【摘要】：改革開放以來的中國經(jīng)濟(jì)飛速發(fā)展，人民的生活發(fā)生了翻天覆地的變化，財富的積累也達(dá)到了前所未有的水平，家庭擁有汽車已不是夢想，作為首都北京，擁有各類機(jī)動車500萬輛。在過去的十余年間是機(jī)動車高速發(fā)展的時期，同時也是車輛保險中介機(jī)構(gòu)飛速發(fā)展的時期，中介機(jī)構(gòu)代理的保費收入占到整個北京車險市場的80%以上。由于中介機(jī)構(gòu)的員工素質(zhì)、公司規(guī)模、車險業(yè)務(wù)來源、兼業(yè)代理從事的主業(yè)等多個方面原因?qū)е赂骷抑薪闄C(jī)構(gòu)承保的業(yè)務(wù)質(zhì)量存在較大差異。同時，在競爭日益激烈的保險市場中，保險公司如何能解決“兩高一低”（高保費、高賠付、低效益）的窘境，除了在細(xì)化客戶的選擇方面需要做大量工作，更要著眼于中介機(jī)構(gòu)的篩選及管理。 本文將中介機(jī)構(gòu)的數(shù)據(jù)指標(biāo)分為承保類和理賠類兩大類指標(biāo)，并建立了中介機(jī)構(gòu)數(shù)據(jù)指標(biāo)體系。應(yīng)用數(shù)據(jù)挖掘理論、決策樹技術(shù)及C5.0算法，在中介機(jī)構(gòu)數(shù)據(jù)指標(biāo)體系上建立決策樹模型，，對中介機(jī)構(gòu)的數(shù)據(jù)指標(biāo)進(jìn)行分析，挖掘出中介業(yè)務(wù)的特征，為建立長期穩(wěn)定的合作提供科學(xué)的數(shù)據(jù)基礎(chǔ)。依據(jù)分析結(jié)果對中介機(jī)構(gòu)的合作方式進(jìn)行調(diào)整，從而達(dá)到提升公司對中介業(yè)務(wù)管理水平的目的，為公司建立可持續(xù)的高效發(fā)展打下堅實基礎(chǔ)。
[Abstract]:With the rapid development of China's economy since the reform and opening up, people's lives have undergone earth-shaking changes, and the accumulation of wealth has reached an unprecedented level. It is no longer a dream for families to own cars. As the capital, Beijing, It has 5 million motor vehicles of all kinds. In the past ten years, it is the period of rapid development of motor vehicles and the period of rapid development of vehicle insurance agency. The premium income of intermediary agency accounts for more than 80% of the whole auto insurance market in Beijing. Because of the quality of the staff, the size of the company, the origin of the auto insurance business and the main business of the part-time agent, there are great differences in the quality of the business insured by the agencies. At the same time, in the increasingly competitive insurance market, how can insurance companies solve the dilemma of "two high and one low" (high premium, high compensation, low benefit), apart from doing a lot of work in refining the choice of customers, More attention should be focused on the selection and management of intermediary organizations. In this paper, the data index of intermediary institution is divided into two categories: underwriting type and claim category, and the data index system of intermediary institution is established. Using data mining theory, decision tree technology and C5.0 algorithm, the decision tree model is established on the data index system of intermediary organization, and the data index of intermediary organization is analyzed, and the characteristics of intermediary business are excavated. To establish a long-term and stable cooperation to provide a scientific data base. According to the results of the analysis, the cooperation mode of the intermediary organization is adjusted, so as to improve the management level of the intermediary business, and lay a solid foundation for the establishment of sustainable and efficient development of the company.
【學(xué)位授予單位】：北京工業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F842.634

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