發(fā)布時(shí)間：2018-05-13 05:44

  本文選題：保險(xiǎn)理賠 + 風(fēng)險(xiǎn)控制�。� 參考：《吉林大學(xué)》2014年碩士論文

【摘要】：我國汽車保有量近年來不斷攀升，作為重要的交通運(yùn)輸工具的汽車發(fā)生翻車、碰撞、刮擦等交通事故也不斷增加，因而保險(xiǎn)與理賠業(yè)務(wù)也隨之增加。一方面帶動(dòng)了我國汽車保險(xiǎn)行業(yè)的發(fā)展，但同時(shí)隨著保險(xiǎn)業(yè)務(wù)的發(fā)展也出現(xiàn)了保險(xiǎn)風(fēng)險(xiǎn)在增加的趨勢(shì)，如何讓保險(xiǎn)公司規(guī)避風(fēng)險(xiǎn)保證利潤(rùn)，是保險(xiǎn)行業(yè)不斷研究的問題，對(duì)于保險(xiǎn)企業(yè)而言，控制好保險(xiǎn)理賠中的風(fēng)險(xiǎn)因素變得必要而且迫切。 隨著現(xiàn)代計(jì)算機(jī)技術(shù)的迅猛發(fā)展，已經(jīng)來到了大數(shù)據(jù)時(shí)代，數(shù)據(jù)挖掘技術(shù)為分析大數(shù)據(jù)提供了一個(gè)參考，它是從巨大的、有缺失的、不規(guī)律的、不確定的、數(shù)據(jù)庫中找出藏匿在數(shù)據(jù)里可以被利用的信息和關(guān)聯(lián)的過程，，也是一種決策支持過程。本論文將研究數(shù)據(jù)挖掘技術(shù)在汽車保險(xiǎn)理賠風(fēng)險(xiǎn)控制中的應(yīng)用。通過對(duì)汽車保險(xiǎn)理賠案例數(shù)據(jù)，運(yùn)用數(shù)據(jù)挖掘技術(shù)分析其中風(fēng)險(xiǎn)。具體研究?jī)?nèi)容如下： 第一章主要介紹了我國汽車保險(xiǎn)行業(yè)的發(fā)展現(xiàn)狀和存在的問題，并對(duì)存在的問題作了簡(jiǎn)單的分析；介紹了國內(nèi)外關(guān)于汽車保險(xiǎn)理賠定價(jià)、風(fēng)險(xiǎn)控制、騙賠等方面的研究現(xiàn)狀。 第二章闡述了數(shù)據(jù)挖掘技術(shù)的基本理論和方法，數(shù)據(jù)倉庫的定義及其體系結(jié)構(gòu)和設(shè)計(jì)構(gòu)造的步驟,并對(duì)數(shù)據(jù)挖掘工具和挖掘種類進(jìn)行了闡述。 第三章主要通過對(duì)汽車保險(xiǎn)理賠流程的分析來對(duì)車險(xiǎn)公司做總體需求分析，提出了保險(xiǎn)費(fèi)率，保險(xiǎn)風(fēng)險(xiǎn)和營業(yè)績(jī)效三條具體的需求。 第四章結(jié)合工作實(shí)際對(duì)山東中華某公司汽車保險(xiǎn)業(yè)務(wù)的理賠數(shù)據(jù)進(jìn)行清洗分類，在相關(guān)劃分和分析基礎(chǔ)上，對(duì)數(shù)據(jù)挖掘體系進(jìn)行總體設(shè)計(jì)。 第五章通過挖掘得出保險(xiǎn)產(chǎn)品定價(jià)、保險(xiǎn)理賠風(fēng)險(xiǎn)控制和保險(xiǎn)理賠中騙賠客戶的特征，并對(duì)結(jié)果進(jìn)行驗(yàn)證。 最后總結(jié)全文并對(duì)數(shù)據(jù)挖掘技術(shù)在保險(xiǎn)理賠行業(yè)的發(fā)展前景做出展望。
[Abstract]:The number of cars in our country has been increasing in recent years. As an important means of transportation, the number of accidents such as overturning, collision, scraping and so on has been increasing, so the business of insurance and claim has also increased. On the one hand, it drives the development of automobile insurance industry in our country, but at the same time, with the development of insurance business, there is also an increasing trend of insurance risks. How to let insurance companies avoid risks and ensure profits is a problem that the insurance industry has been constantly studying. For insurance enterprises, it is necessary and urgent to control the risk factors in insurance claims. With the rapid development of modern computer technology, has come to the era of big data, data mining technology provides a reference for the analysis of big data, it is from the huge, missing, irregular, uncertain, It is also a decision support process to find the information and association hidden in the database. This paper will study the application of data mining technology in risk control of auto insurance claims. Through the case data of auto insurance claims, data mining technology is used to analyze the risk. The specific contents of the study are as follows: The first chapter mainly introduces the current situation and existing problems of automobile insurance industry in China, and makes a simple analysis of the existing problems, and introduces the domestic and foreign research status of auto insurance claim pricing, risk control, fraud and so on. In the second chapter, the basic theory and method of data mining technology, the definition of data warehouse, its architecture and the steps of designing and constructing are described, and the data mining tools and kinds of mining are described. The third chapter analyzes the overall demand of auto insurance companies by analyzing the process of auto insurance claims, and puts forward three specific requirements: insurance rate, insurance risk and business performance. In the fourth chapter, the data of auto insurance business in Shandong Zhonghua Company are cleaned and classified, and the data mining system is designed on the basis of relevant division and analysis. In the fifth chapter, the characteristics of insurance product pricing, insurance claim risk control and insurance claim fraud are obtained, and the results are verified. Finally, the paper summarizes the development prospect of data mining technology in insurance claims industry.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F840.63;TP311.13

【參考文獻(xiàn)】

相關(guān)期刊論文 前5條

1 耿曉中;張冬梅;;數(shù)據(jù)挖掘綜述[J];長(zhǎng)春師范學(xué)院學(xué)報(bào);2006年06期

2 陳娜;;數(shù)據(jù)挖掘技術(shù)的研究現(xiàn)狀及發(fā)展方向[J];電腦與信息技術(shù);2006年01期

3 劉裔宏,王毓基;關(guān)于保險(xiǎn)理賠的概率分析[J];系統(tǒng)工程;1992年03期

4 唐金成;晏強(qiáng);聶海洋;;廣西三大財(cái)險(xiǎn)公司保險(xiǎn)理賠比較研究[J];廣西大學(xué)學(xué)報(bào)(哲學(xué)社會(huì)科學(xué)版);2011年05期

5 郭俊利;;汽車保險(xiǎn)理賠中的問題與對(duì)策探索[J];產(chǎn)業(yè)與科技論壇;2014年07期

本文編號(hào)：1881939