policy group, the method further includes: Acquire the reinsurance policy data, wherein the reinsurance policy data further has a second dimension value on the allocation dimension; Grouping the reinsurance policy data with the same data attribute and the second grouping label into the same group to obtain a reinsurance policy group; Determining the second total dimension value of the reinsurance policy group on the allocation dimension according to the reinsurance policy data in the reinsurance policy group comprises: The second total dimension value of the reinsurance policy group is determined according to the second dimension value of the reinsurance policy data in the reinsurance policy group.

5. A device for implementing the insurance policy data distribution method according to claim 1, characterized in that: The device comprises: A first determination module, used to determine the total value to be allocated of the original insurance policy group and a first total dimension value on the allocation dimension used to allocate the total value to be allocated according to the original insurance policy data in the original insurance policy group; A second determination module, configured to determine a second total dimension value of the reinsurance policy group on the allocation dimension based on reinsurance policy data in the reinsurance policy group, wherein the reinsurance policy data is associated with the original insurance policy data; A third determination module is used to determine a target original insurance policy group associated with the reinsurance policy group; An allocation module is used to allocate the total value to be allocated to the reinsurance policy group according to the target first total dimension value and the second total dimension value of the target original insurance policy group on the allocation dimension to obtain an allocation result.

6. An electronic device, characterized in that: include: one or more processors; as well as A memory associated with the one or more processors, the memory being used to store program instructions, wherein when the one or more processors read and execute the program instructions, the method according to any one of claims 1 to 4 is executed.

7. A computer storage medium, characterized in that: A computer program is stored thereon, wherein when the program is executed by a processor, the method according to any one of claims 1 to 4 is implemented.

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