Premium data management method and device and electronic equipment

Abstract

The invention discloses an insurance premium data management method and device and electronic equipment. The method comprises the steps that target insurance products to be measured and calculated are acquired, and the target insurance products comprise at least one insurance product; acquiring a rate coefficient corresponding to each insurance product, wherein the rate coefficient is determined according to at least one of the following data: the insurance product, an insurance mechanism corresponding to the insurance product and a payment year corresponding to the insurance product; and calculating the lowest premium target according to the rate coefficient corresponding to each insurance product. According to the method and the device, the lowest premium target is calculated according to the rate coefficient of each to-be-measured insurance product, and the rate coefficient of each insurance product is determined according to at least one of different scenes (insurance products, insurance institutions and payment years), so that the lowest premium targets of different insurance institutions, different payment years and different product dimensions can be dynamically measured and calculated, and the calculation efficiency is improved. And the method is more matched with an actual scene and high in data reference.

Description

Technical Field

[0001] This application belongs to the field of insurance business technology, and in particular relates to a method, device and electronic equipment for managing premium data. Background Technology

[0002] In the insurance industry, to better guide the sale of insurance products, it is necessary to determine a reasonable minimum premium target. Related technologies typically employ the following approach: calculating premiums based on fixed product rate coefficients, and even for multi-product combinations, calculations are performed using the fixed rate coefficients of designated products.

[0003] However, the above scheme relies on the premium rate coefficient of a specific product for calculation, which results in the minimum premium target calculated for different products being essentially a fixed amount, which does not conform to the actual scenario and has low data reference value. Summary of the Invention

[0004] The purpose of this application is to provide a method, apparatus, and electronic device for managing premium data, in order to solve the problem that the calculated minimum premium target in the related art does not conform to the actual scenario and the data has low reference value.

[0005] To achieve the above objectives, the embodiments of this application adopt the following technical solutions: In a first aspect, embodiments of this application provide a method for managing premium data, comprising: obtaining a target insurance product to be calculated, the target insurance product including at least one insurance product; obtaining a rate coefficient corresponding to each insurance product, the rate coefficient being determined based on at least one of the following data: the insurance product, the insurance institution corresponding to the insurance product, and the payment period corresponding to the insurance product; and calculating a minimum premium target based on the rate coefficient corresponding to each insurance product.

[0006] Secondly, embodiments of this application provide a premium data management device, comprising: a first acquisition module for acquiring a target insurance product to be calculated, wherein the target insurance product includes at least one insurance product; a second acquisition module for acquiring a rate coefficient corresponding to each of the insurance products, wherein the rate coefficient is determined based on at least one of the following data: the insurance product, the insurance institution corresponding to the insurance product, and the payment period corresponding to the insurance product; and a calculation module for calculating a minimum premium target based on the rate coefficient corresponding to each of the insurance products.

[0007] Thirdly, embodiments of this application provide an electronic device, including: a processor, a memory, and a program or instructions stored in the memory and executable on the processor, wherein the program or instructions, when executed by the processor, implement the steps of the method described in the first aspect.

[0008] The above-described technical solutions adopted in the embodiments of this application can achieve the following beneficial effects: The embodiments of this application calculate the minimum premium target based on the premium rate coefficient of each insurance product to be measured. The premium rate coefficient of each insurance product is determined according to different scenarios (at least one of insurance product, insurance institution, and payment period). Therefore, it can realize the dynamic measurement of the minimum premium target of different insurance institutions, different payment periods, and different product dimensions, which is more in line with the actual scenario and has high data reference value. Attached Figure Description

[0009] The accompanying drawings, which are included to provide a further understanding of this application and form part of this application, illustrate exemplary embodiments and are used to explain this application, but do not constitute an undue limitation of this application. In the drawings: Figure 1 A flowchart illustrating a method for managing premium data, provided as an embodiment of this application; Figure 2 A schematic diagram of a premium data management device provided in one embodiment of this application; Figure 3 This is a schematic diagram of the structure of an electronic device provided in one embodiment of this application. Detailed Implementation

[0010] To make the objectives, technical solutions, and advantages of this application clearer, the technical solutions of this application will be clearly and completely described below in conjunction with specific embodiments and corresponding drawings. Obviously, the described embodiments are only a part of the embodiments of this application, and not all of them. Based on the embodiments in this application, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of this application.

[0011] The terms "first," "second," etc., used in this application are used to distinguish similar objects and not to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate so that embodiments of this application can be implemented in orders other than those illustrated or described herein. Furthermore, "and / or" in this application indicates at least one of the connected objects, and the character " / " generally indicates that the preceding and following objects are in an "or" relationship. It should be noted that all data involved in this application was obtained with the user's authorization.

[0012] The technical solutions provided in the embodiments of this application are described in detail below with reference to the accompanying drawings.

[0013] Figure 1 This is a flowchart illustrating a method for managing premium data, provided as an embodiment of this application. Figure 1As shown in the embodiments of this application, the method for managing premium data may specifically include the following steps: S101, Obtain the target insurance product to be measured, which includes at least one insurance product.

[0014] In this embodiment, the premium data management method is implemented by a premium data management device, which can be located in an electronic device. This electronic device can be a terminal device or a server. The terminal device can be a mobile phone, tablet computer, desktop computer, laptop, vehicle-mounted device, etc.; the server can be a standalone server or a server cluster composed of multiple servers. For example, in the insurance business field, the premium data management device can be located in an insurance business platform.

[0015] A target insurance product is an insurance product for which a minimum premium target is to be calculated. A target insurance product can be a single insurance product or a combination of multiple insurance products.

[0016] The minimum premium target is the lowest premium that a company or its products must achieve when selling a single product or multiple products, while ensuring fixed costs, bonuses, and basic legal (i.e., indirect commission) related costs.

[0017] Fixed costs and bonuses refer to the compensation and operating costs for teams or individuals in the insurance industry. The system calculates the fixed costs and bonuses for each month based on the organization, using the average of a specified year and a specified data caliber.

[0018] The basic law, in the insurance industry, refers to the management regulations and profit-sharing system internally designated by insurance companies for agents (or brokers). Within the system, it refers to the indirect commissions earned by agents in conducting business.

[0019] S102, obtain the premium rate coefficient corresponding to each insurance product. The premium rate coefficient is determined based on at least one of the following data: insurance product, insurance institution corresponding to the insurance product, and payment period corresponding to the insurance product.

[0020] In this embodiment of the application, the premium rate coefficients corresponding to each insurance product to be calculated are obtained in step S101. The premium rate coefficients of each insurance product can be determined according to at least one of the following dimensions: insurance product, insurance institution corresponding to the insurance product, and payment period corresponding to the insurance product (e.g., 3-year period, 5-year period, etc.).

[0021] The fee rate coefficient may include, but is not limited to, at least one of the following coefficients: fee generation ratio, handling fee ratio, direct commission ratio, and insurance protection fund ratio.

[0022] "Creation expenses" refers to the disposable expenses generated by an insurance company during the insurance sales process.

[0023] Premium generation ratio, which is the proportion of premium generated in the total premium. This premium generation ratio is dynamically configured.

[0024] Commission rate, which refers to the percentage of premiums paid by intermediaries in the bancassurance channel.

[0025] Direct commission is the remuneration paid to an agent (or broker) based on a predetermined percentage of their sales performance of insurance products.

[0026] The direct commission rate is the percentage agreed upon for each product sold. This direct commission rate is dynamically configured.

[0027] The insurance protection fund ratio refers to the percentage of premium income that insurance companies deduct from and contribute to the insurance protection fund according to certain rules. This insurance protection fund ratio is a fixed percentage.

[0028] For example, the rate coefficients can be configured as shown in Table 1: Table 1 Rate Coefficient Configuration

[0029] The premium rate coefficient can be dynamically configured based on the insurance institution, payment period (e.g., 3-year, 5-year) and product dimensions, which means that the minimum premium target for different institutions and product dimensions can be dynamically estimated according to different scenarios.

[0030] S103, calculate the minimum premium target based on the premium rate coefficient corresponding to each insurance product.

[0031] In this embodiment of the application, the minimum premium target is calculated based on the premium rate coefficients corresponding to each insurance product obtained in step S102.

[0032] As a feasible implementation method, the minimum premium target can be calculated based on the premium rate coefficient corresponding to each insurance product, combined with the premium ratio for each payment period corresponding to each insurance product and the premium ratio corresponding to each insurance product.

[0033] When each payment period includes 3-year and 5-year periods, the minimum premium target can be calculated using the following formula:

[0034] Where E is the minimum premium target, C is the preset fixed costs and bonuses, and D is the preset indirect commissions. , The first of the target insurance products n Premium rates for 3-year and 5-year insurance products , The first of the target insurance products n The commission rates for 3-year and 5-year insurance products. , The first of the target insurance products n The direct commission rates for 3-year and 5-year insurance products. F The preset insurance protection fund ratio, , The first of the target insurance products n The premium payment percentage for 3-year and 5-year insurance products. For the target insurance product n The target premium for an insurance product For target insurance products m The sum of the target premiums for each insurance product .

[0035] The formula for calculating the minimum premium target above means: Minimum premium target = (Fixed costs and bonuses + indirect commissions) / [Product A's 3-year term (fee generation ratio - commission rate - direct commission rate - insurance protection fund ratio) * 3-year term payment ratio + Product A's 5-year term (fee generation ratio - commission rate - direct commission rate - insurance protection fund ratio) * 5-year term payment ratio + (Fixed costs and bonuses + indirect commissions) / [Product B's 3-year term (fee generation ratio - commission rate - direct commission rate - insurance protection fund rate) * 3-year contribution ratio + Product B's 5-year term (fee generation ratio - commission rate - direct commission rate - insurance protection fund rate) * 5-year contribution ratio] + ... The formula for calculating the minimum premium target has been adjusted compared to related technologies (which calculate based on the fixed premium rate coefficient and proportion of a single specified product). It does not distinguish between single products and multi-product combinations, and is based on the pre-set proportion of the target premium for each product. Calculating the minimum premium target is more reasonable and provides a better reference.

[0036] The minimum premium target is calculated based on the expense ratio and expenditure ratio (including: direct commission ratio, basic law ratio (i.e., indirect commission ratio), handling fee ratio, and insurance protection fund ratio), which reflects the relationship between expense and expenditure. Therefore, the calculation of the minimum premium target is more in line with the actual scenario.

[0037] In summary, the premium data management method of this application calculates the minimum premium target based on the premium rate coefficients of each insurance product to be measured. Furthermore, the premium rate coefficients for each insurance product are determined according to different scenarios (at least one of insurance product, insurance institution, and payment period). Therefore, it can dynamically calculate the minimum premium target for different insurance institutions, different payment periods, and different product dimensions, which is more consistent with actual scenarios and has high data reference value. The calculation of the minimum premium target does not distinguish between single products or multi-product combinations, and is based on the proportion of the preset target premium for each product. The calculation of the minimum premium target is more reasonable and reliable. Based on the expense ratio and expenditure ratio (including: direct commission ratio, basic law ratio (i.e., indirect commission ratio), handling fee ratio, and insurance protection fund ratio), the minimum premium target calculation reflects the relationship between expense and expenditure, thus making the minimum premium target calculation more consistent with actual scenarios.

[0038] This application also provides a device for managing premium data. For example... Figure 2 As shown, the premium data management device 200 of this application embodiment may specifically include: a first acquisition module 201, a second acquisition module 202, and a calculation module 203. Wherein: The first acquisition module 201 is used to acquire the target insurance product to be measured, which includes at least one insurance product.

[0039] The second acquisition module 202 is used to acquire the premium rate coefficient corresponding to each insurance product. The premium rate coefficient is determined based on at least one of the following data: the insurance product, the insurance institution corresponding to the insurance product, and the payment period corresponding to the insurance product.

[0040] The calculation module 203 is used to calculate the minimum premium target based on the premium rate coefficient corresponding to each insurance product.

[0041] In the embodiments of this application, the specific process by which each module implements its function can be found in the relevant description of any of the above-mentioned premium data management method embodiments, and will not be repeated here.

[0042] The premium data management device in this application calculates the minimum premium target based on the premium rate coefficients of each insurance product to be calculated. The premium rate coefficients for each insurance product are determined according to different scenarios (at least one of insurance product, insurance institution, and payment period). Therefore, it can dynamically calculate the minimum premium target for different insurance institutions, different payment periods, and different product dimensions, which is more consistent with actual scenarios and has high data reliability. The calculation of the minimum premium target does not distinguish between single products or multi-product combinations, and is based on the proportion of the preset target premium for each product. The calculation of the minimum premium target is more reasonable and reliable. Based on the expense ratio and expenditure ratio (including: direct commission ratio, basic law ratio (i.e., indirect commission ratio), handling fee ratio, and insurance protection fund ratio), the minimum premium target calculation reflects the relationship between expense and expenditure, thus making the minimum premium target calculation more consistent with actual scenarios.

[0043] This application also provides an electronic device. For example... Figure 3 As shown, the electronic device 300 can vary considerably depending on its configuration or performance. It may include one or more processors 301 and memory 302, with memory 302 storing one or more programs or instructions. Memory 302 may be temporary or permanent storage. The program stored in memory 302 may include one or more modules (not shown), each module including a series of computer-executable instructions for the electronic device 300. Furthermore, processor 301 may be configured to communicate with memory 302, executing the series of programs or computer-executable instructions stored in memory 302 on the electronic device 300. The electronic device 300 may also include one or more power supplies 303, one or more wired or wireless network interfaces 304, one or more input / output interfaces 305, and one or more keyboards 306.

[0044] Specifically, in the embodiments of this application, the electronic device includes a processor, a memory, and a program or instructions stored in the memory and executable on the processor. When the program or instructions are executed by the processor, they implement the steps of any of the above-described embodiments of the premium data management method.

[0045] The electronic device in this application calculates the minimum premium target based on the premium rate coefficients of each insurance product to be measured. The premium rate coefficients for each insurance product are determined according to different scenarios (at least one of insurance product, insurance institution, and payment period). Therefore, it can dynamically calculate the minimum premium target for different insurance institutions, different payment periods, and different product dimensions, which is more consistent with actual scenarios and has high data reliability. The calculation of the minimum premium target does not distinguish between single products or multi-product combinations, and is based on the proportion of the preset target premium for each product. The calculation of the minimum premium target is more reasonable and reliable. Based on the expense ratio and expenditure ratio (including: direct commission ratio, basic law ratio (i.e., indirect commission ratio), handling fee ratio, and insurance protection fund ratio), the minimum premium target calculation reflects the relationship between expense and expenditure, thus making the minimum premium target calculation more consistent with actual scenarios.

[0046] This application also proposes a readable storage medium storing one or more computer programs or instructions that, when executed by a processor in an electronic device, enable the processor in the electronic device to perform the steps of any of the above-described embodiments of the premium data management method.

[0047] The readable storage medium of this application calculates the minimum premium target based on the premium rate coefficients of each insurance product to be measured. The premium rate coefficients for each insurance product are determined according to different scenarios (at least one of insurance product, insurance institution, and payment period). Therefore, it can dynamically calculate the minimum premium target for different insurance institutions, different payment periods, and different product dimensions, which is more consistent with actual scenarios and has high data reference value. The calculation of the minimum premium target does not distinguish between single products or multi-product combinations, and is based on the proportion of the preset target premium for each product. The calculation of the minimum premium target is more reasonable and reliable. Based on the expense ratio and expenditure ratio (including: direct commission ratio, basic law ratio (i.e., indirect commission ratio), handling fee ratio, and insurance protection fund ratio), the minimum premium target calculation reflects the relationship between expense and expenditure, thus making the minimum premium target calculation more consistent with actual scenarios.

[0048] The systems, devices, modules, or units described in the above embodiments can be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, a computer can be, for example, a personal computer, laptop computer, cellular phone, camera phone, smartphone, personal digital assistant, media player, navigation device, email device, game console, tablet computer, wearable device, or any combination of these devices.

[0049] For ease of description, the above devices are described separately by function as various units. Of course, in implementing this application, the functions of each unit can be implemented in one or more software and / or hardware.

[0050] Those skilled in the art will understand that embodiments of this application can be provided as methods, systems, or computer program products. Therefore, this application can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, this application can take the form of a computer program product embodied on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0051] This application is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this application. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, generate instructions for implementing the flowchart... Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0052] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0053] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0054] Memory may include non-persistent storage in computer-readable media, such as random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM. Memory is an example of computer-readable media.

[0055] Computer-readable media includes both permanent and non-permanent, removable and non-removable media that can store information using any method or technology. Information can be computer-readable instructions, data structures, modules of programs, or other data. Examples of computer storage media include, but are not limited to, phase-change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, CD-ROM, digital versatile optical disc (DVD) or other optical storage, magnetic tape, magnetic magnetic disk storage or other magnetic storage devices, or any other non-transferable medium that can be used to store information accessible by a computing device. As defined herein, computer-readable media does not include transient computer-readable media, such as modulated data signals and carrier waves.

[0056] It should also be noted that the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such process, method, article, or apparatus. Unless otherwise specified, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes that element.

[0057] This application can be described in the general context of computer-executable instructions, such as program modules, that are executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc., that perform a specific task or implement a specific abstract data type. This application can also be practiced in distributed computing environments where tasks are performed by remote processing devices connected via a communication network. In distributed computing environments, program modules can reside in local and remote computer storage media, including storage devices.

[0058] The various embodiments in this specification are described in a progressive manner. Similar or identical parts between embodiments can be referred to mutually. Each embodiment focuses on describing the differences from other embodiments. In particular, the system embodiments are basically similar to the method embodiments, so the description is relatively simple; relevant parts can be referred to the descriptions in the method embodiments.

[0059] The above are merely embodiments of this application and are not intended to limit the scope of this application. Various modifications and variations can be made to this application by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this application should be included within the scope of the claims of this application.

Claims

1. A method for managing premium data, characterized in that, include: Obtain the target insurance product to be measured, wherein the target insurance product includes at least one insurance product; Obtain the premium rate coefficient corresponding to each of the insurance products, wherein the premium rate coefficient is determined based on at least one of the following data: the insurance product, the insurance institution corresponding to the insurance product, and the payment period corresponding to the insurance product; The minimum premium target is calculated based on the rate coefficient corresponding to each of the aforementioned insurance products.

2. The method according to claim 1, characterized in that, The fee rate coefficient includes at least one of the following coefficients: creation fee ratio, handling fee ratio, direct commission ratio, and insurance protection fund ratio.

3. The method according to claim 1, characterized in that, The step of calculating the minimum premium target based on the rate coefficient corresponding to each of the aforementioned insurance products includes: The minimum premium target is calculated based on the premium rate coefficient corresponding to each insurance product, the premium payment ratio for each payment period corresponding to each insurance product, and the premium ratio corresponding to each insurance product.

4. The method according to claim 3, characterized in that, The payment periods mentioned include 3-year and 5-year periods.

5. The method according to claim 4, characterized in that, The minimum premium target is calculated using the following formula: Wherein, E is the minimum premium target, C is the preset fixed cost and bonus, and D is the preset indirect commission. , The first of the target insurance products n The premium rates for the 3-year and 5-year terms of the aforementioned insurance products, the , The first of the target insurance products n The commission rates for the 3-year and 5-year terms of the aforementioned insurance products, the , The first of the target insurance products n The direct commission rates for the 3-year and 5-year terms of the aforementioned insurance products, the aforementioned F The preset insurance protection fund ratio, the , The first of the target insurance products n The premium payment percentages for the 3-year and 5-year terms of the aforementioned insurance products, the aforementioned The first of the target insurance products n The target premium of the insurance product, the For the target insurance product m The sum of the target premiums for the insurance products mentioned.

6. A device for managing premium data, characterized in that, include: The first acquisition module is used to acquire the target insurance product to be measured, wherein the target insurance product includes at least one insurance product. The second acquisition module is used to acquire the premium rate coefficient corresponding to each of the insurance products. The premium rate coefficient is determined based on at least one of the following data: the insurance product, the insurance institution corresponding to the insurance product, and the payment period corresponding to the insurance product. The calculation module is used to calculate the minimum premium target based on the rate coefficient corresponding to each of the insurance products.

7. The apparatus according to claim 6, characterized in that, The calculation module is specifically used to: calculate the minimum premium target based on the rate coefficient corresponding to each insurance product, the premium ratio for each payment period corresponding to each insurance product, and the premium ratio corresponding to each insurance product.

8. The apparatus according to claim 7, characterized in that, The payment periods mentioned include 3-year and 5-year periods.

9. The apparatus according to claim 8, characterized in that, The calculation module is specifically used for: The minimum premium target is calculated using the following formula: Wherein, E is the minimum premium target, C is the preset fixed cost and bonus, and D is the preset indirect commission. , The first of the target insurance products n The premium rates for the 3-year and 5-year terms of the aforementioned insurance products, the , The first of the target insurance products n The commission rates for the 3-year and 5-year terms of the aforementioned insurance products, the , The first of the target insurance products n The direct commission rates for the 3-year and 5-year terms of the aforementioned insurance products, the aforementioned F The preset insurance protection fund ratio, the , The first of the target insurance products n The premium payment percentages for the 3-year and 5-year terms of the aforementioned insurance products, the aforementioned The first of the target insurance products n The target premium of the insurance product, the For the target insurance product m The sum of the target premiums for the insurance products mentioned.

10. An electronic device, characterized in that, include: A processor, a memory, and a program or instructions stored in the memory and executable on the processor, wherein the program or instructions, when executed by the processor, implement the steps of the method as claimed in any one of claims 1-5.

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