Insurance policy cost accounting method and device, computer equipment and storage medium

Abstract

The invention relates to the technical field of data processing, in particular to an insurance policy cost accounting method and device, computer equipment and a storage medium, target claim payment information is obtained according to a claimed insurance policy, an institution claim payment ratio is obtained according to the target claim payment information and total claim payment information, a credibility value is obtained through the target insurance policy information, and the claim payment ratio is calculated according to the credibility value. And according to the cost ratio, obtaining the allocated loss cost, and according to the institution claim ratio, the institution credibility value and the allocated loss cost, obtaining the adjusted insurance premium of the insurance policy. The technical scheme of the application can be applied to insurance policy business management program systems such as property insurance claim settlement, medical health care and the like, and the shared loss cost is obtained through sharing the credibility value and the institution claim proportion according to the expense occupation ratio of each support project on the delivery platform, so that the loss cost is saved. And adjusting the insurance premium of the insurance policy according to the institution credibility value, the institution compensation proportion and the apportioned cost. Therefore, the influence factors of the insurance policy cost are automatically analyzed, and the insurance premium of the insurance policy is accurately adjusted.

Description

Technical Field

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

[0002] Policy cost accounting is an important part of insurance company operation and management. Accurate cost accounting can not only help insurance companies set reasonable prices, but also effectively control risks and improve profitability. Traditional policy cost accounting methods usually rely on historical claims data and simple cost allocation models. These methods often have difficulty in providing accurate cost estimates when faced with complex market environments and diverse policy types.

[0003] At present, most policy cost accounting methods mainly rely on historical claims data and simple expense sharing models. However, factors such as the underwriting structure of the product and each underwriting institution, the level of claims, and the actual expenses of each platform have a great impact on policy cost accounting, resulting in most policy cost accounting failing to reflect the differences between institutions and platforms, leading to inaccurate analysis results, lack of recognition by institutional data users and relevant persons in charge, frequent consultations, and the need to constantly adjust parameters, resulting in long and volatile development investment, which further leads to the failure to meet users' demand for the use of policy costs in a timely manner. Not only is user satisfaction affected, but operating costs at all levels are also high.

[0004] First, most policy cost accounting methods rely too much on historical claims data and are unable to cope with changes in the market environment and the emergence of new risks. For example, in the property insurance claims business in the financial field, external factors such as natural disasters and economic fluctuations may lead to a significant increase in claims risks, but traditional methods cannot reflect these changes in a timely manner, resulting in insurance companies being insufficiently prepared when dealing with unexpected risks. Failure to adjust cost accounting parameters in a timely manner may cause insurance companies to face greater financial pressure in major claims events.

[0005] Secondly, most insurance policy cost accounting methods adopt a simple average sharing method, which cannot accurately reflect the actual cost share of each insurance policy delivery platform. In the field of medical and health care, medical institutions with high claim ratios may bear excessive costs due to inaccurate accounting, while medical institutions with low claim ratios may not obtain the cost advantages they deserve, affecting the enthusiasm of medical institutions to cooperate with insurance companies.

[0006] Therefore, how to automatically analyze the factors that affect the cost of insurance policies in order to accurately adjust the premiums of the policies has become an urgent problem to be solved. Summary of the invention

[0007] The embodiments of the present invention provide a method, apparatus, computer equipment and storage medium for calculating insurance policy costs, so as to solve the problem of how to automatically analyze the factors affecting the insurance policy costs so as to accurately adjust the insurance policy premiums.

[0008] In a first aspect, an embodiment of the present invention provides a method for calculating insurance policy costs, which includes: Obtain target policy information of target policies of the institution to be analyzed within a preset time period, obtain target compensation information based on the paid policies in the target policy information, and obtain the institutional compensation ratio of the institution to be analyzed based on the target compensation information and the total compensation information of all institutions within the preset time period; According to all the insurance policy amounts in the target insurance policy information, combined with a preset credibility threshold, the institutional credibility value of the institution to be analyzed is calculated; Obtain the insurance policy delivery platform connected to the institution to be analyzed, determine the cost ratio of each supporting project on each insurance policy delivery platform, and apportion the platform loss cost in the target insurance policy information according to the cost ratio to obtain the apportioned loss cost of each insurance policy delivery platform; According to the proportion of the institution's claims, the institution's trust value and the shared loss expenses, the policy cost of the target policy under each policy delivery platform is calculated to obtain the cost of the corresponding policy delivery platform, and the premium of the target policy is adjusted according to the cost to obtain the adjusted policy premium.

[0009] In a second aspect, an embodiment of the present invention provides a policy cost accounting device, characterized in that it includes: An institutional compensation calculation module is used to obtain target policy information of target policies of the institution to be analyzed within a preset time period, obtain target compensation information based on the paid policies in the target policy information, and obtain the institutional compensation ratio of the institution to be analyzed based on the target compensation information and the total compensation information of all institutions within the preset time period; An institution trust value calculation module, used to calculate the institution trust value of the institution to be analyzed based on all the policy amounts in the target policy information and a preset trust threshold; A loss allocation module is used to obtain the insurance policy placement platform connected to the institution to be analyzed, determine the cost ratio of each supporting project on each insurance policy placement platform, and allocate the platform loss cost in the target insurance policy information according to the cost ratio to obtain the allocated loss cost of each insurance policy placement platform; The premium adjustment module is used to calculate the policy cost of the target policy under each policy delivery platform according to the institution's claim payment ratio, the institution's trust value and the shared loss expenses, obtain the cost of the corresponding policy delivery platform, adjust the premium of the target policy according to the cost, and obtain the adjusted policy premium.

[0010] In a third aspect, an embodiment of the present invention provides a computer device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the above-mentioned insurance policy cost accounting method when executing the computer program.

[0011] In a fourth aspect, an embodiment of the present invention provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and the computer program implements the above-mentioned insurance policy cost accounting method when executed by a processor.

[0012] Compared with the prior art, the present invention has the following beneficial effects: by obtaining the target policy information of the target policy of the institution to be analyzed within a preset time period, the institutional trust value of the institution to be analyzed is calculated according to all policy quantities in the target policy information and a preset trust threshold, the target compensation information is obtained according to the paid policies in the target policy information, the institutional compensation ratio of the institution to be analyzed is obtained according to the target compensation information and the total compensation information of all institutions within the preset time period, the policy delivery platform connected to the institution to be analyzed is obtained, the cost ratio of each supporting project on each policy delivery platform is determined, the platform loss cost in the target policy information is apportioned according to the cost ratio, and the apportioned loss cost of each policy delivery platform is obtained, the policy cost of the target policy under each policy delivery platform is calculated according to the institutional compensation ratio, the institutional trust value and the apportioned loss cost, and the cost of the corresponding policy delivery platform is obtained, and the premium of the target policy is adjusted according to the cost to obtain the adjusted policy premium. The technical solution of this application can be applied to the policy management program system of property insurance claims, medical health and pension, etc. The institutional trust value and institutional compensation ratio of the institution to be analyzed are calculated through the target policy information, and the apportionment is performed according to the cost occupancy ratio of each supporting project on the policy delivery platform to obtain the apportioned loss cost of each policy delivery platform, and the policy premium is adjusted according to the institutional trust value, institutional compensation ratio and apportioned cost. In this way, the factors affecting the cost of the policy are automatically analyzed to accurately adjust the premium of the policy. BRIEF DESCRIPTION OF THE DRAWINGS

[0013] In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the accompanying drawings required for use in the description of the embodiments of the present invention will be briefly introduced below. Obviously, the accompanying drawings in the following description are only some embodiments of the present invention. For ordinary technicians in this field, other accompanying drawings can be obtained based on these accompanying drawings without paying creative labor.

[0014] Figure 1 This is a schematic diagram of an application environment of an insurance policy cost accounting method provided by the first embodiment of the present invention; Figure 2 It is a flowchart of a method for calculating insurance policy cost provided in the second embodiment of the present invention; Figure 3 It is a flowchart of a method for calculating insurance policy cost provided by Embodiment 3 of the present invention; Figure 4 It is a flowchart of a method for calculating insurance policy cost provided by the fourth embodiment of the present invention; Figure 5 It is a flowchart of a method for calculating insurance policy cost provided in Embodiment 5 of the present invention; Figure 6 It is a flowchart of a method for calculating insurance policy cost provided by Embodiment 6 of the present invention; Figure 7 It is a structural schematic diagram of an insurance policy cost accounting device provided by Embodiment 7 of the present invention; Figure 8 It is a structural diagram of a computer device provided in Embodiment 8 of the present invention. DETAILED DESCRIPTION

[0015] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0016] like Figure 1 As shown, it is a schematic diagram of the application environment of a method for cost accounting of insurance policies provided in the first embodiment of the present invention, wherein the client and the server are connected to communicate, and the user can provide the server with conditions, requirements and operation instructions for cost accounting of insurance policies by operating the client, and the server is used to execute the method for cost accounting of insurance policies of the present invention according to the relevant content sent by the client. The client includes but is not limited to computer devices such as various personal computers, laptops, smart phones, tablet computers and portable wearable devices. The computer device corresponding to the server can be implemented with an independent server or a server cluster composed of multiple servers.

[0017] like Figure 2 FIG. 1 is a flow chart of a method for calculating insurance policy cost provided by Embodiment 2 of the present invention, wherein the method for calculating insurance policy cost is applied in Figure 1 The policy cost accounting method may include the following steps: Step S201, obtain the target policy information of the target policy of the institution to be analyzed within the preset time period, obtain the target compensation information based on the paid policies in the target policy information, and obtain the institutional compensation ratio of the institution to be analyzed based on the target compensation information and the total compensation information of all institutions within the preset time period.

[0018] The target policy information may be obtained through the insurance company's internal policy management system, which records detailed information on all policies, or data provided by the insurance company's cooperative organizations, suppliers, service platforms, etc.

[0019] The content of the target insurance policy information includes, but is not limited to, the insurance policy number, the insured person information, the insurance policy type, the insurance policy amount, the insurance date and the claim status.

[0020] Among them, the policy type may refer to fire insurance, accident insurance, etc. The policy amount may refer to the premium amount and the insured amount of the policy. The claim status may refer to whether a claim has been made, the date, amount and reason of the claim, etc.

[0021] The target policy information of the institution to be analyzed and the total payment information of all institutions within a certain period of time are used to screen out the paid policies, and the target payment information of these paid policies is obtained. The target payment information includes but is not limited to the claim amount and claim type. The claim amount may refer to the actual payment amount of each claim, etc.

[0022] The claim amount of the institution to be analyzed is compared with the total claim amount of all institutions to obtain the institutional compensation ratio of the institution to be analyzed, which facilitates the subsequent analysis and comparison of each institution.

[0023] Optionally, obtaining the institutional payment ratio of the institution to be analyzed according to the target payment information and the total payment information of all institutions within a preset time period in step S201 may include the following steps: Based on the target compensation information, the compensation fees of the institution to be analyzed are obtained.

[0024] Based on the total compensation information, the total compensation costs of all institutions are obtained.

[0025] Ratio the compensation expense to the total compensation expense to obtain the institutional compensation ratio of the institution to be analyzed.

[0026] Among them, according to the target compensation information, we extracted the compensation fees of each institution in the specified time period from the data, and calculated the total compensation fees of all institutions in the specified time period based on the total compensation information. We calculated the ratio of the compensation fees of each institution to the total compensation fees to obtain the compensation ratio of each institution.

[0027] For example, in the application of non-auto property insurance business in the financial field, insurance companies mainly underwrite fire insurance, theft insurance, flood insurance, etc. The company system extracts 50,000 non-auto property insurance policies in 2024, of which 2,000 are paid policies. The compensation data is extracted from the 2,000 paid policies, including the compensation amount for each accident, the type of accident (such as fire, theft, flood, etc.), and the loss assessment results. Statistics show that the total compensation amount in 2024 is 30 million yuan, of which 15 million yuan is paid for fire accidents, 8 million yuan is paid for theft accidents, and 7 million yuan is paid for flood accidents. The total compensation amount of the entire non-auto property insurance market in 2024 is 6 billion yuan. It is calculated that the company's non-auto property insurance compensation amount accounts for 0.5% of the entire market.

[0028] Step S202, based on all the policy amounts in the target policy information and in combination with a preset credibility threshold, calculate the institutional credibility value of the institution to be analyzed.

[0029] The credibility threshold is used to evaluate the data reliability and business stability of the institution to be analyzed. The setting of the credibility threshold needs to consider the total number of policies of the institution within the preset time period. Generally speaking, the more policies there are, the higher the reliability of the data. Institutions with lower claims frequency may have lower risks, and institutions with higher data stability and lower claims ratio may have lower risks and higher data reliability. Through customer surveys or customer feedback, the service quality and customer satisfaction of the institution with high customer satisfaction may have more reliable data. As for the ratings and service quality of the cooperative institutions, the data provided by highly rated institutions are more credible.

[0030] In the claims information, the coefficient of variation is calculated based on the ratio of the standard deviation of the claims ratio in the past N years to the mean of the claims ratio in the past N years. Combined with the total policy volume of each institution in N years, a normal distribution diagram of the policy coefficient of variation is drawn according to the 95% confidence interval quantile. It is concluded that when the policy volume of the institution reaches a certain value (this value is the reliability order volume), the coefficient of variation is stable. Then the actual policy volume of each institution is divided by the reliability order volume and the square root is taken to obtain the trust value of each institution.

[0031] For example, in the application of property insurance claims in the financial sector, the company system extracts all property insurance policy information for 2024, including policy number, insured property information (such as residences, shops, factories, etc.), insurance amount, compensation status (paid or unpaid), etc. If 100,000 property insurance policies are extracted, of which 5,000 are paid policies and 95,000 are unpaid policies, the number of unpaid policies is 8,000, the total number of policies is 10,000, and the confidence threshold is 0.8, then the calculation of the institution's trust value is as follows: ; Among them, 0.76 is the trust value, and the higher the trust value, the lower the institution's compensation risk. Step S203, obtain the insurance policy delivery platform connected to the institution to be analyzed, determine the cost ratio of each supporting project on each insurance policy delivery platform, and apportion the platform loss cost in the target insurance policy information according to the cost ratio to obtain the apportioned loss cost of each insurance policy delivery platform.

[0032] Among them, the insurance policies placed on the insurance policy placement platform refer to the insurance policies of the Internet platform. Limits are imposed on the expense rate values ​​of the Internet platform insurance policies. According to actual conditions, the support costs, non-human resources, and daily management of the Internet platform insurance policies are treated as zero costs. Human resources are XX%, tax costs are X%, and indirect claims are actually assigned a statistical value of XX%.

[0033] After adjustment, the reduction in the rate value change of the Internet platform will lead to a reduction in the fixed costs of each institution, resulting in a smaller overall fixed cost and a difference with the financial data. Therefore, it is necessary to dynamically allocate and compensate the losses of this part of the Internet. All policy delivery platforms connected to the institutions to be analyzed may include management systems, insurance companies' own sales platforms, etc. The cost proportion of each supporting project refers to the specific cost of each supporting project within the preset time period. According to the obtained platform information, the proportion of the cost of each supporting project to the total platform cost is calculated, and the platform loss cost is extracted from the target policy information. According to the cost proportion of each supporting project, the shared loss cost is calculated to obtain the shared loss cost of each policy delivery platform. The dynamic allocation and compensation algorithm rule is to dynamically allocate the amount of each item of the Internet platform adjustment loss under the same dimension according to the latest premium ratio generated by each institution of the non-Internet platform on the statistical date, and add it to each item of the non-Internet platform under the same dimension. This not only ensures the rationality of the costs of each platform, but also achieves the overall cost to be consistent with the financial estimate.

[0034] For example, insurance companies conduct business through multiple policy delivery platforms (online platforms, agencies, direct channels, etc.). In order to accurately calculate the cost of insurance policies, the company needs to apportion its platform loss expenses for 2024. Obtain the cost share of each supporting project (marketing expenses, operating expenses, technical service expenses, etc.) on each platform for online platforms (such as the company's official website, third-party insurance platform), agencies (such as insurance brokers, agency companies), and direct channels (such as the company's own sales team). Among them, online platforms account for 40%, agencies account for 35%, and direct channels account for 25%. The total platform loss cost for 2024 is extracted from the target policy information as RMB 10 million.

[0035] The platform loss costs are apportioned according to the cost ratio. The formula is as follows: Shared loss costs = platform loss costs × cost ratio; The loss costs shared by each platform are calculated as follows: The online platform's share of the cost is RMB 10 million × 40% = RMB 4 million; The agency's share of the cost is RMB 10 million × 35% = RMB 3.5 million; The cost sharing of direct sales channels is RMB 10 million × 25% = RMB 2.5 million.

[0036] Step S204, calculate the policy cost of the target policy under each policy delivery platform according to the proportion of institutional claims, the institutional trust value and the shared loss expenses, obtain the cost of the corresponding policy delivery platform, adjust the premium of the target policy according to the cost, and obtain the adjusted policy premium.

[0037] Among them, according to the institutional compensation ratio, institutional trust value and shared loss expenses obtained in the above steps, as the influencing factors of the policy cost calculation, the policy cost is calculated to obtain the policy cost, and the premium of the target policy is adjusted according to the cost to obtain the adjusted premium of the policy, ensuring that the insurance company's income matches the risk.

[0038] Optionally, after obtaining the adjusted policy premium in step S204, the policy cost accounting method may further include the following steps: The preset estimated cost of the policy is obtained and the adjusted premium of the policy is analyzed to obtain the analysis result.

[0039] The analysis results are used as a reference for developers to calculate the factors affecting insurance policy costs.

[0040] Among them, the estimated cost of the policy is set in advance, and the adjusted policy premium is analyzed to evaluate the effect of the premium adjustment. The main purpose of this step is to understand whether the various adjustments are reasonable and the impact of the premium adjustment on the cost by comparing the estimated cost and the actual adjusted premium.

[0041] The estimated cost is set based on historical data, industry standards, market research and other factors, reflecting the expected average cost of the policy, calculating the difference between the adjusted premium and the estimated cost, analyzing the reasons for these differences, such as changes in the claims ratio, market risk adjustments, etc., and compiling the difference between the adjusted premium and the estimated cost of each policy and their reasons into a report or data table. Developers can use these analysis results to identify whether the premium adjustment is reasonable enough and which factors have a greater impact on the cost. For example, if the adjusted premiums of multiple policies are lower than the estimated cost, developers can consider adjusting the premium adjustment ratio to better cover the expected cost.

[0042] For example, in the residential fire insurance business scenario application in the field of property insurance claims, the insurance company underwrites residential fire insurance through multiple platforms and needs to calculate the policy cost for 2024 and adjust the premium. The institutional payment ratio is 8%, the institutional trust value is 0.72, the online platform share is 2 million yuan, the agency share is 1.75 million yuan, and the direct channel share is 1.25 million yuan; the online platform policy cost is 8% × 0.72 × 2 million yuan = 115,200 yuan; the agency policy cost is 8% × 0.72 × 1.75 million yuan = 100,800 yuan; the direct channel policy cost is 8% × 0.72 × 1.25 million yuan = 72,000 yuan; The policy premium is adjusted according to the policy cost (cost markup rate is 20%). The online platform policy premium is 115,200 yuan × 1.2 = 138,240 yuan; the agency policy premium after adjustment is 100,800 yuan × 1.2 = 120,960 yuan; the direct channel policy premium after adjustment is 72,000 yuan × 1.2 = 86,400 yuan.

[0043] In an embodiment of the present application, target policy information of a target policy of the institution to be analyzed within a preset time period is obtained, and the institutional trust value of the institution to be analyzed is calculated based on all policy quantities in the target policy information and a preset trust threshold, and target compensation information is obtained based on the paid policies in the target policy information, and the institutional compensation ratio of the institution to be analyzed is obtained based on the target compensation information and the total compensation information of all institutions within the preset time period, and the policy delivery platform connected to the institution to be analyzed is obtained, and the cost ratio of each supporting project on each policy delivery platform is determined, and the platform loss cost in the target policy information is apportioned according to the cost ratio to obtain the apportioned loss cost of each policy delivery platform, and the policy cost of the target policy under each policy delivery platform is calculated according to the institutional compensation ratio, the institutional trust value and the apportioned loss cost to obtain the cost of the corresponding policy delivery platform, and the premium of the target policy is adjusted according to the cost to obtain the adjusted policy premium. The technical solution of this application can be applied to the policy management program system of property insurance claims, medical care, health and pension, etc. The institutional trust value and institutional compensation ratio of the institution to be analyzed are calculated through the target policy information, and the apportionment is performed according to the cost occupancy ratio of each supporting project on the policy delivery platform to obtain the apportioned loss cost of each policy delivery platform, and the policy premium is adjusted according to the institutional trust value, institutional compensation ratio and apportioned cost. In this way, the factors affecting the cost of the policy are analyzed comprehensively and accurately, so as to adjust the premium of the policy comprehensively and accurately.

[0044] For example, in the family medical insurance business scenario application in the medical and health business field, all family medical insurance policy information for 2024 was extracted, and the paid policies were screened out, with institutional payments accounting for 8%. The number of unpaid policies extracted was 14,400, and the total number of policies was 16,000. The institutional trust value was calculated to be 0.72, of which the online platform fee accounted for 40%, the agency fee accounted for 35%, the direct channel fee accounted for 25%, and the platform loss fee was 8 million yuan. The loss cost shared by the online platform is RMB 8 million × 40% = RMB 3.2 million, the loss cost shared by the agency is RMB 8 million × 35% = RMB 2.8 million, the loss cost shared by the direct sales channel is RMB 8 million × 25% = RMB 2 million, the insurance policy cost of the online platform is 8% × 0.72 × RMB 3.2 million = RMB 184,320, the insurance policy cost of the agency is 8% × 0.72 × RMB 2.8 million = RMB 161,280, and the insurance policy cost of the direct sales channel is 8% × 0.72 × RMB 2 million = RMB 115,200; Adjust the policy premium (cost plus rate is 20%), the online platform adjusts the policy premium to, RMB 1,843,200 × 1.2 = RMB 2,211,840, the agency adjusts the policy premium to, RMB 1,612,800 × 1.2 = RMB 1,935,360, and the direct sales channel adjusts the policy premium to, RMB 115,200 × 1.2 = RMB 1,382,400.

[0045] like Figure 3 As shown, it is a flow chart of a method for calculating insurance policy cost provided in the third embodiment of the present invention. In step S202, according to all insurance policy amounts in the target insurance policy information and in combination with a preset credibility threshold, the institutional credibility value of the institution to be analyzed is calculated, which may include the following steps: Step S301, obtaining the claim ratio of the institution to be analyzed according to the claim ratio of the institution; Step S302, calculating the loss ratios of the N institutions to be analyzed, and obtaining the standard deviation of the loss ratio of the institutions as a whole and the mean of the loss ratio of the institutions as a whole; Among them, the loss ratio refers to the ratio of the amount of claims paid by an institution to its premium income in a specific period of time, which can reflect its claim level and risk management capabilities. First, it is necessary to obtain the actual amount of claims paid and premium income data of each institution to be analyzed in a specific period of time from the database, and use the obtained data to calculate the loss ratio of each institution. The mean of the loss ratio is the average of the loss ratios of all institutions to be analyzed, and the standard deviation of the loss ratio is the degree of dispersion of the loss ratios of all institutions to be analyzed. Step S303, calculating the ratio of the standard deviation of the loss ratio to the mean of the loss ratio to obtain the coefficient of variation of the institution as a whole; Step S304, determining a reliability threshold according to the coefficient of variation, and calculating the institutional trust value of the institution to be analyzed according to the reliability threshold.

[0046] Among them, the smaller the coefficient of variation, the smaller the fluctuation of the claims ratio of the institution to be analyzed, the more stable the overall claims situation, and the relatively lower the risk. The selection of the credibility threshold should be based on industry standards or historical experience data. Too high a credibility threshold may cause too many institutions to be marked as credible, and too low a credibility threshold may lead to overly strict screening.

[0047] Insurance companies need to evaluate the claims of different institutions to ensure the quality of services and risk management level they provide. By calculating the claims ratio, coefficient of variation and trust value, insurance companies can better identify and manage risks and optimize the selection of cooperative institutions. The coefficient of variation is the ratio of the standard deviation to the mean, which is used to measure the relative dispersion of data. The trust threshold is a standard determined by the insurance company based on the coefficient of variation, which is used to evaluate the trust of each institution. The determination of the trust threshold is based on industry standards or historical experience data. If the degree to which the claims ratio of an institution deviates from the overall claims ratio mean does not exceed the trust threshold, the institution is considered to be trustworthy.

[0048] For example, if the credibility threshold is 1.5 times the coefficient of variation, and the absolute value of the difference between an institution's claims ratio and its overall claims ratio mean is less than the credibility threshold, then the credibility value of the institution is 1 (credible), otherwise it is 0 (untrustworthy).

[0049] In this embodiment, by calculating the loss ratio of the institution to be analyzed, obtaining the loss ratio mean according to the loss ratio, obtaining the coefficient of variation of the institution as a whole according to the loss ratio mean, obtaining the credibility threshold according to the coefficient of variation, and calculating the institutional trust of the institution to be analyzed. In this way, insurance companies can more scientifically evaluate the loss ratio and trust of each institution to be analyzed in the insurance field, and optimize cooperation selection and risk management.

[0050] like Figure 4 As shown, it is a flow chart of a method for calculating insurance policy cost provided by the fourth embodiment of the present invention. On the basis of the third embodiment, the step S202 calculates the institutional trust value of the institution to be analyzed according to all the insurance policy amounts in the target insurance policy information and the preset trust threshold, and may also include the following steps: Step S401, determining the target policy quantity of the institution to be analyzed according to the confidence threshold.

[0051] Step S402, calculate the ratio of all insurance policy quantities to the target insurance policy quantity to obtain the ratio result.

[0052] Step S403, performing square root operation on the ratio result to obtain the trust value of the organization to be analyzed.

[0053] Among them, the target policy volume refers to the policy volume that the institution needs to achieve based on the credibility threshold. This target policy volume is a benchmark used to evaluate whether an institution has achieved an acceptable level of stability and reliability in its policy volume. The ratio result is the ratio of each institution's policy volume to the target policy volume. This ratio result is used to measure the gap between each institution's policy volume and the benchmark target policy volume. The trust value is the ratio result after square root, which is used to evaluate the credibility of the institution. The square root operation can allow the trust value to vary between 0 and 1, which more intuitively reflects the credibility level of the institution.

[0054] For example, if the target policy volume is 27522.93, if an institution's policy volume reaches or exceeds this target policy volume, then its policy volume is considered stable and reliable. The closer the ratio result is to 1, the closer the institution's policy volume is to the target policy volume and the more stable it is. The closer the trust value is to 1, the higher the institution's credibility is; the closer the trust value is to 0, the lower the institution's credibility is.

[0055] In this embodiment, by obtaining the target policy volume of the institution to be analyzed, the ratio of all policy volumes to the target policy volume is calculated to obtain the ratio result, and the square root operation is performed on the ratio result to obtain the institution trust value. This further helps identify institutions with unstable or low policy volumes and take timely measures for risk management.

[0056] like Figure 5 As shown, it is a flow chart of a method for cost accounting of insurance policies provided in Embodiment 5 of the present invention. In step S203, the insurance policy delivery platform connected to the institution to be analyzed is obtained, the cost proportion of each supporting project on each insurance policy delivery platform is determined, and according to the cost proportion, the platform loss cost in the target insurance policy information is apportioned to obtain the apportioned loss cost of each insurance policy delivery platform, which may include the following steps: Step S501, determining the target project of each insurance policy delivery platform according to the insurance policy delivery platform connected to the institution to be analyzed.

[0057] Step S502, based on the target item, determine the cost proportion of the target item on each insurance policy delivery platform.

[0058] Among them, the records related to the institution to be analyzed and within the specified time period are screened out from the data, the target items and their costs on each insurance policy delivery platform are counted, and the total costs on each insurance policy delivery platform and the cost proportion of the target items are calculated.

[0059] For example, we have selected the policy placement platforms and their target projects that Institution 1 connected to during the period from January 2022 to January 2023. Institution 1 has two projects on Platform 101, Project 1001 and Project 1002, with costs of RMB 10,000 and RMB 15,000 respectively. Institution 1 has one project on Platform 102, Project 1003, with a cost of RMB 12,000. The total cost of platform 101 is 25,000 yuan (10,000 + 15,000), and the total cost of platform 102 is 12,000 yuan. Calculating the cost proportion of each project, the cost proportion of project 1001 on platform 101 is 10,000 ÷ 25,000 = 0.40 (40%), the cost proportion of project 1002 on platform 101 is 15,000 ÷ 25,000 = 0.60 (60%), and the cost proportion of project 1003 on platform 102 is 12,000 ÷ 12,000 = 1.00 (100%).

[0060] In this embodiment, by determining the target items of each insurance policy delivery platform and calculating the cost ratio of each insurance policy delivery platform, the cost ratio of the target items on each insurance policy delivery platform is determined, thereby providing basic data for subsequent loss cost sharing.

[0061] like Figure 6 As shown, it is a flow chart of a method for calculating insurance policy cost provided in Embodiment 6 of the present invention. In step S203, the platform loss expense in the target insurance policy information is apportioned to obtain the apportioned loss expense of each insurance policy delivery platform, which may include the following steps: Step S601, adjusting the premium in the target policy information according to the target claim information to obtain the premium adjustment ratio.

[0062] Step S602, according to the adjustment ratio of the premium, the platform loss cost in the target policy information is apportioned to obtain the apportioned loss cost of each policy placement platform.

[0063] Among them, we sell insurance products through multiple insurance agencies and multiple policy delivery platforms (for example, online sales platforms, offline agents, etc.). Each policy corresponds to a specific project, with data recording project costs, premiums and compensation amounts. Our goal is to adjust premiums based on the compensation situation of each policy, and reasonably apportion the loss costs of each policy delivery platform, which can help us assess and manage risks more scientifically.

[0064] The loss ratio reflects the risk level of each policy in claims. The higher the loss ratio, the greater the premium adjustment ratio. For example, if the loss ratio of a policy is 0.60, it means that the amount of compensation for the policy is 60% of the premium. Assume that we set the premium adjustment ratio to increase by 0.01 for every 1% increase in the loss ratio.

[0065] The total loss cost of each platform can be calculated, and the shared loss cost of each project can be calculated based on the premium adjustment ratio.

[0066] For example, the total loss cost of platform 101 = (10,000 - 5,000) + (15,000 - 7,000) + (8,000 -4,000) = 13,000 yuan, the allocated loss cost of project 1001 (platform 101) = 1.0060 * 13,000 = 13,078 yuan, the allocated loss cost of project 1002 (platform 101) = 1.006429*13,000≈13,074.29 yuan, and the allocated loss cost of project 1003 (platform 102) = 1.0055*9,000 = 9,049.5 yuan.

[0067] In this embodiment, the premium in the target policy information is adjusted to obtain the premium adjustment ratio, and the platform loss expenses are apportioned according to the adjustment ratio to obtain the apportioned loss expenses. Thus, the premium is reasonably adjusted according to the policy's compensation situation, and the platform's loss expenses are fairly apportioned, thereby better managing and controlling risks.

[0068] It should be understood that the order of execution of the steps in the above embodiment does not necessarily mean the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiment of the present invention.

[0069] like Figure 7 As shown, it is a schematic diagram of a policy cost accounting device provided in Embodiment 7 of the present invention, and the policy cost accounting device corresponds one-to-one with the policy cost accounting method in the above embodiment. The policy cost accounting device includes an institution compensation calculation module 71, an institution trust value calculation module 72, a loss sharing module 73, and a premium adjustment module 74. The functional modules are described in detail as follows: The institution compensation calculation module 71 is used to obtain the target policy information of the target policy of the institution to be analyzed within a preset time period, obtain the target compensation information based on the paid policies in the target policy information, and obtain the institution compensation ratio of the institution to be analyzed based on the target compensation information and the total compensation information of all institutions within the preset time period; The institution trust value calculation module 72 is used to calculate the institution trust value of the institution to be analyzed based on all the policy amounts in the target policy information and a preset trust threshold; The loss allocation module 73 is used to obtain the insurance policy placement platform connected to the institution to be analyzed, determine the cost ratio of each supporting project on each insurance policy placement platform, and allocate the platform loss cost in the target insurance policy information according to the cost ratio to obtain the allocated loss cost of each insurance policy placement platform; The premium adjustment module 74 is used to calculate the policy cost of the target policy under each policy delivery platform according to the proportion of institutional claims, the institutional trust value and the shared loss expenses, obtain the cost of the corresponding policy delivery platform, adjust the premium of the target policy according to the cost, and obtain the adjusted policy premium.

[0070] Optionally, the institution trust value calculation module 72 includes: The loss ratio calculation unit is used to obtain the loss ratio of the institution to be analyzed based on the institution's loss ratio; A mean calculation unit is used to calculate the loss ratios of N institutions to be analyzed, and obtain the standard deviation of the loss ratio of the institutions as a whole and the mean of the loss ratio of the institutions as a whole; The coefficient of variation acquisition unit is used to calculate the ratio of the standard deviation of the loss ratio to the mean of the loss ratio to obtain the coefficient of variation of the institution as a whole; The institution trust calculation unit is used to determine the trust threshold according to the coefficient of variation, and calculate the institution trust value of the institution to be analyzed according to the trust threshold.

[0071] Optionally, the institution trust value calculation module 72 further includes: A target policy quantity determination unit, used to determine the target policy quantity of the institution to be analyzed according to the confidence threshold; A ratio calculation unit is used to calculate the ratio of all policy quantities to the target policy quantity to obtain a ratio result; The trust value calculation unit is used to perform square root operation on the ratio result to obtain the trust value of the institution to be analyzed.

[0072] Optionally, the above-mentioned institution compensation calculation module 71 includes: The compensation fee acquisition unit is used to obtain the compensation fee of the institution to be analyzed according to the target compensation information; The total compensation fee unit is used to obtain the total compensation fees of all institutions based on the total compensation information; The compensation ratio calculation unit is used to calculate the ratio of the compensation fee to the total compensation fee to obtain the institutional compensation ratio of the institution to be analyzed.

[0073] Optionally, the above-mentioned loss allocation module 73 includes: A target project determination unit is used to determine the target project of each insurance policy delivery platform according to the insurance policy delivery platform connected to the institution to be analyzed; The target cost ratio unit is used to determine the cost ratio of the target item on each insurance policy delivery platform based on the target item.

[0074] Optionally, the above-mentioned loss allocation module 73 further includes: The premium adjustment unit is used to adjust the premium in the target policy information according to the target compensation information to obtain the premium adjustment ratio; The apportionment unit is used to apportion the platform loss expenses in the target policy information according to the adjustment ratio of the premium, and obtain the apportioned loss expenses of each policy delivery platform.

[0075] Optionally, the insurance policy cost accounting device further includes: an analysis module, for obtaining a preset estimated cost of the policy after obtaining the adjusted policy premium and analyzing the adjusted policy premium to obtain an analysis result; The reference module is used to analyze the results of the adjusted policy premiums for developers to refer to for factors affecting the cost of the policy.

[0076] For the specific definition of the insurance policy cost accounting device, please refer to the definition of the insurance policy cost accounting method above, which will not be repeated here. Each module in the above-mentioned insurance policy cost accounting device can be implemented in whole or in part by software, hardware and their combination. The above-mentioned modules can be embedded in or independent of the processor in the computer device in the form of hardware, or can be stored in the memory of the computer device in the form of software, so that the processor can call and execute the operations corresponding to the above modules.

[0077] like Figure 8 As shown, it is a schematic diagram of the structure of a computer device provided in Embodiment 8 of the present invention. The computer device includes a processor, a memory, a network interface and a database connected via a system bus. Among them, the processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The network interface of the computer device is used to communicate with an external terminal via a network connection. When the computer program is executed by the processor, a method for calculating insurance policy costs is implemented.

[0078] In one embodiment, a computer device is provided, including a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the computer program, the insurance policy cost accounting method in the above embodiment is implemented, for example Figures 2 to 6 Alternatively, when the processor executes the computer program, the functions of each module / unit in the embodiment of the insurance policy cost accounting device are realized, for example Figure 7 The functions of the institutional compensation calculation module 71, the institutional trust value calculation module 72, the loss sharing module 73, and the premium adjustment module 74 shown are not repeated here to avoid repetition.

[0079] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the insurance policy cost accounting method in the above embodiment is implemented. Figures 2 to 6 Alternatively, when the computer program is executed by a processor, the functions of each module / unit in the above-mentioned insurance policy cost accounting device are realized, for example Figure 7 The functions of the institution compensation calculation module 71, the institution trust value calculation module 72, the loss allocation module 73, and the premium adjustment module 74 are not described here to avoid repetition. The computer-readable storage medium may be non-volatile or volatile.

[0080] Those of ordinary skill in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to memory, storage, database or other media used in the embodiments provided in this application may include non-volatile and / or volatile memory. Non-volatile memory may include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM) or flash memory. Volatile memory may include random access memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in many forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM), etc.

[0081] Those skilled in the art can clearly understand that for the convenience and simplicity of description, only the division of the above-mentioned functional units and modules is used as an example. In actual applications, the above-mentioned functions can be distributed and completed by different functional units and modules as needed, that is, the internal structure of the device can be divided into different functional units or modules to complete all or part of the functions described above.

[0082] The embodiments described above are only used to illustrate the technical solutions of the present invention, rather than to limit the same. Although the present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that the technical solutions described in the aforementioned embodiments may still be modified, or some of the technical features may be replaced by equivalents. Such modifications or replacements do not deviate the essence of the corresponding technical solutions from the spirit and scope of the technical solutions of the embodiments of the present invention, and should all be included in the protection scope of the present invention.

Claims

1. A method for calculating insurance policy cost, characterized in that: include: Obtain target policy information of target policies of the institution to be analyzed within a preset time period, obtain target compensation information based on the paid policies in the target policy information, and obtain the institutional compensation ratio of the institution to be analyzed based on the target compensation information and the total compensation information of all institutions within the preset time period; According to all the insurance policy amounts in the target insurance policy information, combined with a preset credibility threshold, the institutional credibility value of the institution to be analyzed is calculated; Obtain the insurance policy delivery platform connected to the institution to be analyzed, determine the cost ratio of each supporting project on each insurance policy delivery platform, and apportion the platform loss cost in the target insurance policy information according to the cost ratio to obtain the apportioned loss cost of each insurance policy delivery platform; According to the proportion of the institution's claims, the institution's trust value and the shared loss expenses, the policy cost of the target policy under each policy delivery platform is calculated to obtain the cost of the corresponding policy delivery platform, and the premium of the target policy is adjusted according to the cost to obtain the adjusted policy premium.

2. The insurance policy cost accounting method according to claim 1, characterized in that: The step of calculating the institutional trust value of the institution to be analyzed based on all the policy amounts in the target policy information and in combination with a preset trust threshold comprises: According to the compensation ratio of the institution, the compensation ratio of the institution to be analyzed is obtained; Calculate the loss ratios of the N institutions to be analyzed to obtain the standard deviation of the loss ratio of the institutions as a whole and the mean of the loss ratio of the institutions as a whole; Calculate the ratio of the standard deviation of the loss ratio to the mean of the loss ratio to obtain the coefficient of variation of the institution as a whole; A reliability threshold is determined based on the coefficient of variation, and an institutional trust value of the institution to be analyzed is calculated based on the reliability threshold.

3. The insurance policy cost accounting method according to claim 2, characterized in that: The step of calculating the institutional trust value of the institution to be analyzed based on all the insurance policy amounts in the target insurance policy information and in combination with a preset trust threshold value also includes: Determine the target policy volume of the institution to be analyzed according to the confidence threshold; Calculate the ratio of all policy amounts to the target policy amount to obtain a ratio result; The square root of the ratio result is calculated to obtain the trust value of the organization to be analyzed.

4. The insurance policy cost accounting method according to claim 1, characterized in that: The method of obtaining the institutional compensation ratio of the institution to be analyzed based on the target compensation information and the total compensation information of all institutions within the preset time period includes: According to the target compensation information, the compensation fee of the institution to be analyzed is obtained; According to the total compensation information, the total compensation fees of all the institutions are obtained; The ratio of the compensation fee to the total compensation fee is calculated to obtain the institutional compensation ratio of the institution to be analyzed.

5. The insurance policy cost accounting method according to claim 1, characterized in that: The step of obtaining the insurance policy delivery platform connected to the institution to be analyzed, determining the cost ratio of each supporting project on each insurance policy delivery platform, and allocating the platform loss cost in the target insurance policy information according to the cost ratio to obtain the allocated loss cost of each insurance policy delivery platform includes: According to the insurance policy delivery platforms connected to the institutions to be analyzed, determine the target projects of each insurance policy delivery platform; Based on the target items, determine the cost proportion of the target items on each insurance policy delivery platform.

6. The insurance policy cost accounting method according to claim 1, characterized in that: The apportioning of the platform loss costs in the target insurance policy information to obtain the apportioned loss costs of each insurance policy placement platform includes: According to the target compensation information, the premium in the target policy information is adjusted to obtain an adjustment ratio of the premium; According to the adjustment ratio of the premium, the platform loss costs in the target policy information are apportioned to obtain the apportioned loss costs of each policy placement platform.

7. The insurance policy cost accounting method according to claim 1, characterized in that: The adjusted policy premium also includes: Obtaining a preset estimated cost of the insurance policy and analyzing the adjusted premium of the insurance policy after the adjustment to obtain an analysis result; The analysis results are used as a reference for developers to calculate the factors affecting the cost of insurance policies.

8. A policy cost accounting device, characterized in that: include: An institutional compensation calculation module is used to obtain target policy information of target policies of the institution to be analyzed within a preset time period, obtain target compensation information based on the paid policies in the target policy information, and obtain the institutional compensation ratio of the institution to be analyzed based on the target compensation information and the total compensation information of all institutions within the preset time period; An institution trust value calculation module, used to calculate the institution trust value of the institution to be analyzed based on all the policy amounts in the target policy information and a preset trust threshold; A loss allocation module is used to obtain the insurance policy placement platform connected to the institution to be analyzed, determine the cost ratio of each supporting project on each insurance policy placement platform, and allocate the platform loss cost in the target insurance policy information according to the cost ratio to obtain the allocated loss cost of each insurance policy placement platform; The premium adjustment module is used to calculate the policy cost of the target policy under each policy delivery platform according to the institution's claim payment ratio, the institution's trust value and the shared loss expenses, obtain the cost of the corresponding policy delivery platform, adjust the premium of the target policy according to the cost, and obtain the adjusted policy premium.

9. A computer device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the insurance policy cost accounting method described in any one of claims 1 to 7 is implemented.

10. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the insurance policy cost accounting method according to any one of claims 1 to 7 is implemented.

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