CN112330474A - Nuclear protection wind control monitoring method, device, equipment and storage medium - Google Patents

Nuclear protection wind control monitoring method, device, equipment and storage medium Download PDF

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CN112330474A
CN112330474A CN202011302774.1A CN202011302774A CN112330474A CN 112330474 A CN112330474 A CN 112330474A CN 202011302774 A CN202011302774 A CN 202011302774A CN 112330474 A CN112330474 A CN 112330474A
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CN112330474B (en
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喻芳
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Ping An Property and Casualty Insurance Company of China Ltd
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Abstract

The invention relates to the field of artificial intelligence, and discloses a method, a device, equipment and a storage medium for monitoring wind control of nuclear protection, wherein the method comprises the following steps: acquiring a core protection wind control monitoring instruction input by a user and a monitored insurance type, and judging the monitoring type represented by the instruction; if the monitoring type is result monitoring, acquiring a policy and various policy information corresponding to the insurance type, and making a corresponding risk map according to the policy and the policy information, wherein the risk map comprises risk policy amount and risk score of each insurance application place; determining high-risk places in various insurance places divided in the geographic area according to the risk single quantity and the risk scores, and early warning the high-risk places; if the monitoring type is process monitoring, analyzing the underwriting process of the policy according to the policy information to obtain process monitoring data; and sending the risk map or the process monitoring data to the user. In addition, the invention also relates to a block chain technology, and the risk single quantity can be stored in the block chain.

Description

Nuclear protection wind control monitoring method, device, equipment and storage medium
Technical Field
The invention relates to the field of artificial intelligence, in particular to a method, a device, equipment and a storage medium for monitoring wind control of nuclear protection.
Background
With the increasing insurance awareness among people, commercial insurance has become an important component in the current social security system. The number of policies of a partial insurance agency is on the order of tens of millions, based on the referenceable data. After the insurance policies are generated in the insurance system, the insurance policies need to be underwritten to determine whether the information in the insurance policies meets the insurance participation requirements, the existing insurance policy underwriting mode is underwritten manually, for example, based on risk control rules and product pricing rules and auxiliary information of different customer groups, the insurance policies are rechecked manually, however, with the rapid development of big data mining, more and more reference data are used for underwriting, if underwriting is performed manually, not only a large amount of manpower consumption is caused, but also the underwriting efficiency is low.
The existing part of insurance organizations all use risk prediction models, enter the risk prediction models according to quotation information filled by insurance applicants, circulate various risk applications and screening rules, and carry out risk assessment on insurance policy of insurance applicants, however, because the risk prediction models are insufficient, false killing may occur, the situation that insurance applicants cannot apply insurance appears, and meanwhile, the use of the risk prediction models can lead managers to be unable to know the specific rules of insurance underwriting and the situations of various risk types of interception orders and the like, and further when insurance applicants fail to underwriting, the managers are difficult to find out where the problems are, and also can not count various interception orders, and the risk prediction models have gaps in data statistical analysis, which is not beneficial to subsequent demand analysis.
Disclosure of Invention
The invention mainly aims to solve the technical problem that data analysis on policy mistaken killing and intercepted amount is difficult due to the fact that an existing risk prediction model is lack of monitoring.
The invention provides a nuclear protection wind control monitoring method in a first aspect, which comprises the following steps:
acquiring a nuclear protection wind control monitoring instruction input by a user and a monitored insurance type, and judging the monitoring type represented by the nuclear protection wind control monitoring instruction, wherein the monitoring type comprises result monitoring and process monitoring;
if the monitoring type is result monitoring, acquiring a policy corresponding to the insurance type and various policy information corresponding to the policy, and making a corresponding risk map according to the policy and the policy information, wherein the risk map comprises risk policy amount and risk score of each insurance application place divided in a preset geographic area;
determining high-risk places in various insurance places divided in the geographic area according to the risk single amount and the risk scores, and early warning the high-risk places;
if the monitoring type is process monitoring, analyzing the underwriting process of the policy according to the policy information to obtain process monitoring data;
and sending the risk map or the process monitoring data to the user so as to be used for the user to carry out the wind control analysis of the underwriting.
Optionally, in a first implementation manner of the first aspect of the present invention, the obtaining a policy corresponding to the insurance type and each item of policy information corresponding to the policy, and making a corresponding risk map according to the policy and the policy information includes:
acquiring a policy corresponding to the insurance type, various policy information corresponding to the policy and geographic information of the geographic area;
performing geographical region classification on the policy according to the geographical information to obtain a geographical region classification result;
respectively inputting the information of each policy into a preset risk prediction model according to the classification result of the geographic area to obtain the risk score of the policy corresponding to the geographic area, and judging whether the policy corresponding to the risk score is a risk policy or not according to the risk score;
counting the number of the risk lists, and calculating the regional risk score of the geographic region according to the risk score corresponding to the risk list;
and displaying the number of the risk lists and the regional risk scores on a map according to a preset display mode and the geographic information to obtain a risk map.
Optionally, in a second implementation manner of the first aspect of the present invention, the respectively inputting the policy information into a preset risk prediction model according to the classification result of the geographic area to obtain a risk score of the policy corresponding to the geographic area, and determining whether the policy actually corresponding to the risk score is a risk policy includes:
respectively inputting the policy information into a preset risk prediction model according to the geographic region classification result to obtain corresponding risk coefficients of the policy information;
acquiring a single adjustment coefficient corresponding to each item of policy information;
adjusting the corresponding risk coefficient through the single adjustment coefficient to obtain a single risk score value of each item of policy information;
and according to the one-way score values of all the policy information, whether the policy really corresponds to the policy is a risk policy or not.
Optionally, in a third implementation manner of the first aspect of the present invention, whether the policy that actually corresponds to the individual score value of each policy information is a risk policy or not includes:
obtaining the scoring weight of each item of policy information;
carrying out weighted summation on each single-item score value according to the corresponding score weight to obtain a risk score;
judging whether the risk score is larger than a preset risk score threshold value or not;
and if so, determining that the policy corresponding to the risk score is a risk policy.
Optionally, in a fourth implementation manner of the first aspect of the present invention, the determining, according to the risk single amount and the risk score, a high-risk place among the insurance places divided in the geographic area, and performing early warning on the high-risk place includes:
acquiring an insurance application place name input by a user, and inquiring corresponding historical scoring data according to the insurance application place name;
and drawing a risk score trend graph corresponding to the insurance place name according to the risk score and the historical score data.
Optionally, in a fifth implementation manner of the first aspect of the present invention, the policy information includes price quote data, insurance application data, and batch order data according to the underwriting process, and the analyzing the underwriting process of the policy according to the policy information to obtain process monitoring data includes:
inputting the quotation data in the policy data into the risk prediction model, judging whether the quotation data which is determined by the risk prediction model to be failed conforms to the compatibility rule or not, and counting the quantity of the quotation data which does not conform to the compatibility rule;
inputting the quotation data which accord with the traffic rules and the insurance data of the insurance policy data which are determined by the risk prediction model to be corresponding to the passing quotation data into the risk prediction model, judging whether the insurance data which are determined by the risk prediction model to be not passing accord with the traffic rules or not, and counting the number of the insurance data which do not accord with the traffic rules;
inputting the insurance data meeting the traffic rules and the batch data of the insurance data corresponding to the insurance data which is determined by the risk prediction model as passing insurance data into the risk prediction model, judging whether the batch data which is determined by the risk prediction model as failing conforms to the traffic rules or not, and counting the number of the batch data which do not conform to the traffic rules;
and outputting the quotation data, the insurance data and the batch data which do not accord with the negotiable rule as process monitoring data.
Optionally, in a sixth implementation manner of the first aspect of the present invention, the inputting the quotation data in the policy data into the risk prediction model, and determining whether the quotation data that is determined by the risk prediction model to fail meets a harmonization rule, where the counting the number of the quotation data that does not meet the harmonization rule includes:
inputting the quotation data into the risk prediction model to obtain a one-way risk score value of the quotation data;
if the one-way risk score value is larger than a preset one-way risk score threshold value, determining that the corresponding quotation data does not pass;
judging whether the quotation data determined by the risk prediction model as failing conforms to a compatibility rule or not;
and counting the quantity of the quoted price data which do not accord with the harmonizing rule.
The second aspect of the present invention provides a wind control monitoring device for nuclear protection, including:
the system comprises an acquisition module, a monitoring module and a processing module, wherein the acquisition module is used for acquiring a nuclear protection wind control monitoring instruction and a monitored insurance type input by a user and judging the monitoring type represented by the nuclear protection wind control monitoring instruction, and the monitoring type comprises result monitoring and process monitoring;
the map generation module is used for acquiring a policy corresponding to the insurance type and various policy information corresponding to the policy when the monitoring type is result monitoring, and making a corresponding risk map according to the policy and the policy information, wherein the risk map comprises risk policy amount and risk score of each insurance application place divided in a preset geographic area;
the early warning module is used for determining high-risk places in all the insurance places divided in the geographic area according to the risk single quantity and the risk scores and early warning the high-risk places;
the analysis module is used for analyzing the underwriting process of the policy according to the policy information to obtain process monitoring data when the monitoring type is process monitoring;
and the sending module is used for sending the risk map or the process monitoring data to the user so as to allow the user to perform the wind control analysis of the nuclear protection.
Optionally, in a first implementation manner of the second aspect of the present invention, the map generation module includes:
the data acquisition unit is used for acquiring the insurance policy corresponding to the insurance type, the information of each insurance policy corresponding to the insurance policy and the geographic information of the geographic area;
the classification unit is used for performing geographical region classification on the insurance policy according to the geographical information to obtain a geographical region classification result;
the model input unit is used for respectively inputting the information of each policy into a preset risk prediction model according to the classification result of the geographic area to obtain the risk score of the policy corresponding to the geographic area and whether the policy corresponding to the risk score is a risk policy or not;
the statistical unit is used for counting the number of the risk lists and calculating the regional risk score of the geographic region according to the risk score corresponding to the risk list;
and the map display unit is used for displaying the risk list quantity and the regional risk score on a map according to a preset display mode and the geographic information to obtain a risk map.
Optionally, in a second implementation manner of the second aspect of the present invention, the model input unit includes:
the risk coefficient subunit is used for respectively inputting the policy information into a preset risk prediction model according to the geographic region classification result to obtain corresponding coefficients of the policy information;
the adjustment coefficient subunit is used for acquiring single adjustment coefficients corresponding to the various policy information;
the adjusting subunit is used for adjusting the corresponding risk coefficient through the single adjusting coefficient to obtain a single risk score value of each item of policy information;
and the risk judgment subunit is used for judging whether the policy really corresponding to the one-way score value of each policy information is a risk policy.
Optionally, in a third implementation manner of the second aspect of the present invention, the risk judgment subunit is specifically configured to:
obtaining the scoring weight of each item of policy information;
carrying out weighted summation on each single-item score value according to the corresponding score weight to obtain a risk score;
judging whether the risk score is larger than a preset risk score threshold value or not;
and if so, determining that the policy corresponding to the risk score is a risk policy.
Optionally, in a fourth implementation manner of the second aspect of the present invention, the wind control monitoring device for nuclear protection further includes a trend graph module, where the trend graph module is specifically configured to:
acquiring an insurance application place name input by a user, and inquiring corresponding historical scoring data according to the insurance application place name;
and drawing a risk score trend graph corresponding to the insurance place name according to the risk score and the historical score data.
Optionally, in a fifth implementation manner of the second aspect of the present invention, the analysis module is specifically configured to:
inputting the quotation data in the policy data into the risk prediction model, judging whether the quotation data which is determined by the risk prediction model to be failed conforms to the compatibility rule or not, and counting the quantity of the quotation data which does not conform to the compatibility rule;
inputting the quotation data which accord with the traffic rules and the insurance data of the insurance policy data which are determined by the risk prediction model to be corresponding to the passing quotation data into the risk prediction model, judging whether the insurance data which are determined by the risk prediction model to be not passing accord with the traffic rules or not, and counting the number of the insurance data which do not accord with the traffic rules;
inputting the insurance data meeting the traffic rules and the batch data of the insurance data corresponding to the insurance data which is determined by the risk prediction model as passing insurance data into the risk prediction model, judging whether the batch data which is determined by the risk prediction model as failing conforms to the traffic rules or not, and counting the number of the batch data which do not conform to the traffic rules;
and outputting the quotation data, the insurance data and the batch data which do not accord with the negotiable rule as process monitoring data.
Optionally, in a sixth implementation manner of the second aspect of the present invention, the analysis module is further specifically configured to:
inputting the quotation data into the risk prediction model to obtain a one-way risk score value of the quotation data;
if the one-way risk score value is larger than a preset one-way risk score threshold value, determining that the corresponding quotation data does not pass;
judging whether the quotation data determined by the risk prediction model as failing conforms to a compatibility rule or not;
and counting the quantity of the quoted price data which do not accord with the harmonizing rule.
The third aspect of the present invention provides a nuclear protection wind control monitoring apparatus, including: a memory having instructions stored therein and at least one processor, the memory and the at least one processor interconnected by a line; the at least one processor calls the instruction in the memory to enable the nuclear protection wind control monitoring equipment to execute the nuclear protection wind control monitoring method.
A fourth aspect of the present invention provides a computer-readable storage medium, which stores instructions that, when executed on a computer, cause the computer to execute the above-mentioned method for wind control monitoring for nuclear power protection.
According to the technical scheme, an underwriting wind control monitoring instruction input by a user and a monitored insurance type are obtained, and the monitoring type represented by the underwriting wind control monitoring instruction is judged, wherein the monitoring type comprises result monitoring and process monitoring; if the monitoring type is result monitoring, acquiring a policy corresponding to the insurance type and various policy information corresponding to the policy, and making a corresponding risk map according to the policy and the policy information, wherein the risk map comprises risk policy amount and risk score of each insurance application place divided in a preset geographic area; determining high-risk places in various insurance places divided in the geographic area according to the risk single amount and the risk scores, and early warning the high-risk places; if the monitoring type is process monitoring, analyzing the underwriting process of the policy according to the policy information to obtain process monitoring data; and sending the risk map or the process monitoring data to the user so as to be used for the user to carry out the wind control analysis of the underwriting. The invention provides different wind control monitoring methods for the underwriting by different wind control monitoring instructions for the underwriting sent by users, combines the underwriting results of underwriting data and the underwriting process to monitor the underwriting wind control, and helps managers to know information such as underwriting rules, risk type interception amount and the like through result monitoring and process monitoring, thereby facilitating subsequent data statistical analysis and optimization of a risk prediction model. In addition, the invention also relates to a block chain technology, and the risk single quantity can be stored in the block chain.
Drawings
FIG. 1 is a schematic diagram of a first embodiment of a wind control monitoring method for nuclear protection in an embodiment of the present invention;
FIG. 2 is a diagram of a second embodiment of a wind control monitoring method for nuclear protection according to an embodiment of the present invention;
FIG. 3 is a schematic diagram of a third embodiment of a wind control monitoring method for nuclear protection in an embodiment of the present invention;
FIG. 4 is a diagram of a fourth embodiment of a wind control monitoring method for nuclear protection in an embodiment of the present invention;
FIG. 5 is a schematic diagram of an embodiment of a wind control monitoring apparatus for nuclear protection in an embodiment of the present invention;
FIG. 6 is a schematic diagram of another embodiment of a wind control monitoring device for nuclear protection in an embodiment of the present invention;
fig. 7 is a schematic diagram of an embodiment of a nuclear protection wind control monitoring device in an embodiment of the present invention.
Detailed Description
According to the technical scheme, an underwriting wind control monitoring instruction input by a user and a monitored insurance type are obtained, and the monitoring type represented by the underwriting wind control monitoring instruction is judged, wherein the monitoring type comprises result monitoring and process monitoring; if the monitoring type is result monitoring, acquiring a policy corresponding to the insurance type and various policy information corresponding to the policy, and making a corresponding risk map according to the policy and the policy information, wherein the risk map comprises risk policy amount and risk score of each insurance application place divided in a preset geographic area; determining high-risk places in various insurance places divided in the geographic area according to the risk single amount and the risk scores, and early warning the high-risk places; if the monitoring type is process monitoring, analyzing the underwriting process of the policy according to the policy information to obtain process monitoring data; and sending the risk map or the process monitoring data to the user so as to be used for the user to carry out the wind control analysis of the underwriting. The invention provides different wind control monitoring methods for the underwriting by different wind control monitoring instructions for the underwriting sent by users, combines the underwriting results of underwriting data and the underwriting process to monitor the underwriting wind control, and helps managers to know information such as underwriting rules, risk type interception amount and the like through result monitoring and process monitoring, thereby facilitating subsequent data statistical analysis and optimization of a risk prediction model. In addition, the invention also relates to a block chain technology, and the risk single quantity can be stored in the block chain.
The terms "first," "second," "third," "fourth," and the like in the description and in the claims, as well as in the drawings, if any, are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It will be appreciated that the data so used may be interchanged under appropriate circumstances such that the embodiments described herein may be practiced otherwise than as specifically illustrated or described herein. Furthermore, the terms "comprises," "comprising," or "having," and any variations thereof, are intended to cover non-exclusive inclusions, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
For convenience of understanding, a specific flow of the embodiment of the present invention is described below, and referring to fig. 1, a first embodiment of the wind control monitoring method for the nuclear power plant in the embodiment of the present invention includes:
101. acquiring a nuclear protection wind control monitoring instruction input by a user and a monitored insurance type, and judging the monitoring type represented by the nuclear protection wind control monitoring instruction;
it is to be understood that the execution subject of the present invention may be an underwriting wind control monitoring apparatus, and may also be a terminal or a server, which is not limited herein. The embodiment of the present invention is described by taking a server as an execution subject.
It is emphasized that to ensure privacy and security of the data, policies and corresponding policy information items may be stored in nodes of a blockchain.
In this embodiment, the monitoring for underwriting risk control mainly includes two types, namely result monitoring and process monitoring, where the result monitoring mainly acquires existing policy data, performs statistics and calculation on risk policies in all policies, and generates different monitoring products for a manager to view and analyze according to different requirements after the statistics and calculation.
In practical application, the result monitoring can be realized by the following modes: 1. the existing risk list quantity and risk score ranking of each region of the existing insurance policy are displayed through a risk map, a mechanism with higher risk is directly hit, early warning is given, the dynamic condition of the risk is timely mastered, and the risk score and the risk list quantity can be checked for a single risk so as to analyze the control condition of the single risk; 2. the total risk score and the influence degree of each risk influencing the score can be analyzed for a certain insurance application mechanism needing to be checked to generate a radar map, so that the insurance application mechanism can adjust the management policy in time and control the risk; 3. the risk trends are checked through the grading trends, the risk control capability of each organization can be graded through early warning of the risk control strength of each organization, the benign competition of wind control among the organizations is promoted, and the risk control capability can be used as a reference of performance evaluation indexes; 4. the mechanism or even the salesman checks the unmodified proportion and the ranking through the risk list watching board, can link and extract the corresponding list to carry out risk modification, and simultaneously checks whether a risk prediction model needs to be optimized through list extraction of the non-intercepted single quantity, so that the service quality of the client is improved; 5. and aiming at the special condition of whether the risk type which cannot be rectified is not risk or not, the risk type needs to be subdivided and excluded.
102. If the monitoring type is result monitoring, acquiring a policy corresponding to the insurance type and various policy information corresponding to the policy, and making a corresponding risk map according to the policy and the policy information, wherein the risk map comprises risk single amount and risk score of each insurance application place divided in a preset geographic area;
in this embodiment, when monitoring is performed by taking a received monitoring type as a result, a manufactured monitoring product is taken as a risk map as an example, after receiving an underwriting risk monitoring instruction and determining a monitoring type represented by the underwriting wind control monitoring instruction as a result monitoring, a server acquires a corresponding policy according to an insurance type, and acquiring policy data according to the insurance type is mainly used for conveniently performing underwriting risk analysis on each insurance type, wherein the insurance type generally adopts different division methods according to respective needs, most countries are divided into four categories of property insurance, personal insurance, insurance and credit insurance according to a service guarantee object, an applicant inputs corresponding policy data according to different insurance types, and a risk prediction model performs risk assessment according to the policy data.
In this embodiment, a risk map is created through policy data, where the risk map mainly includes location information of all insurance places where a user needs to monitor and analyze, the policy data includes names of the insurance places where an applicant makes an insurance, statistics is performed according to the names of the insurance places, so as to obtain the number of insurance policies in each insurance place, and then determine risk policies therein, and statistics of the number of the insurance policies can obtain the existing amount of risk policies in each insurance place, where the risk policies may be policy data obtained by inputting the policy into a preset risk prediction model, determining the risk policies in the obtained policy, or policy data obtained by applying a policy to all the underwriting policies. In this embodiment, the risk score may be a risk score obtained by inputting all the insurance policy data into a preset risk score model for risk assessment, and obtaining a risk score of the insurance application site by taking a representative number such as an average value or a median.
103. Determining high-risk places in various insurance places divided in the geographic area according to the risk single quantity and the risk scores, and early warning the high-risk places;
in this embodiment, in the embodiment, when the existing risk single amount and the risk score are obtained, it may be determined that an insurance location is a high risk location by determining that the existing risk single amount and/or the risk score of a certain insurance location is greater than a preset threshold, if yes, determining that the insurance location is a high risk location, or ranking all insurance locations in the geographic area from large to small according to the existing risk single amount and/or the risk score, determining an insurance location ranked within a preset ranking number as a high risk location, and determining an insurance location determined as a high risk location to grasp a dynamic situation of risk in time according to the existing risk single amount and the risk score, analyze the underwriting risk, adjust an operator policy in time, and control risk occurrence.
104. If the monitoring type is process monitoring, analyzing the underwriting process of the policy according to the policy information to obtain process monitoring data;
in this embodiment, the process monitoring mainly includes performing all-around monitoring on the underwriting processes such as quotation, insurance application, and correction, reflecting the risk list of each stage, the interception number of the risk prediction model to each stage, and data of situations such as passing and failing of each stage after the policy interception, through the billboard information, and analyzing changes of the data to realize the process monitoring of underwriting.
105. And sending the risk map or the process monitoring data to a user for the user to carry out the wind control analysis of the underwriting.
In this embodiment, after the user acquires the risk map or the process monitoring data, the risk map or the process monitoring data can be analyzed, the business policy of the insurance application site can be adjusted according to the risk map, the risk is controlled to occur, meanwhile, the wind control model can be continuously perfected according to the process monitoring data, the risk types are continuously increased, matching of suitable risk models for different crowds is beneficial to providing more references for the manager to the control of the risk, the occurrence of large-area risk is prevented, meanwhile, through the process monitoring data, the manager can conveniently know the conditions of specific rules of the insurance and various risk types, such as interception single quantity, the probability of low risk occurrence is compensated, the gap in data statistical analysis is made, and subsequent demand analysis is facilitated.
In this embodiment, an underwriting wind control monitoring instruction and a monitored insurance type input by a user are obtained, and a monitoring type represented by the underwriting wind control monitoring instruction is judged, wherein the monitoring type comprises result monitoring and process monitoring; if the monitoring type is result monitoring, acquiring a policy corresponding to the insurance type and various policy information corresponding to the policy, and making a corresponding risk map according to the policy and the policy information, wherein the risk map comprises risk policy amount and risk score of each insurance application place divided in a preset geographic area; determining high-risk places in various insurance places divided in the geographic area according to the risk single amount and the risk scores, and early warning the high-risk places; if the monitoring type is process monitoring, analyzing the underwriting process of the policy according to the policy information to obtain process monitoring data; and sending the risk map or the process monitoring data to the user so as to be used for the user to carry out the wind control analysis of the underwriting. The invention provides different wind control monitoring methods for the underwriting by different wind control monitoring instructions for the underwriting sent by users, combines the underwriting results of underwriting data and the underwriting process to monitor the underwriting wind control, and helps managers to know information such as underwriting rules, risk type interception amount and the like through result monitoring and process monitoring, thereby facilitating subsequent data statistical analysis and optimization of a risk prediction model. In addition, the invention also relates to a block chain technology, and the risk single quantity can be stored in the block chain.
Referring to fig. 2, a second embodiment of the wind control monitoring method for nuclear protection according to the embodiment of the present invention includes:
201. acquiring a nuclear protection wind control monitoring instruction input by a user and a monitored insurance type, and judging the monitoring type represented by the nuclear protection wind control monitoring instruction;
202. if the monitoring type is result monitoring, acquiring a policy corresponding to the insurance type, various policy information corresponding to the policy and geographic information of a geographic area;
in this embodiment, each item of policy information may be, but is not limited to, one or more of quote data, insurance application data, and batch data according to the underwriting process, and the geographic information is mainly used for subsequent map drawing.
203. Classifying the geographic areas of the policy according to the geographic information to obtain a geographic area classification result;
204. respectively inputting each policy information into a preset risk prediction model according to the geographical region classification result to obtain a corresponding risk coefficient of each policy information;
in this embodiment, the risk prediction model is a pre-established machine learning model for predicting risk of a policy. Specifically, the server may input each item of policy information into the risk prediction model for risk prediction, and output an individual risk score for each item of policy information. Namely, the individual risk scores corresponding to each policy information item are output. For example, if A, B and C policy information are input, a risk score of 1 for A, a risk score of 2 for B, and a risk score of 3 for C may be output.
205. Acquiring single adjustment coefficients corresponding to various policy information;
in this embodiment, the server may directly obtain a single adjustment coefficient preset for each insurance policy item in advance, as the single adjustment coefficient corresponding to each item of insurance policy information. Namely, the preset single item adjustment coefficient is not changed along with the change of the substantial content of the policy information, but is preset according to the application insurance item. For example, for an insurance application item, i.e., insurance applicant information, a corresponding individual adjustment coefficient may be set to 0.7 in advance, and when the target policy 1 and the target policy 2 are underwritten respectively, the individual adjustment coefficients corresponding to the insurance application information of the target policy 1 and the insurance application information of the target policy 2 are both 0.7. It is understood that the preset adjustment coefficients are preset stable and universal empirical values.
206. Adjusting the corresponding risk coefficient through a single adjustment coefficient to obtain a single risk score value of each item of policy information;
in this embodiment, the individual adjustment coefficients corresponding to the individual policy information and the corresponding risk coefficients are multiplied, and the obtained product is used as the individual risk score of the individual policy information.
207. Obtaining the scoring weight of each item of policy information, and carrying out weighted summation on each item of scoring value according to the corresponding scoring weight to obtain a risk score;
208. judging whether the risk score is larger than a preset risk score threshold value;
209. if so, determining the policy corresponding to the risk score as a risk policy;
210. counting the number of the risk lists, and calculating the regional risk score of the geographic region according to the risk score corresponding to the risk list;
211. displaying the number of the risk lists and the regional risk scores on a map according to a preset display mode and geographic information to obtain a risk map;
in this embodiment, the insurance application site, the corresponding risk list quantity and the corresponding risk score may be displayed on the map in a matching manner according to a predetermined display mode, or the risk list quantity and the corresponding risk score may be displayed at a designated position outside the map.
In this embodiment, the level may also be set according to the regional risk score, for example, the predetermined range includes: greater than 0 and less than or equal to 0.1, greater than 0.1 and less than or equal to 0.4, greater than 0.4 and less than or equal to 0.6, and greater than 0.6, respectively corresponding to a risk rating of: low-level, middle-level, secondary-level and high-level, when the regional risk score is 0.6, the corresponding score range can be determined to be more than 0.4 and less than or equal to 0.6, and the risk level corresponding to the score range is secondary-level, so that the secondary-level can be displayed at the corresponding position of the insurance application place on the map.
212. Determining high-risk places in various insurance places divided in the geographic area according to the risk single quantity and the risk scores, and early warning the high-risk places;
213. if the monitoring type is process monitoring, analyzing the underwriting process of the policy according to the policy information to obtain process monitoring data;
214. and sending the risk map or the process monitoring data to a user for the user to carry out the wind control analysis of the underwriting.
On the basis of the previous embodiment, the process of obtaining the policy corresponding to the insurance type and each item of policy information corresponding to the policy is described in detail, and the corresponding risk map is made according to the policy and the policy information, and the policy corresponding to the insurance type, each item of policy information corresponding to the policy, and the geographic information of the geographic area are obtained; classifying the geographic areas of the policy according to the geographic information to obtain a geographic area classification result; respectively inputting various policy information into a preset risk prediction model according to the classification result of the geographic area to obtain the risk score of the policy corresponding to the geographic area, and determining whether the policy corresponding to the risk score is a risk policy or not according to the risk score; counting the number of the risk lists, and calculating the regional risk score of the geographic region according to the risk score corresponding to the risk list; according to a preset display mode and geographic information, the number of the risk lists and the regional risk scores are displayed on a map to obtain a risk map, and the method generates the risk map, so that a manager can conveniently monitor the underwriting wind control and adjust the operation strategy according to the monitoring result.
Referring to fig. 3, a third embodiment of the wind control monitoring method for nuclear protection in the embodiment of the present invention includes:
301. acquiring a nuclear protection wind control monitoring instruction input by a user and a monitored insurance type, and judging the monitoring type represented by the nuclear protection wind control monitoring instruction;
302. if the monitoring type is result monitoring, acquiring a policy corresponding to the insurance type and various policy information corresponding to the policy, and making a corresponding risk map according to the policy and the policy information, wherein the risk map comprises risk single amount and risk score of each insurance application place divided in a preset geographic area;
303. determining high-risk places in various insurance places divided in the geographic area according to the risk single quantity and the risk scores, and early warning the high-risk places;
304. acquiring an insurance application place name input by a user, and inquiring corresponding historical scoring data according to the insurance application place name;
305. drawing a risk score trend graph corresponding to the name of the insurance application place according to the risk score and the historical score data;
in this embodiment, policy data may be divided according to different time periods to perform risk scoring, a risk score obtained by inputting policy data not in the current time period into a risk scoring model is used as historical scoring data, a risk score obtained by inputting policy data in the current time period into the risk scoring model is used as a risk score, a risk scoring trend graph which changes continuously with time is generated according to different time nodes corresponding to the risk score and the historical scoring data, and each risk trend is checked according to a scoring trend.
306. If the monitoring type is process monitoring, analyzing the underwriting process of the policy according to the policy information to obtain process monitoring data;
307. and sending the risk map or the process monitoring data to a user for the user to carry out the wind control analysis of the underwriting.
On the basis of the previous embodiment, the process of generating a risk score trend graph is additionally described, the name of an insurance application place input by a user is obtained, and corresponding historical score data is inquired according to the name of the insurance application place; according to the risk score and the historical score data, a risk score trend graph corresponding to the name of the insurance application place is drawn, the risk score trend graph is generated through the method, a manager can check each risk trend through the score trend, the risk management and control strength of each organization can be scored after early warning, the benign competition of wind control among the organizations is promoted, and the risk score trend graph can be used as a reference of performance evaluation indexes.
Referring to fig. 4, a fourth embodiment of the wind control monitoring method for nuclear power protection in the embodiment of the present invention includes:
401. acquiring a nuclear protection wind control monitoring instruction input by a user and a monitored insurance type, and judging the monitoring type represented by the nuclear protection wind control monitoring instruction;
402. if the monitoring type is result monitoring, acquiring a policy corresponding to the insurance type and various policy information corresponding to the policy, and making a corresponding risk map according to the policy and the policy information, wherein the risk map comprises risk single amount and risk score of each insurance application place divided in a preset geographic area;
403. determining high-risk places in various insurance places divided in the geographic area according to the risk single quantity and the risk scores, and early warning the high-risk places;
404. if the monitoring type is process monitoring, inputting the quotation data into a risk prediction model to obtain a one-way risk score value of the quotation data;
405. if the one-way risk score value is larger than a preset one-way risk score threshold value, determining that the corresponding quotation data does not pass;
406. judging whether the quotation data which is determined to be failed by the risk prediction model conforms to the compatibility rule or not;
407. counting the quantity of the quoted price data which do not accord with the harmonizing rule;
408. inputting insurance data of insurance policy data corresponding to the quotation data and the risk prediction model which accord with the traffic rules into the risk prediction model, judging whether the insurance data which are determined as not-passing by the risk prediction model accord with the traffic rules or not, and counting the quantity of the insurance data which do not accord with the traffic rules;
409. determining the insurance data and the risk prediction model which accord with the general fusion rule as the batch data of the insurance data corresponding to the passing insurance data to be input into the risk prediction model, judging whether the batch data which are determined by the risk prediction model as not to pass accord with the general fusion rule or not, and counting the quantity of the batch data which do not accord with the general fusion rule;
410. outputting quotation data, insurance data and bill data which do not accord with the negotiable rule as process monitoring data;
411. and sending the risk map or the process monitoring data to a user for the user to carry out the wind control analysis of the underwriting.
This embodiment describes in detail the process of acquiring process monitoring data by analyzing the insurance process of the policy according to the policy information, and also describes in detail the process of inputting quoted data in the policy data into the risk prediction model, and judges whether the quoted data determined as failing by the risk prediction model conforms to the governance rule, and counts the process of the quantity of quoted data which does not conform to the governance rule, and by monitoring the insurance process, the manager can check that the existing risk amount and the processes of quoted data, insurance, approval and modification have intercepted the risk amount through the signboard, find the pain point of the risk, know that the area is likely to be a multi-issue area which causes the applicant to fail to apply insurance, and also facilitate regional analysis, and (5) counting the quality and the wind control condition of the policemen in each region.
In the above description of the wind control monitoring method for the nuclear protection in the embodiment of the present invention, referring to fig. 5, a wind control monitoring device for the nuclear protection in the embodiment of the present invention is described below, where one embodiment of the wind control monitoring device for the nuclear protection in the embodiment of the present invention includes:
an obtaining module 501, configured to obtain an underwriting wind control monitoring instruction and a monitored insurance type input by a user, and determine a monitoring type represented by the underwriting wind control monitoring instruction, where the monitoring type includes result monitoring and process monitoring;
a map generation module 502, configured to, when the monitoring type is result monitoring, obtain a policy corresponding to the insurance type and each item of policy information corresponding to the policy, and make a corresponding risk map according to the policy and the policy information, where the risk map includes risk policy amounts and risk scores of each insurance application location divided in a preset geographic area;
the early warning module 503 is configured to determine a high risk place among the various insurance places divided in the geographic area according to the risk unit amount and the risk score, and perform early warning on the high risk place;
an analysis module 504, configured to, when the monitoring type is process monitoring, analyze an underwriting process of the policy according to the policy information to obtain process monitoring data;
a sending module 505, configured to send the risk map or the process monitoring data to the user, so that the user performs a wind control analysis for the underwriting.
It is emphasized that to ensure the privacy and security of data, existing risk singlets may be stored in nodes of a blockchain.
In the embodiment of the present invention, the wind control monitoring device for the nuclear protection operates the wind control monitoring method for the nuclear protection, and the wind control monitoring method for the nuclear protection includes: acquiring a nuclear protection wind control monitoring instruction input by a user and a monitored insurance type, and judging the monitoring type represented by the nuclear protection wind control monitoring instruction, wherein the monitoring type comprises result monitoring and process monitoring; if the monitoring type is result monitoring, acquiring a policy corresponding to the insurance type and various policy information corresponding to the policy, and making a corresponding risk map according to the policy and the policy information, wherein the risk map comprises risk policy amount and risk score of each insurance application place divided in a preset geographic area; determining high-risk places in various insurance places divided in the geographic area according to the risk single amount and the risk scores, and early warning the high-risk places; if the monitoring type is process monitoring, analyzing the underwriting process of the policy according to the policy information to obtain process monitoring data; and sending the risk map or the process monitoring data to the user so as to be used for the user to carry out the wind control analysis of the underwriting. The invention provides different wind control monitoring methods for the underwriting by different wind control monitoring instructions for the underwriting sent by users, combines the underwriting results of underwriting data and the underwriting process to monitor the underwriting wind control, and helps managers to know information such as underwriting rules, risk type interception amount and the like through result monitoring and process monitoring, thereby facilitating subsequent data statistical analysis and optimization of a risk prediction model. In addition, the invention also relates to a block chain technology, and the risk single quantity can be stored in the block chain.
Referring to fig. 6, a second embodiment of the wind control monitoring apparatus for nuclear protection according to the embodiment of the present invention includes:
an obtaining module 501, configured to obtain an underwriting wind control monitoring instruction and a monitored insurance type input by a user, and determine a monitoring type represented by the underwriting wind control monitoring instruction, where the monitoring type includes result monitoring and process monitoring;
a map generation module 502, configured to, when the monitoring type is result monitoring, obtain a policy corresponding to the insurance type and each item of policy information corresponding to the policy, and make a corresponding risk map according to the policy and the policy information, where the risk map includes risk policy amounts and risk scores of each insurance application location divided in a preset geographic area;
the early warning module 503 is configured to determine a high risk place among the various insurance places divided in the geographic area according to the risk unit amount and the risk score, and perform early warning on the high risk place;
an analysis module 504, configured to, when the monitoring type is process monitoring, analyze an underwriting process of the policy according to the policy information to obtain process monitoring data;
a sending module 505, configured to send the risk map or the process monitoring data to the user, so that the user performs a wind control analysis for the underwriting.
Wherein the map generation module 502 comprises:
a data obtaining unit 5021, configured to obtain a policy corresponding to the insurance type, each item of insurance data corresponding to the policy, and geographic information of the geographic area;
the classification unit 5022 is used for performing geographic region classification on the insurance policy according to the geographic information to obtain a geographic region classification result;
the model input unit 5023 is used for respectively inputting the various insurance data into a preset risk prediction model according to the geographic region classification result to obtain the risk score of the policy corresponding to the geographic region and whether the policy corresponding to the risk score is the risk policy or not;
a statistic unit 5024, configured to count the number of the risk tickets, and calculate a regional risk score of the geographic region according to a risk score corresponding to the risk ticket;
and the map display unit 5025 is used for displaying the number of the risk lists and the regional risk scores on a map according to a preset display mode and the geographic information to obtain a risk map.
Wherein the model input unit 5023 comprises:
a risk coefficient subunit 50231, configured to input the insurance data into a preset risk prediction model according to the geographic area classification result, to obtain corresponding coefficients of the insurance policy information;
an adjustment coefficient subunit 50232, configured to obtain a single adjustment coefficient corresponding to each item of policy information;
the adjusting subunit 50233 is configured to adjust the corresponding risk coefficients according to the single adjusting coefficients to obtain single risk score values of each item of insurable data;
and a risk judgment subunit 50234, configured to determine whether the policy corresponding to the one-way score of each item of insurance data is a risk policy.
Optionally, the risk judging subunit 50234 is specifically configured to:
obtaining the scoring weight of each item of insurable data;
carrying out weighted summation on each single-item score value according to the corresponding score weight to obtain a risk score;
judging whether the risk score is larger than a preset risk score threshold value or not;
and if so, determining that the policy corresponding to the risk score is a risk policy.
The wind control monitoring device for the nuclear protection further includes a trend graph module 506, and the trend graph module 506 is specifically configured to:
acquiring an insurance application place name input by a user, and inquiring corresponding historical scoring data according to the insurance application place name;
and drawing a risk score trend graph corresponding to the insurance place name according to the risk score and the historical score data.
Optionally, the analysis module 505 is specifically configured to:
inputting the quotation data in the policy data into the risk prediction model, judging whether the quotation data which is determined by the risk prediction model to be failed conforms to the compatibility rule or not, and counting the quantity of the quotation data which does not conform to the compatibility rule;
inputting the quotation data which accord with the traffic rules and the insurance data of the insurance policy data which are determined by the risk prediction model to be corresponding to the passing quotation data into the risk prediction model, judging whether the insurance data which are determined by the risk prediction model to be not passing accord with the traffic rules or not, and counting the number of the insurance data which do not accord with the traffic rules;
inputting the insurance data meeting the traffic rules and the batch data of the insurance data corresponding to the insurance data which is determined by the risk prediction model as passing insurance data into the risk prediction model, judging whether the batch data which is determined by the risk prediction model as failing conforms to the traffic rules or not, and counting the number of the batch data which do not conform to the traffic rules;
and outputting the quotation data, the insurance data and the batch data which do not accord with the negotiable rule as process monitoring data.
Optionally, the analysis module 505 is further specifically configured to:
inputting the quotation data into the risk prediction model to obtain a one-way risk score value of the quotation data;
if the one-way risk score value is larger than a preset one-way risk score threshold value, determining that the corresponding quotation data does not pass;
judging whether the quotation data determined by the risk prediction model as failing conforms to a compatibility rule or not;
and counting the quantity of the quoted price data which do not accord with the harmonizing rule.
The embodiment describes the specific functions of each module and the unit composition of part of the modules in detail on the basis of the previous embodiment, through the device, the monitoring of the underwriting process and the monitoring of the risk list result are realized, a manager can adjust an experience strategy according to monitored data, the risk list of an insurance company is reduced, the cheating action of part of insurance applicants is avoided, the benefits of the insurance company are maintained, the efficiency of underwriting work is established on the basis of normative and sound risk control, and the existing risk prediction model is continuously optimized according to the exhibition of the underwriting result and the insurance list risk type.
Fig. 5 and fig. 6 describe the central security wind control monitoring apparatus in the embodiment of the present invention in detail from the perspective of the modular functional entity, and the nuclear security wind control monitoring apparatus in the embodiment of the present invention is described in detail from the perspective of hardware processing.
Fig. 7 is a schematic structural diagram of an nuclear protection wind control monitoring apparatus 700 according to an embodiment of the present invention, where the nuclear protection wind control monitoring apparatus 700 may generate a relatively large difference due to different configurations or performances, and may include one or more processors (CPUs) 710 (e.g., one or more processors) and a memory 720, and one or more storage media 730 (e.g., one or more mass storage devices) storing an application 733 or data 732. Memory 720 and storage medium 730 may be, among other things, transient storage or persistent storage. The program stored in the storage medium 730 may include one or more modules (not shown), each of which may include a sequence of instructions operating on the plant 700. Further, the processor 710 may be configured to communicate with the storage medium 730, and execute a series of instruction operations in the storage medium 730 on the wind control monitoring apparatus 700 for implementing the steps of the wind control monitoring method for nuclear protection.
The PCMS 700 may also include one or more power supplies 740, one or more wired or wireless network interfaces 750, one or more input-output interfaces 760, and/or one or more operating systems 731, such as Windows Server, Mac OS X, Unix, Linux, FreeBSD, etc. Those skilled in the art will appreciate that the configuration of the nuclear protection wind control monitoring device illustrated in fig. 7 does not constitute a limitation of the nuclear protection wind control monitoring device provided herein, and may include more or fewer components than those illustrated, or some components in combination, or a different arrangement of components.
The block chain is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, a consensus mechanism, an encryption algorithm and the like. A block chain (Blockchain), which is essentially a decentralized database, is a series of data blocks associated by using a cryptographic method, and each data block contains information of a batch of network transactions, so as to verify the validity (anti-counterfeiting) of the information and generate a next block. The blockchain may include a blockchain underlying platform, a platform product service layer, an application service layer, and the like.
The present invention also provides a computer-readable storage medium, which may be a non-volatile computer-readable storage medium, and may also be a volatile computer-readable storage medium, where instructions are stored, and when the instructions are executed on a computer, the instructions cause the computer to execute the steps of the nuclear protection wind control monitoring method.
It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the above-described systems, apparatuses, and units may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: various media capable of storing program codes, such as a usb disk, a removable hard disk, a read-only memory (ROM), a Random Access Memory (RAM), a magnetic disk, or an optical disk.
The above-mentioned embodiments are only used for illustrating the technical solutions of the present invention, and not for limiting the same; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions of the embodiments of the present invention.

Claims (10)

1. A wind control monitoring method for nuclear protection is characterized by comprising the following steps:
acquiring a nuclear protection wind control monitoring instruction input by a user and a monitored insurance type, and judging the monitoring type represented by the nuclear protection wind control monitoring instruction, wherein the monitoring type comprises result monitoring and process monitoring;
if the monitoring type is result monitoring, acquiring a policy corresponding to the insurance type and various policy information corresponding to the policy, and making a corresponding risk map according to the policy and the policy information, wherein the risk map comprises risk policy amount and risk score of each insurance application place divided in a preset geographic area;
determining high-risk places in various insurance places divided in the geographic area according to the risk single amount and the risk scores, and early warning the high-risk places;
if the monitoring type is process monitoring, analyzing the underwriting process of the policy according to the policy information to obtain process monitoring data;
and sending the risk map or the process monitoring data to the user so as to be used for the user to carry out the wind control analysis of the underwriting.
2. The wind control monitoring method for nuclear protection according to claim 1, wherein the obtaining of the policy corresponding to the insurance type and the information of each policy corresponding to the policy, and the creating of the corresponding risk map according to the policy and the information of the policy comprises:
acquiring a policy corresponding to the insurance type, various policy information corresponding to the policy and geographic information of the geographic area;
performing geographical region classification on the policy according to the geographical information to obtain a geographical region classification result;
respectively inputting the information of each policy into a preset risk prediction model according to the classification result of the geographic area to obtain the risk score of the policy corresponding to the geographic area, and judging whether the policy corresponding to the risk score is a risk policy or not according to the risk score;
counting the number of the risk lists, and calculating the regional risk score of the geographic region according to the risk score corresponding to the risk list;
and displaying the number of the risk lists and the regional risk scores on a map according to a preset display mode and the geographic information to obtain a risk map.
3. The wind control monitoring method for underwriting protection according to claim 2, wherein the step of inputting the information of each policy into a preset risk prediction model according to the classification result of the geographic area to obtain a risk score of the policy corresponding to the geographic area, and the step of determining whether the policy corresponding to the risk score is a risk policy comprises the steps of:
respectively inputting the policy information into a preset risk prediction model according to the geographic region classification result to obtain corresponding risk coefficients of the policy information;
acquiring a single adjustment coefficient corresponding to each item of policy information;
adjusting the corresponding risk coefficient through the single adjustment coefficient to obtain a single risk score value of each item of policy information;
and according to the one-way score values of all the policy information, whether the policy really corresponds to the policy is a risk policy or not.
4. The wind control monitoring method for underwriting according to claim 3, wherein the step of determining whether the policy corresponding to the individual score value of each policy information is a risk policy comprises:
obtaining the scoring weight of each item of policy information;
carrying out weighted summation on each single-item score value according to the corresponding score weight to obtain a risk score;
judging whether the risk score is larger than a preset risk score threshold value or not;
and if so, determining that the policy corresponding to the risk score is a risk policy.
5. The wind control monitoring method for underwriting according to claim 4, wherein after determining a high risk site among the insurance sites divided in the geographic area according to the risk unit amount and the risk score and giving an early warning to the high risk site, the method further comprises:
acquiring an insurance application place name input by a user, and inquiring corresponding historical scoring data according to the insurance application place name;
and drawing a risk score trend graph corresponding to the insurance place name according to the risk score and the historical score data.
6. The wind control monitoring method for underwriting according to any one of claims 2-5, wherein the policy information includes quote data, insurance data and batch data according to the underwriting process, and the analyzing the underwriting process of the policy according to the policy information to obtain process monitoring data includes:
inputting the quotation data in the policy data into the risk prediction model, judging whether the quotation data which is determined by the risk prediction model to be failed conforms to the compatibility rule or not, and counting the quantity of the quotation data which does not conform to the compatibility rule;
inputting the quotation data which accord with the traffic rules and the insurance data of the insurance policy data which are determined by the risk prediction model to be corresponding to the passing quotation data into the risk prediction model, judging whether the insurance data which are determined by the risk prediction model to be not passing accord with the traffic rules or not, and counting the number of the insurance data which do not accord with the traffic rules;
inputting the insurance data meeting the traffic rules and the batch data of the insurance data corresponding to the insurance data which is determined by the risk prediction model as passing insurance data into the risk prediction model, judging whether the batch data which is determined by the risk prediction model as failing conforms to the traffic rules or not, and counting the number of the batch data which do not conform to the traffic rules;
and outputting the quotation data, the insurance data and the batch data which do not accord with the negotiable rule as process monitoring data.
7. The wind control monitoring method for underwriting according to claim 6, wherein the step of inputting the quotation data in the policy data into the risk prediction model and judging whether the quotation data determined by the risk prediction model as failing to pass conforms to the negotiable rule or not, and the step of counting the number of the quotation data which do not conform to the negotiable rule comprises the steps of:
inputting the quotation data into the risk prediction model to obtain a one-way risk score value of the quotation data;
if the one-way risk score value is larger than a preset one-way risk score threshold value, determining that the corresponding quotation data does not pass;
judging whether the quotation data determined by the risk prediction model as failing conforms to a compatibility rule or not;
and counting the quantity of the quoted price data which do not accord with the harmonizing rule.
8. The utility model provides a wind accuse monitoring device is protected to nuclear, its characterized in that, wind accuse monitoring device includes:
the system comprises an acquisition module, a monitoring module and a processing module, wherein the acquisition module is used for acquiring a nuclear protection wind control monitoring instruction and a monitored insurance type input by a user and judging the monitoring type represented by the nuclear protection wind control monitoring instruction, and the monitoring type comprises result monitoring and process monitoring;
the map generation module is used for acquiring a policy corresponding to the insurance type and various policy information corresponding to the policy when the monitoring type is result monitoring, and making a corresponding risk map according to the policy and the policy information, wherein the risk map comprises risk policy amount and risk score of each insurance application place divided in a preset geographic area;
the early warning module is used for determining high-risk places in all the insurance places divided in the geographic area according to the risk single quantity and the risk scores and early warning the high-risk places;
the analysis module is used for analyzing the underwriting process of the policy according to the policy information to obtain process monitoring data when the monitoring type is process monitoring;
and the sending module is used for sending the risk map or the process monitoring data to the user so as to allow the user to perform the wind control analysis of the nuclear protection.
9. The utility model provides a wind accuse supervisory equipment of guarantor, its characterized in that, the wind accuse supervisory equipment of guarantor includes: a memory having instructions stored therein and at least one processor, the memory and the at least one processor interconnected by a line;
the at least one processor invokes the instructions in the memory to cause the nuclear protection wind control monitoring device to perform the nuclear protection wind control monitoring method of any one of claims 1-7.
10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out a nuclear protection wind control monitoring method according to any one of claims 1 to 7.
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