The invention belongs to the technical field of insurance
product pricing, and more specifically relates to a multi-factor fusion insurance product dynamic risk pricing optimization method. Collecting multi-source
information data, and carrying out data preprocessing; on the basis of travel
trajectory analysis of vehicle-mounted OBD data, in combination with high-risk road sections, driving behaviors and environmental factors, a space-time accumulation
risk index is constructed, a graph convolutional network is used for modeling a risk transfer effect in a
social circle of vehicle owners, mutual influences among the vehicle owners in the
social circle are captured, and a neural network based on multi-
task learning is used for establishing a
social network model. Dynamic risk, social risk features and other related data are comprehensively processed, the
risk probability and loss amount prediction are optimized through a shared
network layer, and the insurance pricing is generated in combination with external market data, so that the comprehensiveness and accuracy of the insurance pricing are ensured; the method solves a blind area existing in a conventional pricing method, enables the insurance pricing to be more intelligent and precise, and can reflect the actual risk condition of a vehicle owner in real time.