CN117611349A - Harbor enterprise cluster type safety liability risk pricing method and system based on cloud platform - Google Patents
Harbor enterprise cluster type safety liability risk pricing method and system based on cloud platform Download PDFInfo
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Abstract
The invention discloses a harbor enterprise cluster type safety liability risk pricing method and system based on a cloud platform, and the harbor enterprise cluster type safety liability risk pricing method comprises a data acquisition unit, a safety calculation unit and an information output unit.
Description
Technical Field
The invention relates to the technical field of safe responsibility risk pricing, in particular to a harbor enterprise cluster type safe responsibility risk pricing method and system based on a cloud platform.
Background
The prior work area comprises a series of production places such as factories, harbors and the like, enterprises can purchase security liabilities each year, on one hand, the enterprises can be guaranteed to stably operate, on the other hand, corresponding compensation can be given when accidental casualties occur to workers, but part of harbor enterprises with longer establishment time do not reasonably plan and purchase according to the conditions of the enterprises and benefits brought by the security liabilities when the security liabilities are purchased and priced, on the other hand, the loss caused by the enterprises is larger when the accidental casualties occur to workers, on the other hand, the purchased security liabilities cannot reach the expected effect due to the high security coefficients of the self production of the enterprises, and thus the waste of insurance funds is caused.
Disclosure of Invention
Aiming at the defects of the prior art, the invention provides a harbor enterprise cluster type safety liability insurance pricing method and system based on a cloud platform, which solve the problems that reasonable planning and purchasing cannot be carried out according to the situation of the harbor enterprise cluster type safety liability insurance pricing method and system, on one hand, fund waste is caused, and on the other hand, larger loss is caused.
In order to achieve the above purpose, the invention is realized by the following technical scheme: harbor enterprise cluster type safety liability risk pricing system based on cloud platform, comprising:
the data acquisition unit is used for acquiring basic data of the target object and transmitting the acquired basic data of the target object to the security calculation unit, wherein the basic data comprises: personnel safety value RY, equipment safety value SB and working time length value SC;
a data storage unit for transmitting the history information to the security calculation unit;
the safety calculation unit is used for obtaining a safety coefficient K according to the obtained basic data of the target object and calculating, and transmitting the safety coefficient K and the historical information to the pricing selection unit;
the pricing selection unit is used for analyzing according to the safety coefficient K and the historical information record, acquiring J type safety liability risks, simultaneously acquiring any type of safety liability risks, calculating to obtain the safety coefficients Ky of different enterprises purchasing the type of safety liability risks, calculating to obtain an average value Kyp, and similarly calculating to obtain the standard value JKyp of all types of safety liability risks;
calculating an I K-JKyp I difference value, selecting a safety responsibility type corresponding to the smallest difference value, judging to generate a pricing signal and a signal to be selected, transmitting the signal to be selected to a signal analysis unit, and transmitting the pricing signal to an information output unit;
the signal analysis unit is used for analyzing the transmitted signals to be selected, obtaining the insurance amount TJ, the insurance amount HJ and the total compensation amount PJ of the safety liability risks under the corresponding types, calculating the benefit amount JE, comparing the benefit amount JE with a preset value YS, generating selected signals and unselected signals, reversely transmitting the selected signals and the unselected signals to the pricing selection unit, analyzing the unselected signals by the pricing selection unit, and selecting according to the purchase times of the safety liability risks of different types.
As a further aspect of the invention: the personnel safety value RY is obtained as follows:
q1: dividing the injury grades DJ into light, medium and heavy, wherein DJ=a, B and C, wherein a is assigned as A, B, B, C is assigned as C, and in the application, A=1, B=1.5 and C=2, and the number DJi of people and the total number Rz of the people returning under different injury grades are correspondingly acquired;
q2: the number of people Dj i is then substituted into the formula:calculating a grade value M, and substituting the total number RZ of the retried person into a formula: />Calculating to obtain a re-returning value N, and substituting the grade value M and the re-returning value N into a formula: ry=m+n, and calculating to obtain a personnel safety value;
the device security value SB is obtained as follows:
acquiring maintenance times C of equipmentS and purchase duration GT, and substituting the formula:calculating to obtain an equipment safety value SB, wherein u is an aging factor, and the specific value of u is set by an operator;
the working time length value SC is obtained as follows:
w1: acquiring the working time of all people in one month, calculating an average value to obtain an average time Tp, and then acquiring a specified time Tg, wherein Tg=8;
w2: substituting the average duration Tp and the prescribed duration Tg into the formula:and calculating to obtain a working time length value SC.
As a further aspect of the invention: the specific way for the safety calculation unit to calculate the safety coefficient K is as follows:
substituting the personnel safety value RY, the equipment safety value SB and the working time length value SC into a formula: k=ry+sb+sc, the security coefficient K is calculated, and the security coefficient K and the history information are transmitted to the pricing selection unit.
As a further aspect of the invention: the specific analysis mode of the pricing selection unit is as follows:
p1: acquiring J types of security liabilities, wherein J=1, … and n, acquiring any type of security liabilities for analysis, acquiring security coefficients Ky of different enterprises in the type of security liabilities, wherein y represents the labels of the different enterprises, y=1, 2 and …, calculating the average value of the security coefficients Kyp of the different enterprises, and taking the average value as the standard value of subsequent calculation;
similarly, calculating the standard value JKyp of all J-type safety liability risks;
p2: then calculating the difference value of the absolute value K-JKyp, wherein J=1, …, n, y=1, 2 and …, selecting the safety liability risk type with the smallest difference value, and judging the selected safety liability risk type in the following specific judging mode:
if the selected security liability risk does not have a history record, the system judges that the selected security liability risk is selected, and generates a pricing signal, and the pricing selecting unit transmits the pricing signal to the information output unit;
if the selected security liability risk has a history record, the system judges that the security liability risk is to be selected, generates a signal to be selected, and simultaneously transmits the signal to be selected to the signal analysis unit.
As a further aspect of the invention: the specific analysis mode of the signal analysis unit to be selected is as follows:
a1: acquiring the insurance coverage TJ and the insurance coverage HJ of the security liability risk under the corresponding types, calculating a difference value I TJ-HJ I between the insurance coverage TJ and the insurance coverage HJ, acquiring the total compensation amount PJ, and substituting the I TJ-HJ I and the PJ into a formula: JE= |TJ-HJ| -PJ, and calculating to obtain the final benefit amount JE;
a2: the final benefit amount JE is compared with a preset value YS, the value YS is set by an operator by the operator, and the specific comparison mode is as follows:
when JE is more than or equal to YS, the system judges profit and generates a selection signal, and meanwhile, the selection signal is reversely transmitted to the pricing selection unit;
when JE < YS, the system determines that the price is not favorable and generates an unselected signal while transmitting the unselected signal back to the pricing selection unit.
As a further aspect of the invention: a pricing method of a harbor enterprise cluster type safety liability risk pricing system based on a cloud platform specifically comprises the following steps:
step one: firstly, basic data of a target object are obtained, and a safety coefficient value K of the target object is obtained through calculation according to the basic data of the target object;
step two: then analyzing according to the security coefficient value K and the historical purchasing record, acquiring J type security liability risks, simultaneously calculating to obtain standard values JKyp of all J type security liability risks, then calculating an I K-JKyp I difference value, selecting the security liability risk type with the smallest difference value, judging the selected security liability risk type, and generating a pricing signal and a signal to be selected;
step three: then analyzing the signal to be selected to obtain the insurance coverage TJ and the insurance coverage HJ of the safety liability under the corresponding types, simultaneously obtaining the total compensation amount PJ, substituting the total compensation amount PJ into a formula to calculate the benefit amount JE, and comparing the benefit amount JE with a preset value YS to generate a selected signal and an unselected signal;
step four: eliminating the security liability risk type with the minimum difference value of the I K-JKyp I under the condition of no selected signal, screening out enterprises with the I K-JKyp I difference value in a designated interval, acquiring the times of purchasing security liability risks of the enterprises, and selecting the security liability risk type with the maximum purchase times;
step five: and transmitting the selected result to an information output unit.
Advantageous effects
The invention provides a harbor enterprise cluster type safety liability insurance pricing method and system based on a cloud platform. Compared with the prior art, the method has the following beneficial effects:
according to the invention, the safety production coefficient of the enterprise is comprehensively judged by analyzing the self condition of the enterprise, proper purchase pricing is further carried out according to the safety production coefficient, and further analysis is carried out according to the historical purchase record of the enterprise and the purchase condition of different types of safety liability risks, so that the waste of enterprise insurance funds caused by blind purchase is avoided, the damage to the interests of the enterprise caused by unreasonable purchase is also avoided, and meanwhile, the interests of production personnel are also ensured by reasonable purchase of the safety liability risks.
Drawings
FIG. 1 is a block diagram of a system of the present invention.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
Example 1
Referring to fig. 1, the present application provides a harbor enterprise cluster type security liability risk pricing system based on a cloud platform, including:
the data acquisition unit is used for acquiring basic data of a target object and transmitting the acquired basic data of the target object to the security calculation unit, wherein the target object comprises a harbor enterprise, and the basic data comprises: the personnel safety value RY, the equipment safety value SB and the working time length value SC, wherein the personnel safety value RY is obtained by the following way:
q1: dividing the injury level DJ of personnel into light, medium and heavy, wherein DJ=a, B and C, wherein a is assigned as A, B, B, C is assigned as C, the A=1, B=1.5 and C=2 in the application, the division standard of the light level is that the injury is completely recovered between the sections (0, 2), the division standard of the level is that the injury is completely recovered between the sections (2, 6), the division standard of the heavy level is that the injury is completely recovered between the sections (6, 12), the unit is month, and the personnel number DJi and the total reentry number Rz under different injury levels are correspondingly acquired;
q2: the number of people Dj i is then substituted into the formula:calculating a grade value M, and substituting the total number RZ of the retried person into a formula: />Calculating to obtain a re-returning value N, and substituting the grade value M and the re-returning value N into a formula: ry=m+n, and calculating to obtain a personnel safety value;
the device security value SB is obtained as follows:
acquiring maintenance times CS and purchase time GT of equipment, and substituting the maintenance times CS and the purchase time GT into a formula:calculating to obtain an equipment safety value SB, wherein u is an aging factor, and the specific value of u is set by an operator;
the working time length value SC is obtained as follows:
w1: acquiring the working time of all people in one month, calculating an average value to obtain an average time Tp, and then acquiring a specified time Tg, wherein Tg=8;
w2: will averageThe duration Tp and the prescribed duration Tg are substituted into the formula:and calculating to obtain a working time length value SC.
A data storage unit for transmitting history information to the security calculation unit, wherein the history information includes personnel injury DJ, total personnel re-entry Rz, equipment maintenance number CS, personnel number DJi under different injury grades and history purchase record;
the safety calculation unit is used for calculating the safety coefficient K according to the acquired basic data of the target object, and the specific calculation mode is as follows:
substituting the personnel safety value RY, the equipment safety value SB and the working time length value SC into a formula: k=ry+sb+sc, calculating a security coefficient K, and transmitting the security coefficient K and history information to the pricing selection unit;
the pricing selection unit is used for analyzing according to the safety coefficient K and the historical information, and the historical purchase record comprises: the type of the purchase security liability insurance and the purchase times of different types of the security liability insurance are purchased, and pricing signals are generated, wherein the specific analysis mode is as follows:
p1: acquiring J type safety liability risks, wherein the values of J=1, …, n and n are determined by the types of the safety liability risks, acquiring any type of safety liability risks for analysis, acquiring the safety coefficients Ky of different enterprises in the type of safety liability risks, wherein y represents the labels of the different enterprises, and simultaneously calculating the average value of the safety coefficients Kyp of the different enterprises, and taking the average value as the standard value of subsequent calculation;
similarly, calculating the standard value JKyp of all J-type safety liability risks;
p2: then calculating the difference value of the absolute value K-JKyp, wherein J=1, …, n, y=1, 2 and …, selecting the safety liability risk type with the smallest difference value, and judging the selected safety liability risk type in the following specific judging mode:
if the selected security liability risk does not have a history record, the system judges that the selected security liability risk is selected, and generates a pricing signal, and the pricing selecting unit transmits the pricing signal to the information output unit;
if the selected security liability risk has a history record, the system judges that the security liability risk is to be selected, generates a signal to be selected, and simultaneously transmits the signal to be selected to a signal analysis unit;
the signal analysis unit is used for analyzing the transmitted signal to be selected and reversely transmitting the analysis result to the pricing selection unit, and the specific analysis mode is as follows:
a1: acquiring the insurance coverage TJ and the insurance coverage HJ of the security liability risk under the corresponding types, calculating a difference value I TJ-HJ I between the insurance coverage TJ and the insurance coverage HJ, acquiring the total compensation amount PJ, and substituting the I TJ-HJ I and the PJ into a formula: JE= |TJ-HJ| -PJ, and calculating to obtain the final benefit amount JE;
a2: the final benefit amount JE is compared with a preset value YS, the value YS is set by an operator by the operator, and the specific comparison mode is as follows:
when JE is more than or equal to YS, the system judges profit and generates a selection signal, and meanwhile, the selection signal is reversely transmitted to the pricing selection unit;
when JE < YS, the system determines that the price is not favorable and generates an unselected signal while transmitting the unselected signal back to the pricing selection unit.
P3: the pricing selection unit acquires the unselected signals and analyzes the unselected signals in the following specific analysis modes:
b1: rejecting the safety liability risk type with the smallest difference value of the selected I K-JKyp I, screening the enterprise y with the I K-JKyp I interval of (1, 2), acquiring the purchase record of any one enterprise, then acquiring the times CJ of purchasing different types of safety liability risks of the enterprise, wherein J=1, … and n,
the number yCJ of times different enterprises purchase different types of security liabilities is obtained by the similar method;
b2: and selecting the safety liability risk type with the largest purchase times of different enterprises, defaulting to only one safety liability risk type, generating a pricing signal, and transmitting the pricing signal to an information output unit.
Example two
Compared with the first embodiment, the difference between the present embodiment is that the manner of selecting the security liability risks with the largest purchase times for different enterprises is different, and if there are multiple security liability risks with the same purchase times, the specific selection manner is as follows:
g1: acquiring the purchase times of different types of security liabilities of a target object, and screening out the security liabilities of the corresponding types when the times are maximum;
and G2: and continuously matching the screened maximum security liability risk with the same number of times as the plurality of purchases, selecting the security liability risk with the purchase history of the target object, generating a pricing signal, and transmitting the pricing signal to the information output unit.
Example III
A pricing method of a harbor enterprise cluster type safety liability risk pricing system based on a cloud platform specifically comprises the following steps:
step one: firstly, basic data of a target object are obtained, and a safety coefficient value K of the target object is obtained through calculation according to the basic data of the target object;
step two: then analyzing according to the security coefficient value K and the historical purchasing record, acquiring J type security liability risks, simultaneously calculating to obtain standard values JKyp of all J type security liability risks, then calculating an I K-JKyp I difference value, selecting the security liability risk type with the smallest difference value, judging the selected security liability risk type, and generating a pricing signal and a signal to be selected;
step three: then analyzing the signal to be selected to obtain the insurance coverage TJ and the insurance coverage HJ of the safety liability under the corresponding types, simultaneously obtaining the total compensation amount PJ, substituting the total compensation amount PJ into a formula to calculate the benefit amount JE, and comparing the benefit amount JE with a preset value YS to generate a selected signal and an unselected signal;
step four: eliminating the security liability risk type with the minimum difference value of the I K-JKyp I under the condition of no selected signal, screening out enterprises with the I K-JKyp I difference value in a designated interval, acquiring the times of purchasing security liability risks of the enterprises, and selecting the security liability risk type with the maximum purchase times;
step five: and transmitting the selected result to an information output unit.
Some of the data in the above formulas are all calculated by taking the numerical values from the data, and the contents not described in detail in the present specification are all well known in the prior art.
The above embodiments are only for illustrating the technical method of the present invention and not for limiting the same, and it should be understood by those skilled in the art that the technical method of the present invention may be modified or substituted without departing from the spirit and scope of the technical method of the present invention.
Claims (7)
1. Harbor enterprise cluster type safety liability insurance pricing system based on cloud platform, which is characterized by comprising:
the data acquisition unit is used for acquiring basic data of the target object and transmitting the acquired basic data of the target object to the security calculation unit, wherein the basic data comprises: personnel safety value RY, equipment safety value SB and working time length value SC;
a data storage unit for transmitting the history information to the security calculation unit;
the safety calculation unit is used for obtaining a safety coefficient K according to the obtained basic data of the target object and calculating, and transmitting the safety coefficient K and the historical information to the pricing selection unit;
the pricing selection unit is used for analyzing according to the safety coefficient K and the historical information record, acquiring J type safety liability risks, simultaneously acquiring any type of safety liability risks, calculating to obtain the safety coefficients Ky of different enterprises purchasing the type of safety liability risks, calculating to obtain an average value Kyp, and similarly calculating to obtain the standard value JKyp of all types of safety liability risks;
calculating an I K-JKyp I difference value, selecting a safety responsibility type corresponding to the smallest difference value, judging to generate a pricing signal and a signal to be selected, transmitting the signal to be selected to a signal analysis unit, and transmitting the pricing signal to an information output unit;
the signal analysis unit is used for analyzing the transmitted signals to be selected, obtaining the insurance amount TJ, the insurance amount HJ and the total compensation amount PJ of the safety liability risks under the corresponding types, calculating the benefit amount JE, comparing the benefit amount JE with a preset value YS, generating selected signals and unselected signals, reversely transmitting the selected signals and unselected signals to the pricing selection unit, analyzing the unselected signals by the pricing selection unit, selecting according to the purchase times of the safety liability risks of different types, generating corresponding pricing results, and transmitting the pricing signals to the information output unit;
the information output unit acquires the transmitted pricing signals and displays the pricing signals to corresponding operators.
2. The cloud platform-based harbor enterprise clustered security liability insurance pricing system according to claim 1, wherein the personnel security value RY is obtained as follows:
q1: dividing the injury grades DJ into light, medium and heavy, wherein DJ=a, b and C, wherein a is assigned as A, b, B, C is assigned as C, and the number DJi of people and the total number Rz of the people returning under different injury grades are correspondingly acquired;
q2: the number of people DJi is then substituted into the formula:calculating a grade value M, and substituting the total number RZ of the retried person into a formula: />Calculating to obtain a re-returning value N, and substituting the grade value M and the re-returning value N into a formula: ry=m+n, and calculating to obtain a personnel safety value;
the device security value SB is obtained as follows:
acquiring maintenance times CS and purchase time GT of equipment, and substituting the maintenance times CS and the purchase time GT into a formula:calculating to obtain an equipment safety value SB, wherein u is an aging factor;
the working time length value SC is obtained as follows:
w1: acquiring the working time of all people in one month, calculating an average value to obtain an average time Tp, and then acquiring a specified time Tg, wherein Tg=8;
w2: substituting the average duration Tp and the prescribed duration Tg into the formula:and calculating to obtain a working time length value SC.
3. The cloud platform-based harbor enterprise cluster type safety liability risk pricing system according to claim 1, wherein the specific way for the safety calculation unit to calculate the safety factor K is:
substituting the personnel safety value RY, the equipment safety value SB and the working time length value SC into the formula: k=ry+sb+sc, and the safety factor K is calculated.
4. The cloud platform-based harbor enterprise clustered security liability risk pricing system according to claim 1, wherein the specific analysis mode of the pricing selection unit is as follows:
p1: acquiring J types of security liabilities, wherein J=1, … and n, acquiring any type of security liabilities for analysis, acquiring security coefficients Ky of different enterprises in the type of security liabilities, wherein y represents the labels of the different enterprises, y=1, 2 and …, calculating the average value of the security coefficients Kyp of the different enterprises, and taking the average value as the standard value of subsequent calculation;
similarly, calculating the standard value JKyp of all J-type safety liability risks;
p2: then calculating the difference value of the absolute value K-JKyp, wherein J=1, …, n, y=1, 2 and …, selecting the safety liability risk type with the smallest difference value, and judging the selected safety liability risk type in the following specific judging mode:
if the selected security liability risk does not have a history record, the system judges the selection and generates a pricing signal;
if the selected security liability risk has a history record, the system judges that the security liability risk is to be selected and generates a signal to be selected.
5. The cloud platform-based harbor enterprise cluster type safety liability risk pricing system according to claim 1, wherein the specific analysis mode of the signal analysis unit to be selected is as follows:
a1: acquiring the insurance coverage TJ and the insurance coverage HJ of the security liability risk under the corresponding types, calculating a difference value I TJ-HJ I between the insurance coverage TJ and the insurance coverage HJ, acquiring the total compensation amount PJ, and substituting the I TJ-HJ I and the PJ into a formula: JE= |TJ-HJ| -PJ, and calculating to obtain the final benefit amount JE;
a2: the final benefit amount JE is compared with a preset value YS, the value YS is set by an operator by the operator, and the specific comparison mode is as follows:
when JE is more than or equal to YS, the system judges profit and generates a selection signal, and meanwhile, the selection signal is reversely transmitted to the pricing selection unit;
when JE < YS, the system determines that the price is not favorable and generates an unselected signal while transmitting the unselected signal back to the pricing selection unit.
6. The cloud platform-based harbor enterprise clustered security liability risk pricing system according to claim 1, wherein the pricing selection unit obtains the reverse transmitted unselected signals and performs the following analysis:
b1: rejecting the safety liability risk type with the smallest difference value of the selected I K-JKyp I, screening the enterprise y with the I K-JKyp I interval of (1, 2), acquiring the purchase record of any one enterprise, then acquiring the times CJ of purchasing different types of safety liability risks of the enterprise, wherein J=1, … and n,
the number yCJ of times different enterprises purchase different types of security liabilities is obtained by the similar method;
b2: and selecting the safety liability risk type with the largest purchase times of different enterprises, and generating a pricing signal.
7. A method for pricing the cloud platform-based harbor district enterprise cluster type security liability pricing system according to any one of claims 1 to 6, characterized by comprising the following steps:
step one: firstly, basic data of a target object are obtained, and a safety coefficient value K of the target object is obtained through calculation according to the basic data of the target object;
step two: then analyzing according to the security coefficient value K and the historical purchasing record, acquiring J type security liability risks, simultaneously calculating to obtain standard values JKyp of all J type security liability risks, then calculating an I K-JKyp I difference value, selecting the security liability risk type with the smallest difference value, judging the selected security liability risk type, and generating a pricing signal and a signal to be selected;
step three: then analyzing the signal to be selected to obtain the insurance coverage TJ and the insurance coverage HJ of the safety liability under the corresponding types, simultaneously obtaining the total compensation amount PJ, substituting the total compensation amount PJ into a formula to calculate the benefit amount JE, and comparing the benefit amount JE with a preset value YS to generate a selected signal and an unselected signal;
step four: eliminating the security liability risk type with the minimum difference value of the I K-JKyp I under the condition of no selected signal, screening out enterprises with the I K-JKyp I difference value in a designated interval, acquiring the times of purchasing security liability risks of the enterprises, and selecting the security liability risk type with the maximum purchase times;
step five: and transmitting the selected result to an information output unit.
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