CN108564421B - Vehicle insurance pricing method, device, equipment and computer storage medium - Google Patents
Vehicle insurance pricing method, device, equipment and computer storage medium Download PDFInfo
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- CN108564421B CN108564421B CN201810429647.4A CN201810429647A CN108564421B CN 108564421 B CN108564421 B CN 108564421B CN 201810429647 A CN201810429647 A CN 201810429647A CN 108564421 B CN108564421 B CN 108564421B
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Abstract
The invention discloses a vehicle insurance pricing method, which comprises the following steps: when an insurance pricing request is detected, acquiring insurance information input by a user, and performing initial pricing of insurance fees based on the insurance information and a preset pricing model to obtain initial premium; when the premium accounting request is detected, basic accounting information of the application information is acquired; importing the basic accounting information and the initial security into a preset accounting model, and calculating to obtain an initial security coefficient; acquiring a kernel-guarantee adjustment coefficient generated by a user based on initial kernel-guarantee coefficient adjustment, and correcting a preset pricing model based on the kernel-guarantee adjustment coefficient; and re-pricing the insurance cost based on the application information and the revised preset pricing model to obtain new insurance pricing. The invention also discloses a vehicle insurance pricing device, equipment and a computer storage medium. The invention adjusts the premium pricing through setting the accounting model, and realizes flexible adjustment of the premium on the premise of meeting the vehicle insurance pricing principle.
Description
Technical Field
The present invention relates to the technical field of insurance accounting, and in particular, to a method, apparatus, device and computer storage medium for pricing vehicle insurance.
Background
With the increasing satisfaction of the material conditions of people, the demands of people for safety are increasing, and more people choose to purchase different insurance products so as to avoid the loss caused by accidents.
Therefore, an insurance company sets different insurance service types according to customer demands, insurance service personnel introduce insurance service to the insurance personnel according to the service demands of the insurance personnel, the insurance personnel purchase service products from insurance agency staff, the insurance agency personnel can collect a certain proportion of insurance fees from the insurance amount as an improvement, the existing ratio of the improvement to the insurance is relatively fixed, and the insurance agency carries out accounting according to the existing fixed formula.
The foregoing is provided merely for the purpose of facilitating understanding of the technical solutions of the present invention and is not intended to represent an admission that the foregoing is prior art.
Disclosure of Invention
The invention mainly aims to provide a vehicle insurance pricing method, a device, equipment and a computer storage medium, aiming at adjusting premium pricing through setting a verification model and realizing flexible premium adjustment on the premise of meeting the vehicle insurance pricing principle.
In order to achieve the above object, the present invention provides a vehicle insurance pricing method, comprising the steps of:
when an insurance pricing request is detected, acquiring insurance information input by a user, and performing initial pricing of insurance fees based on the insurance information and a preset pricing model to obtain initial premium;
when the premium accounting request is detected, basic accounting information corresponding to the application information is acquired;
importing the basic accounting information and the initial maintenance fee into a preset accounting model, and calculating to obtain an initial maintenance coefficient so that a user can adjust the initial maintenance coefficient to obtain a maintenance adjustment coefficient;
acquiring a kernel-guarantee adjustment coefficient generated by a user based on initial kernel-guarantee coefficient adjustment, and correcting a preset pricing model based on the kernel-guarantee adjustment coefficient;
and re-pricing the insurance cost based on the application information and the revised preset pricing model to obtain new insurance pricing.
Optionally, when the insurance pricing request is detected, acquiring the insurance information input by the user, and performing initial pricing of insurance fees based on the insurance information and a preset pricing model, so as to obtain initial premium, before the step of obtaining initial premium, the method includes:
when an application request of insurance is detected, acquiring application information in the application request, and determining an insurance type and an insurance scheme based on the application information;
and acquiring a corresponding insurance policy based on the insurance type and the insurance scheme, and prompting a user to input insurance information in the insurance policy.
Optionally, the step of importing the basic accounting information and the initial security into a preset accounting model, and calculating to obtain an initial security coefficient so that a user adjusts the initial security coefficient to obtain a security adjustment coefficient includes:
according to the principle that the sum of the final odds ratio and the follow-up fee ratio is constant, the basic accounting information and the initial premium are imported into a formula of a preset accounting model to calculate and obtain an initial accounting coefficient based on the preset accounting model, wherein the formula of the preset accounting model is as follows:
the letters in the formula represent: the NCD factor c, the autonomous verification coefficient k1, the autonomous channel coefficient k2, the traffic violation coefficient k3, the traffic insurance risk standard premium Pre1, the initial premium Pre2, the final odds ratio Ult, the follow-up fee ratio Doc, the expected loss Exp and the procedure rate Pro in the basic verification information.
Optionally, the step of importing the basic accounting information and the initial security into a preset accounting model, and calculating to obtain an initial security coefficient so that a user adjusts the initial security coefficient to obtain a security adjustment coefficient includes:
assuming that the procedure rate in the preset accounting model is zero, calculating an autonomous maintenance coefficient;
comparing the autonomous underwriting coefficient with a preset regional underwriting coefficient to determine an initial underwriting coefficient;
and if the autonomous underwriting coefficient is larger than the preset regional underwriting coefficient, taking the autonomous underwriting coefficient as an initial underwriting coefficient.
Optionally, the step of obtaining the kernel-guarantee adjustment coefficient generated by the user based on the initial kernel-guarantee coefficient adjustment and correcting the preset pricing model based on the kernel-guarantee adjustment coefficient includes:
taking the parameter adjusted by the user based on the initial kernel-keeping coefficient as the kernel-keeping adjusting coefficient, and inputting the kernel-keeping adjusting coefficient to a preset accounting model instead of the autonomous kernel-keeping coefficient to obtain final odds;
determining a procedure rate adjustment value according to the fact that the sum of the final odds ratio and the follow-up fee ratio is constant;
the step of re-pricing insurance fees based on the application information and the revised preset pricing model to obtain new insurance pricing comprises the following steps:
replacing the coefficient in the preset pricing model with the procedure rate adjustment value and the underwriting adjustment coefficient to obtain a corrected preset pricing model;
and re-pricing the insurance cost based on the application information and the revised preset pricing model to obtain new insurance pricing.
Optionally, the step of determining the procedure rate adjustment value according to the sum of the final odds ratio and the follow-up fee ratio being constant further includes:
calculating to obtain an adjustment procedure rate according to the constant sum of the final odds ratio and the follow-up fee ratio;
acquiring the adjustment procedure rate, and comparing the adjustment procedure rate with a preset platform value;
if the procedure rate adjustment value is larger than the preset platform value, taking the preset platform value as the procedure rate adjustment value;
and if the procedure rate adjustment value is smaller than or equal to the preset platform value, taking the adjustment procedure rate as the procedure rate adjustment value.
Optionally, if the procedure rate adjustment value is less than or equal to the preset platform value, after the step of using the procedure rate adjustment value as the procedure rate adjustment value, the method further includes:
and when the procedure rate adjustment value is detected to be zero, sending prompt information to prompt a user to stop adjusting the maintenance adjustment coefficient.
In addition, to achieve the above object, the present invention also provides a vehicle insurance pricing device, including:
the initial pricing module is used for acquiring the insurance information input by the user when the insurance pricing request is detected, and performing initial pricing on insurance fees based on the insurance information and a preset pricing model so as to obtain initial premium;
the detection acquisition module is used for acquiring basic accounting information corresponding to the application information when the premium accounting request is detected;
the importing and calculating module is used for importing the basic accounting information and the initial security into a preset accounting model, and calculating to obtain an initial security coefficient so that a user can adjust the initial security coefficient to obtain a security adjustment coefficient;
the acquisition and correction module is used for acquiring a kernel-guarantee adjustment coefficient generated by a user based on initial kernel-guarantee coefficient adjustment and correcting a preset pricing model based on the kernel-guarantee adjustment coefficient;
and the insurance pricing module is used for pricing the insurance cost again based on the insurance information and the revised preset pricing model to obtain new insurance pricing.
In addition, in order to achieve the above object, the present invention also provides a vehicle insurance pricing device;
the vehicle insurance pricing device includes: a memory, a processor, and a vehicle insurance pricing program stored on the memory and executable on the processor, wherein:
the vehicle insurance pricing program when executed by the processor implements the steps of the vehicle insurance pricing method as described above.
In addition, in order to achieve the above object, the present invention also provides a computer storage medium;
the computer storage medium has stored thereon a vehicle insurance pricing program which when executed by a processor implements the steps of the vehicle insurance pricing method as described above.
The embodiment of the invention provides a vehicle insurance pricing method, a device, equipment and a computer storage medium, wherein when a terminal detects an insurance pricing request, the terminal acquires insurance information input by a user, and performs initial insurance fee pricing based on the insurance information and a preset pricing model so as to obtain initial premium; when the premium accounting request is detected, basic accounting information corresponding to the application information is acquired; importing the basic accounting information and the initial maintenance fee into a preset accounting model, and calculating to obtain an initial maintenance coefficient so that a user can adjust the initial maintenance coefficient to obtain a maintenance adjustment coefficient; acquiring a kernel-guarantee adjustment coefficient generated by a user based on initial kernel-guarantee coefficient adjustment, and correcting a preset pricing model based on the kernel-guarantee adjustment coefficient; and re-pricing the insurance cost based on the application information and the revised preset pricing model to obtain new insurance pricing. In the embodiment, the information in the insurance accounting model is adjusted by setting the insurance accounting model to obtain a new vehicle insurance pricing scheme, and the user can adjust the insurance premium related parameters in the embodiment, so that the premium pricing is more flexible.
Drawings
FIG. 1 is a schematic diagram of a device architecture of a hardware operating environment according to an embodiment of the present invention;
FIG. 2 is a schematic flow chart of the method for applying for insurance in the method for pricing insurance of a vehicle according to the present invention;
FIG. 3 is a flow chart of a first embodiment of a method for vehicle insurance pricing according to the present invention;
FIG. 4 is a schematic diagram of functional modules of an embodiment of a vehicle insurance pricing device according to the invention.
The achievement of the objects, functional features and advantages of the present invention will be further described with reference to the accompanying drawings, in conjunction with the embodiments.
Detailed Description
It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the invention.
Because of the many factors affecting the vehicle insurance pricing, most of the vehicle insurance pricing schemes are fixed, i.e. the fixed pricing schemes are determined according to the insurance premium change requirements in the insurance industry, and different insurance companies adopt different vehicle insurance pricing modes under the background that the secondary premium change continues to relax the autonomous core protection coefficient and the autonomous channel coefficient, but no flexibly adjustable vehicle insurance pricing scheme exists.
The main solutions of the embodiments of the present invention are: and acquiring relevant parameters of premium pricing, and determining influencing factors of the relevant parameters of premium pricing to adjust the relevant parameters of premium pricing, so that the pricing of insurance can be flexibly adjusted under the condition of meeting different requirements.
As shown in fig. 1, fig. 1 is a schematic diagram of a terminal structure of a hardware running environment according to an embodiment of the present invention.
The terminal of the embodiment of the invention can be a fixed terminal or a mobile terminal, wherein the fixed terminal is such as 'Internet of things equipment', an intelligent air conditioner with a networking function, an intelligent electric lamp, an intelligent power supply and the like; the mobile terminal, such as an AR/VR device with a networking function, a smart speaker, an autopilot, a PC, a smart phone, a tablet computer, an electronic book reader, a portable computer, and other terminal devices with display functions, is called a vehicle insurance pricing device, and it should be additionally described that the vehicle insurance pricing device in this embodiment may be a component part of the vehicle insurance pricing device, or may separately form the vehicle insurance pricing device.
As shown in fig. 1, the terminal may include: a processor 1001, such as a CPU, a network interface 1004, a user interface 1003, a memory 1005, a communication bus 1002. Wherein the communication bus 1002 is used to enable connected communication between these components. The user interface 1003 may include a Display, an input unit such as a Keyboard (Keyboard), and the optional user interface 1003 may further include a standard wired interface, a wireless interface. The network interface 1004 may optionally include a standard wired interface, a wireless interface (e.g., WI-FI interface). The memory 1005 may be a high-speed RAM memory or a stable memory (non-volatile memory), such as a disk memory. The memory 1005 may also optionally be a storage device separate from the processor 1001 described above.
Optionally, the terminal may further include a camera, an RF (Radio Frequency) circuit, a sensor, an audio circuit, and a WiFi module; the input unit is compared with the display screen and the touch screen; the network interface may optionally be other than WiFi in the wireless interface, bluetooth, probe, 3G/4G/5G networking base station equipment, etc. Among other sensors, such as light sensors, motion sensors, and other sensors. Specifically, the light sensor may include an ambient light sensor that may adjust the brightness of the display screen according to the brightness of ambient light, and a proximity sensor that may turn off the display screen and/or the backlight when the mobile terminal moves to the ear. As one of the motion sensors, the gravity acceleration sensor can detect the acceleration in all directions (generally three axes), and can detect the gravity and the direction when the mobile terminal is stationary, and the mobile terminal can be used for recognizing the gesture of the mobile terminal (such as horizontal and vertical screen switching, related games, magnetometer gesture calibration), vibration recognition related functions (such as pedometer and knocking), and the like; of course, the mobile terminal may also be configured with other sensors such as a gyroscope, a barometer, a hygrometer, a thermometer, an infrared sensor, and the like, which are not described herein.
It will be appreciated by those skilled in the art that the terminal structure shown in fig. 1 is not limiting of the terminal and may include more or fewer components than shown, or may combine certain components, or a different arrangement of components.
As shown in fig. 1, the computer software product is stored in a storage medium (storage medium: also called computer storage medium, computer medium, readable storage medium, computer readable storage medium or direct called medium, such as ROM/RAM, magnetic disk, optical disk, etc.), and includes several instructions for causing a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to execute the method according to the embodiments of the present invention, and an operating system, a network communication module, a user interface module, and a vehicle insurance pricing application may be included in the memory 1005 as a computer storage medium.
In the terminal shown in fig. 1, the network interface 1004 is mainly used for connecting to a background server and performing data communication with the background server; the user interface 1003 is mainly used for connecting a client (user side) and performing data communication with the client; and the processor 1001 may be configured to invoke the vehicle insurance pricing application stored in the memory 1005 and perform the steps in the vehicle insurance pricing method provided in the following embodiment of the invention.
In an embodiment of the present invention, the vehicle insurance pricing method includes:
when an insurance pricing request is detected, acquiring insurance information input by a user, and performing initial pricing of insurance fees based on the insurance information and a preset pricing model to obtain initial premium;
when the premium accounting request is detected, basic accounting information corresponding to the application information is acquired;
importing the basic accounting information and the initial maintenance fee into a preset accounting model, and calculating to obtain an initial maintenance coefficient so that a user can adjust the initial maintenance coefficient to obtain a maintenance adjustment coefficient;
acquiring a kernel-guarantee adjustment coefficient generated by a user based on initial kernel-guarantee coefficient adjustment, and correcting a preset pricing model based on the kernel-guarantee adjustment coefficient;
and re-pricing the insurance cost based on the application information and the revised preset pricing model to obtain new insurance pricing.
The terminal of the present invention obtains the insurance information of the user when detecting the insurance pricing request, and carries out the vehicle insurance pricing based on the insurance information of the user, before the step of the embodiment, the user is required to apply for the insurance, and the terminal can obtain the insurance information, specifically, referring to fig. 2, the method includes:
and step S01, when an application request of insurance is detected, acquiring application information in the application request, and determining an insurance type and an insurance scheme based on the application information.
The insurance user triggers an insurance application request on the terminal, the terminal acquires application information contained in the insurance application request, the stored application information contains object information of the user needing to conduct insurance, the terminal determines corresponding insurance types and insurance schemes according to the application information, for example, the user clicks life insurance, property insurance, unexpected insurance and the like on the terminal, the user inputs basic information, and the terminal determines the insurance types and the insurance schemes according to the information input by the user.
And step S02, acquiring a corresponding insurance policy based on the insurance type and the insurance scheme, and prompting a user to input insurance information in the insurance policy.
The terminal obtains a corresponding insurance policy according to the insurance type and the insurance scheme, namely, a preset insurance relation table in the terminal (the preset insurance relation table comprises insurance policies corresponding to the types and the insurance schemes), the terminal inquires the preset insurance relation table according to the determined insurance type and the insurance scheme, obtains the corresponding insurance policy according to the mapping relation between the insurance type and the insurance scheme in the preset insurance relation table and the insurance policy, and displays the determined insurance policy so as to prompt a user to input insurance information in the insurance policy, wherein the insurance information comprises an insurance duration, a user account, insurance applicant information, beneficiary information, contact information and the like.
Further, the terminal determines whether to conduct underwriting based on the application information input by the user in the application policy, namely, the terminal analyzes according to the application information, and when the application information input by the user is determined to meet the underwriting condition, the terminal executes the technical scheme of the application when the application information input by the user is determined to meet the underwriting condition. In this embodiment, a pricing scheme for vehicle insurance will be described.
Specifically, referring to fig. 3, in a first embodiment of the vehicle insurance pricing method of the invention, the vehicle insurance pricing method includes:
and step S10, when the insurance pricing request is detected, acquiring the insurance information input by the user, and carrying out initial pricing on insurance fees based on the insurance information and a preset pricing model so as to obtain initial premium.
When a terminal triggers an insurance pricing request, the terminal acquires insurance information input by the user when detecting the insurance pricing request, the terminal carries out initial pricing of insurance cost based on the insurance information and a preset pricing model, namely, the terminal acquires relevant information of vehicle insurance pricing according to the insurance information input by the user, different pricing parameters are involved in a vehicle insurance pricing scheme, corresponding parameters are required to be extracted when the terminal carries out vehicle insurance pricing, and the corresponding parameters are input into a pricing model to obtain initial premium, for example, channel coefficients, insurance policy 100 yuan and NCD factors (NCD factors refer to no-claim preferential coefficient) are required when the user purchases the vehicle insurance, the terminal inputs the relevant parameters of the vehicle insurance into the vehicle insurance pricing model to obtain initial pricing of the vehicle insurance, and the floating range of the NCD coefficient is determined according to three-year insurance-making records of the insurance-protected vehicle fed back by a vehicle insurance information platform.
And step S20, when the premium accounting request is detected, acquiring basic accounting information corresponding to the application information.
When the terminal detects that the user triggers the premium accounting request, the terminal acquires basic accounting information of the premium accounting request, namely, the premium accounting is similar to the premium primary pricing, and the terminal needs to acquire the basic accounting information of the accounting, wherein the basic accounting information can be extracted from a related database of insurance pricing; for example, in the vehicle insurance audit, the NCD factor, the autonomous underwriting coefficient, the autonomous channel coefficient, the traffic violation coefficient, and the traffic insurance reference premium and initial premium, final odds, the follow-up fee rate, the expected loss, and the procedure rate in the basic audit information are used for the vehicle insurance audit.
When the vehicle insurance calculation is required to be supplemented, NCD factors, autonomous insurance coefficients, autonomous channel coefficients, traffic violation coefficients, traffic insurance benchmark premium and initial premium, final odds, follow-up fee rate, expected loss and procedure rate in basic calculation information can be derived from a vehicle insurance data system, namely, a data interface of the vehicle insurance calculation is connected with a data interface of the vehicle insurance data system, so that data information in other systems can be automatically acquired, or the data information can be derived from manual input of a user, and the user needs to input according to actual values when the user manually inputs the data information. The NCD factor, the autonomous underwriting coefficient, the autonomous channel coefficient, the traffic violation coefficient and the traffic insurance reference premium and initial premium, final odds, the follow-up fee rate, the expected loss and the number of procedure rates in the basic accounting information are not fixed and are influenced and restricted by different influencing factors, for example, the channel coefficient is influenced by the policy of '174 order', and the floating interval of the channel coefficient is regulated to be 0.75-1.15 from the current 0.85-1.15 before fee modification; the autonomous nuclear protection coefficient floating interval is adjusted to be 0.75-1.15 from 0.85-1.15 in partial areas; the NCD (also called no-claim preferential treatment coefficient) value interval is 0.6-1.0, and the specific value is determined according to the number of times of danger emergence of the vehicle; the value interval of the traffic violation coefficient is 0.9-1.2, and the value can be determined according to the vehicle violation record; the exchange risk standard premium is valued according to factors such as vehicle type, vehicle use, etc., for example, 1, new vehicle 2, 3 below 5 seats, person 4, non-operation, exchange risk standard premium: 950 yuan; 1. new vehicles 2, more than 6 seats 3, individuals 4 and non-operation; the exchange of the risk benchmark premium: 1100, a method for manufacturing the same; the following charge rate and the like can be established by each insurance company, for example, the safe car insurance sets the single charge rate to 6% -10% of the total charge, and 8% of the total charge can be taken in the process of checking the car insurance.
And step S30, importing the basic accounting information and the initial security into a preset accounting model, and calculating to obtain an initial security coefficient so that a user can adjust the initial security coefficient to obtain a security adjustment coefficient.
And the terminal imports the basic accounting information and the initial security into a preset accounting model, and calculates to obtain an initial nuclear security coefficient. Specifically, according to the principle that the sum of the final odds ratio and the follow-up fee ratio is constant, the basic accounting information and the initial premium are imported into a formula of a preset accounting model to calculate based on the preset accounting model to obtain an initial accounting coefficient, wherein the formula of the preset accounting model is as follows:
the letters in the formula represent: the NCD factor c, the autonomous verification coefficient k1, the autonomous channel coefficient k2, the traffic violation coefficient k3, the traffic insurance risk standard premium Pre1, the initial premium Pre2, the final odds ratio Ult, the follow-up fee ratio Doc, the expected loss Exp and the procedure rate Pro in the basic verification information.
Specifically, after the terminal imports the initial verification coefficient into the preset verification model, the method further comprises:
and a1, calculating an autonomous underwriting coefficient under the assumption that the procedure rate in the preset accounting model is zero.
And a2, comparing the autonomous underwriting coefficient with a preset regional underwriting coefficient to determine an initial underwriting coefficient.
And a step a3, if the autonomous underwriting coefficient is larger than the preset regional underwriting coefficient, taking the autonomous underwriting coefficient as an initial underwriting coefficient.
And a4, if the autonomous underwriting coefficient is smaller than or equal to the preset regional underwriting coefficient, taking the preset regional underwriting coefficient as an initial underwriting coefficient.
The preset area insurance coefficient is the most value set according to specific conditions, and if the initial insurance coefficient is lower than the preset area insurance coefficient, insurance business loss can be caused.
And the terminal displays the initial underwriting coefficient and prompts the user to adjust the initial underwriting coefficient to obtain the underwriting adjustment coefficient.
And step S40, acquiring a kernel-guarantee adjustment coefficient generated by the user based on initial kernel-guarantee coefficient adjustment, and correcting the preset pricing model based on the kernel-guarantee adjustment coefficient.
The terminal acquires the determined underwriting adjustment coefficient, and inputs the underwriting adjustment coefficient to the preset accounting model instead of the autonomous underwriting coefficient to determine other parameters in the preset pricing model. That is, the terminal acquires a underwriting adjustment coefficient generated by a user based on initial underwriting coefficient adjustment, inputs the underwriting adjustment coefficient into a procedure rate adjustment value and underwriting adjustment coefficient determined based on an underwriting model, and uses the procedure rate adjustment value and underwriting adjustment coefficient as correction references in a preset pricing model to perform re-pricing, and specifically, the method comprises the following steps:
step b1, taking parameters adjusted by a user based on the initial kernel-keeping coefficient as kernel-keeping adjustment coefficients, and inputting the kernel-keeping adjustment coefficients to a preset accounting model instead of the autonomous kernel-keeping coefficients so as to obtain final odds;
and b2, determining a procedure rate adjustment value according to the fact that the sum of the final odds ratio and the follow-up fee ratio is constant.
Further, step b2, determining the procedure rate adjustment value according to the sum of the final odds ratio and the follow-up fee ratio being constant, further includes:
calculating to obtain an adjustment procedure rate according to the constant sum of the final odds ratio and the follow-up fee ratio;
acquiring the adjustment procedure rate, and comparing the adjustment procedure rate with a preset platform value; the preset platform value is set according to a specific scene.
If the procedure rate adjustment value is larger than the preset platform value, taking the preset platform value as the procedure rate adjustment value;
and if the procedure rate adjustment value is smaller than or equal to the preset platform value, taking the adjustment procedure rate as the procedure rate adjustment value.
In this embodiment, the calculated adjustment procedure rate is compared with a preset platform value, so that the adjustment value of the continuous rate accords with the rule of premium calculation, and further, the step of determining the adjustment value of the procedure rate according to the core maintenance adjustment coefficient is as follows:
when the vehicle insurance first quotes, the autonomous channel coefficient is 1, the traffic violation coefficient is 1, the insurance premium is 100 yuan, the NCD is 1, the traffic violation record is 1, the corresponding procedure rate is 10%, the expected loss is 600, the initial premium is 900 yuan, the preset area insurance coefficient is 12%, and the preset platform value is 12%. Clicking a underwriting coefficient frame after the price is reported for the first time, adjusting an initial underwriting coefficient to obtain an underwriting adjustment coefficient, and inputting the underwriting adjustment coefficient into a preset accounting model by a terminal to determine a procedure rate adjustment value; in this embodiment, the kernel protection adjustment coefficients are respectively 0.9 and 1.1, and then:
first quoted final odds+follow-up fee rate=600/(900×1×1×1+100) +10% =70%
Calculating the follow-up fee after the adjustment of the nuclear protection coefficient:
calculating an initial underwriting coefficient based on the condition that the commission is 0: 70% = 600/(900X 1X 1+100), then x= 0.8413, the lowest underwriting coefficient of the recording page allowed to control is 0.85 (calculated value and coefficient closest to the upper direction (number of bits is 5 or 0, e.g. 0.85, 0.90, 0.95, etc.), then initial underwriting coefficient=max (0.85, preset area underwriting coefficient);
when the core protection adjustment coefficient is 0.9, the final odds ratio=600/(900×1×0.9×1×1+100) = 65.93%
Delta procedure rate= (70% -65.93% -10%). 100% = -5.93%, procedure rate is: min (10% -5.93%, preset plateau value) =4.07%;
when the core protection adjustment coefficient is 1.1, the final odds ratio=600/(900×1×1.1×1+100) = 55.05%
Delta procedure rate= (70% -55.05% -10%). 80% = 3.96%, according to procedure rate: min (10% +3.96%, preset plateau value) =12%.
And the terminal replaces the coefficient in the preset pricing model with the procedure rate adjustment value and the underwriting adjustment coefficient to obtain the corrected preset pricing model.
And step S50, re-pricing the insurance cost based on the application information and the corrected preset pricing model to obtain new insurance pricing.
And the terminal re-pricing the insurance cost according to the insurance information and the revised preset pricing model to obtain new insurance pricing.
What needs to be stated is: the scheme of premium adjustment is to calculate the added fee after the adjustment coefficient of the core insurance according to the principle of unchanging the final odds and the procedure rate, on the basis of the fee, the mechanism can configure different proportions, and finally the procedure rate=the first quotation procedure rate + [ delta ] proportion is used for calculating the premium.
In the embodiment, the preset pricing model is modified based on the maintenance adjustment coefficient; and re-pricing the insurance cost based on the application information and the revised preset pricing model to obtain new insurance pricing. In this embodiment, by setting the insurance accounting model and adjusting the information in the insurance accounting model, a new vehicle insurance pricing scheme is obtained, and in this embodiment, the user can adjust the insurance premium related parameters, so that the premium pricing is more flexible, and the insurance agent can adjust the insurance cost in a specified range, so that the insurance sales mode is more flexible.
Further, in a second embodiment of the vehicle insurance pricing method of the present invention, the present embodiment is provided on the basis of the first embodiment, and the vehicle insurance pricing method includes:
and when the procedure rate adjustment value is detected to be zero, sending prompt information to prompt a user to stop adjusting the maintenance adjustment coefficient.
The terminal inputs the adjusted nuclear insurance adjustment coefficient to a preset accounting model, a procedure rate adjustment value is determined in the preset accounting model, the terminal obtains the procedure rate adjustment value, the procedure rate adjustment value is compared with zero user, when the terminal detects that the procedure rate adjustment value is zero, prompt information is displayed at the terminal to prompt the user to stop reducing the nuclear insurance adjustment coefficient, namely, when the vehicle is in insurance, the procedure rate adjustment value is reduced along with the reduction of the nuclear insurance adjustment coefficient.
In this embodiment, the terminal reversely prompts the user to adjust the core protection coefficient according to the change condition of the procedure cost of the premium, so as to reversely prompt the adjustment trend of the core protection adjustment coefficient based on the core protection coefficient, so that the user can know the relationship of each factor in the premium calculation, and the user can adjust the premium more quickly.
In addition, referring to fig. 4, an embodiment of the present invention further proposes a vehicle insurance pricing device, where the vehicle insurance pricing device includes:
the initial pricing module 10 is configured to obtain, when an insurance pricing request is detected, insurance cost initial pricing based on the insurance information and a preset pricing model, so as to obtain an initial premium;
the detection acquisition module 20 is configured to acquire basic accounting information corresponding to the application information when the premium accounting request is detected;
the importing computing module 30 is configured to import the basic accounting information and the initial security fee into a preset accounting model, and compute an initial security coefficient, so that a user adjusts the initial security coefficient to obtain a security adjustment coefficient;
the acquisition and correction module 40 is configured to acquire a underwriting adjustment coefficient generated by a user based on initial underwriting adjustment, and correct a preset pricing model based on the underwriting adjustment coefficient;
and the insurance pricing module 50 is used for pricing the insurance cost again based on the application information and the revised preset pricing model to obtain new insurance pricing.
The steps of implementation of each functional module of the vehicle insurance pricing device may refer to each embodiment of the vehicle insurance pricing method of the present invention, and will not be described herein.
In addition, the embodiment of the invention also provides a computer storage medium.
The computer storage medium has stored thereon a vehicle insurance pricing program which when executed by a processor implements the operations in the vehicle insurance pricing method provided by the above embodiment.
It should be noted that, in this document, relational terms such as first and second, and the like are used solely to distinguish one entity/operation/object from another entity/operation/object without necessarily requiring or implying any actual such relationship or order between such entities/operations/objects; the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or system. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article, or system that comprises the element.
For the device embodiments, since they are substantially similar to the method embodiments, the description is relatively simple, and reference is made to the description of the method embodiments for relevant points. The apparatus embodiments described above are merely illustrative, in which the units illustrated as separate components may or may not be physically separate. Some or all of the modules may be selected according to actual needs to achieve the objectives of the present invention. Those of ordinary skill in the art will understand and implement the present invention without undue burden.
The foregoing embodiment numbers of the present invention are merely for the purpose of description, and do not represent the advantages or disadvantages of the embodiments.
From the above description of the embodiments, it will be clear to those skilled in the art that the above-described embodiment method may be implemented by means of software plus a necessary general hardware platform, but of course may also be implemented by means of hardware, but in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present invention may be embodied essentially or in a part contributing to the prior art in the form of a software product stored in a storage medium (e.g. ROM/RAM, magnetic disk, optical disk) as described above, comprising instructions for causing a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the method according to the embodiments of the present invention.
The foregoing description is only of the preferred embodiments of the present invention, and is not intended to limit the scope of the invention, but rather is intended to cover any equivalents of the structures or equivalent processes disclosed herein or in the alternative, which may be employed directly or indirectly in other related arts.
Claims (8)
1. A method of vehicle insurance pricing, the method comprising the steps of:
when an insurance pricing request is detected, acquiring insurance information input by a user, and performing initial pricing of insurance fees based on the insurance information and a preset pricing model to obtain initial premium;
when the premium accounting request is detected, basic accounting information corresponding to the application information is acquired;
importing the basic accounting information and the initial maintenance fee into a preset accounting model, and calculating to obtain an initial maintenance coefficient so that a user can adjust the initial maintenance coefficient to obtain a maintenance adjustment coefficient;
acquiring a kernel-guarantee adjustment coefficient generated by a user based on initial kernel-guarantee coefficient adjustment, and correcting a preset pricing model based on the kernel-guarantee adjustment coefficient;
re-pricing insurance charges based on the application information and the revised preset pricing model to obtain new insurance pricing;
the step of importing the basic accounting information and the initial security into a preset accounting model, and calculating to obtain an initial security coefficient so that a user can adjust the initial security coefficient to obtain a security adjustment coefficient comprises the following steps:
according to the principle that the sum of the final odds ratio and the follow-up fee ratio is constant, the basic accounting information and the initial premium are imported into a formula of a preset accounting model to calculate and obtain an initial accounting coefficient based on the preset accounting model, wherein the formula of the preset accounting model is as follows:
wherein the letters in the formula represent: NCD factor c, autonomous nuclear insurance coefficient k1, autonomous channel coefficient k2, traffic violation coefficient k3, traffic insurance standard premium Pre1 and initial premium Pre2, ultimate odds ratio Ult, follow-up fee ratio Doc, expected loss Exp and procedure rate Pro in the basic accounting information;
the step of obtaining the kernel-guarantee adjustment coefficient generated by the user based on the initial kernel-guarantee coefficient adjustment and correcting the preset pricing model based on the kernel-guarantee adjustment coefficient comprises the following steps:
taking the parameter adjusted by the user based on the initial kernel-keeping coefficient as the kernel-keeping adjusting coefficient, and inputting the kernel-keeping adjusting coefficient to a preset accounting model instead of the autonomous kernel-keeping coefficient to obtain final odds;
determining a procedure rate adjustment value according to the fact that the sum of the final odds ratio and the follow-up fee ratio is constant;
the step of re-pricing insurance fees based on the application information and the revised preset pricing model to obtain new insurance pricing comprises the following steps:
replacing the coefficient in the preset pricing model with the procedure rate adjustment value and the underwriting adjustment coefficient to obtain a corrected preset pricing model;
and re-pricing the insurance cost based on the application information and the revised preset pricing model to obtain new insurance pricing.
2. The method for vehicle insurance pricing according to claim 1, wherein when the insurance pricing request is detected, acquiring the insurance information input by the user, and performing initial insurance fee pricing based on the insurance information and a preset pricing model, before the step of obtaining initial premium, the method includes:
when an application request of insurance is detected, acquiring application information in the application request, and determining an insurance type and an insurance scheme based on the application information;
and acquiring a corresponding insurance policy based on the insurance type and the insurance scheme, and prompting a user to input insurance information in the insurance policy.
3. The vehicle insurance pricing method of claim 1, wherein the step of importing the base accounting information and the initial insurance policy into a preset accounting model, and calculating an initial insurance policy so that a user adjusts the initial insurance policy to obtain a policy adjustment policy includes:
assuming that the procedure rate in the preset accounting model is zero, calculating an autonomous maintenance coefficient;
comparing the autonomous underwriting coefficient with a preset regional underwriting coefficient to determine an initial underwriting coefficient;
and if the autonomous underwriting coefficient is larger than the preset regional underwriting coefficient, taking the autonomous underwriting coefficient as an initial underwriting coefficient.
4. The vehicle insurance pricing method of claim 1, wherein said step of determining a procedure rate adjustment value based on a constant sum of terminal odds and follow-up rate further comprises:
calculating to obtain an adjustment procedure rate according to the constant sum of the final odds ratio and the follow-up fee ratio;
acquiring the adjustment procedure rate, and comparing the adjustment procedure rate with a preset platform value;
if the procedure rate adjustment value is larger than the preset platform value, taking the preset platform value as the procedure rate adjustment value;
and if the procedure rate adjustment value is smaller than or equal to the preset platform value, taking the adjustment procedure rate as the procedure rate adjustment value.
5. The vehicle insurance pricing method of claim 4, wherein after the step of taking the adjusted utility rate as the utility rate adjustment value if the utility rate adjustment value is less than or equal to a preset platform value, further comprising:
and when the procedure rate adjustment value is detected to be zero, sending prompt information to prompt a user to stop adjusting the maintenance adjustment coefficient.
6. A vehicle insurance pricing device, the vehicle insurance pricing device comprising:
the initial pricing module is used for acquiring the insurance information input by the user when the insurance pricing request is detected, and performing initial pricing on insurance fees based on the insurance information and a preset pricing model so as to obtain initial premium;
the detection acquisition module is used for acquiring basic accounting information corresponding to the application information when the premium accounting request is detected;
the importing and calculating module is used for importing the basic accounting information and the initial security into a preset accounting model, and calculating to obtain an initial security coefficient so that a user can adjust the initial security coefficient to obtain a security adjustment coefficient;
the acquisition and correction module is used for acquiring a kernel-guarantee adjustment coefficient generated by a user based on initial kernel-guarantee coefficient adjustment and correcting a preset pricing model based on the kernel-guarantee adjustment coefficient;
the insurance pricing module is used for pricing insurance cost again based on the insurance information and the revised preset pricing model to obtain new insurance pricing;
the importing calculating module is further configured to import the basic accounting information and the initial premium into a formula of a preset accounting model according to a principle that a sum of the final odds ratio and the following fee ratio is constant, so as to calculate an initial accounting coefficient based on the preset accounting model, where the formula of the preset accounting model is:
wherein the letters in the formula represent: NCD factor c, autonomous nuclear insurance coefficient k1, autonomous channel coefficient k2, traffic violation coefficient k3, traffic insurance standard premium Pre1 and initial premium Pre2, ultimate odds ratio Ult, follow-up fee ratio Doc, expected loss Exp and procedure rate Pro in the basic accounting information;
the acquisition and correction module is further used for taking parameters which are adjusted by a user based on the initial underwriting coefficient as underwriting adjustment coefficients, and inputting the underwriting adjustment coefficients to a preset calculation model instead of the autonomous underwriting coefficients so as to obtain final odds; determining a procedure rate adjustment value according to the fact that the sum of the final odds ratio and the follow-up fee ratio is constant;
the underwriting and price fixing module is also used for replacing the coefficient in the preset pricing model with the procedure rate adjustment value and underwriting adjustment coefficient to obtain a corrected preset pricing model; and re-pricing the insurance cost based on the application information and the revised preset pricing model to obtain new insurance pricing.
7. A vehicle insurance pricing device, characterized in that the vehicle insurance pricing device comprises: a memory, a processor, and a vehicle insurance pricing program stored on the memory and executable on the processor, wherein:
the vehicle insurance pricing program when executed by the processor implements the steps of the vehicle insurance pricing method of any of claims 1 to 5.
8. A computer storage medium having stored thereon a vehicle insurance pricing program which when executed by a processor carries out the steps of the vehicle insurance pricing method according to any of claims 1 to 5.
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