The invention discloses an insurance policy pricing method under a
market simulation scene and a related device, and belongs to the technical field of
data analysis. The method comprises the following steps: configuring economic scene environment parameters, obtaining insurance policy information of an insurance policy to be priced, and analyzing the insurance policy information to obtain
risk factor information related to a product; based on the insurance policy information and the
risk factor information, performing matching in a
data source to obtain related scene data; constructing an economic scene generation model based on the related scene data, and generating a plurality of economic scene paths representing future
market conditions through the economic scene generation model; adopting a customer behavior model to simulate and generate customer behavior data of each time node under each economic scene path according to the economic scene paths; and according to the customer behavior data, calculating a cash flow under each economic scene path, and summarizing to obtain an expected price of an insurance policy. According to the invention, more accurate insurance policy pricing is realized, and the risk loss is effectively reduced.