CN117011074A - Risk early warning method and platform - Google Patents
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Abstract
The application discloses a risk early warning method and a risk early warning platform, wherein the method comprises the following steps: determining a first personnel early warning level and a first business early warning level of each business according to the acquired personnel management information and business management information of each insurance company in the insurance group; determining a second personnel early warning level corresponding to personnel management information in each insurance company according to the first personnel early warning level; determining each second service early warning level according to the first service early warning level; determining the early warning level of the insurance group according to the second personnel early warning level and the second service early warning level of each insurance company; and determining a second condition threshold range according to the first condition threshold range of the underwriting rate of the insurance group and the early warning level, and sending out first risk early warning to the insurance group when the underwriting rate of the insurance group exceeds the second condition threshold range. By adopting the embodiment of the application, the condition threshold range of the proper insurance group can be set, so that the accuracy of risk early warning on the underwriting rate of the insurance group is improved.
Description
Technical Field
The application relates to the technical field of risk management, in particular to a risk early warning method and a risk early warning platform.
Background
The underwriting rate importance is not negligible to the insurance group, as it is an important indicator of the risk-bearing capacity of the insurance group. When the underwriting rate is too high, the claim expenditure of the insurance group exceeds the income of the insurance group, and the risk born by the insurance group is too large, so that the financial condition of the insurance group is deteriorated; when the underwriting rate is too low, the income of the insurance group exceeds the claim expenditure, the market competitiveness of the insurance group becomes smaller, and the market competitive pressure of the insurance group becomes larger.
Therefore, setting a proper condition threshold range for the underwriting rate for risk early warning is of great importance to the insurance group. The change and trend of the underwriting risk can be found in time through the risk early warning, so that an insurance group is helped to better realize risk control and management, and sustainable development of insurance group business is maintained.
Currently, an insurance group generally sets a fixed condition threshold range according to market environment and regulatory requirements, so as to perform risk early warning on the underwriting rate of the insurance group. In fact, the setting of the condition threshold range is also affected by the overall operation condition of the insurance group, so that the accuracy of risk early warning for the underwriting rate of the insurance group by adopting the fixed condition threshold range set as described above is not enough.
Disclosure of Invention
The application provides a risk early warning method and a risk early warning platform, which can set a condition threshold range suitable for an insurance group, thereby improving the accuracy of risk early warning on the underwriting rate of the insurance group.
In a first aspect, the present application provides a risk early warning method, including:
according to the acquired personnel management information and service management information of each insurance company in the insurance group, determining a first personnel early warning level corresponding to each piece of sub-personnel information in each piece of personnel management information and a first service early warning level corresponding to each piece of sub-service information in each piece of service management information;
determining a second personnel early warning level corresponding to the personnel management information in each insurance company according to a first personnel early warning level corresponding to each piece of personnel information and a first duration of the first personnel early warning level maintained by each piece of personnel information;
determining a second service early-warning level corresponding to the management information in each insurance company according to a first service early-warning level corresponding to each piece of sub-service information and a second duration of keeping the first service early-warning level by each piece of sub-service information;
determining the early warning level of the insurance group according to the second personnel early warning level and the second service early warning level of each insurance company;
Determining a second condition threshold range according to a first condition threshold range of the underwriting rate of the insurance group and the early warning level, wherein the first condition threshold range is a maximum condition threshold range determined according to the market environment in which the insurance group is located and the supervision requirement, and the second condition threshold range is smaller than the first condition threshold range;
and when the underwriting rate of the insurance group exceeds the second condition threshold range, a first risk early warning is sent to the insurance group.
By adopting the technical scheme, the risk early-warning level of the insurance group is determined according to the risk early-warning level of each insurance company under the insurance group in personnel management information and business management information, so that the second condition threshold range of the insurance group underwriting rate is determined according to the risk early-warning level of the insurance group. Compared with the prior art, the method comprehensively considers the overall operation condition of the insurance group, sets a reasonable condition threshold range for the underwriting rate, and improves the accuracy of the insurance group on the underwriting rate risk early warning.
Optionally, the determining, according to the acquired personnel management information and service management information of each insurance company in the insurance group, a first personnel early warning level corresponding to each piece of sub-personnel information in each piece of personnel management information, and a first service early warning level corresponding to each piece of sub-service information in each piece of service management information includes:
Comparing each piece of personnel information in personnel management information of each insurance company in the obtained insurance group with a corresponding early warning threshold value to determine the first personnel early warning level, wherein each piece of personnel information in the personnel management information comprises platform utilization rate, team activity rate, performance amplification rate, personnel increase rate, personnel retention rate, customer satisfaction and personnel structure concentration;
and comparing each piece of sub-service information in the acquired service management information of each insurance company in the insurance group with a corresponding early warning threshold value to determine the first service early warning level, wherein the sub-service information comprises self-part occupation ratio, continuation rate, hesitation period refund rate, single customer number, customer concentration and equal part premium.
By adopting the technical scheme, the second personnel early warning level of the personnel management information and the second service early warning level of the service management information are determined more accurately and comprehensively according to the first personnel early warning level of the sub-personnel information in the personnel management information and the first service early warning level of the sub-service information in the service management information.
Optionally, the first personnel early warning level corresponding to the personnel management information in each insurance company is determined according to the first personnel early warning level corresponding to each piece of personnel information and the first duration of the first personnel early warning level maintained by each piece of personnel information; determining a second service early-warning level corresponding to the management information in each insurance company according to a first service early-warning level corresponding to each piece of sub-service information and a second duration of keeping the first service early-warning level by each piece of sub-service information, wherein the method comprises the following steps:
When the first time length of the first personnel early warning level is kept by the child personnel information to exceed an early warning time length threshold value, the first personnel early warning level is raised;
determining a second personnel early warning level corresponding to the personnel management information in the insurance company according to the raised first personnel early warning levels;
when the sub-service information keeps the second time length of the first service early-warning level to exceed an early-warning time length threshold value, the first service early-warning level is raised;
and determining a second service early warning grade corresponding to the service management information in the insurance company according to each first service early warning grade after the rising.
By adopting the technical scheme, when the first time length of the first personnel early warning level is kept by the personnel information and exceeds the early warning time length threshold, the problem that the corresponding personnel information exists is not solved in time by the insurance company, so that the corresponding first personnel early warning level is raised.
Optionally, determining a second personnel early warning level corresponding to the personnel management information in the insurance company according to the raised first personnel early warning levels; according to the raised first service early warning levels, determining a second service early warning level corresponding to the service management information in the insurance company, including:
Determining a first early warning coefficient according to the raised early warning level of each first person and the early warning formula;
comparing the first early warning coefficient with a corresponding early warning threshold value to determine the early warning level of the second person;
determining a second early warning coefficient according to the raised first service early warning grades and the early warning formulas;
determining the second service early warning level according to comparison of the second early warning coefficient and a corresponding early warning threshold value;
wherein, the early warning formula is:
/N+
wherein Y represents an early warning coefficient; n represents the number of sub-information related to each other; i represents the ith interrelated sub-information; j represents the j-th sub-information in the sub-information correlated with each other;the pre-warning weight of the ith correlated sub-information is represented;Representing early warning grades corresponding to the jth sub-information in the inter-related management dimension information; p represents the number of sub-information which are not related to each other; k represents the kth mutually unassociated sub-information;The pre-warning weight of the kth non-associated sub-information is represented;and representing the early warning level corresponding to the kth sub-information in the sub-information which is not related to each other.
By adopting the technical scheme, the relevance of each piece of sub-personnel information in the personnel management information is considered, and different early warning weights are set according to the sub-personnel information with different relevance, so that the accuracy of the first early warning coefficient is improved.
Optionally, the determining the early warning level of the insurance group according to the second personnel early warning level and the second service early warning level of each insurance company includes:
determining a third personnel early warning level of the insurance group according to the second personnel early warning level of each insurance company;
determining a third service early warning level of the insurance group according to the second service early warning level of each insurance company;
determining personnel risk early warning weights and business risk early warning weights according to the number of second personnel early warning levels of different levels and the number of second business early warning levels of different levels;
and determining the early warning level of the insurance group according to the third personnel early warning level, the third service early warning level, the risk early warning weight and the service risk early warning weight.
By adopting the technical scheme, the overall operation condition of the insurance group is comprehensively considered, and the risk early-warning level of the insurance group is determined according to the second personnel early-warning level and the second service early-warning level of each insurance company under the insurance group, so that the accuracy of the risk early-warning level is improved.
Optionally, the determining the second condition threshold range according to the first condition threshold range of the underwriting rate of the insurance group and the early warning level includes:
determining a condition threshold corresponding to the early warning level according to the early warning level;
and reducing a first condition threshold range of the underwriting rate of the insurance group through the condition threshold, and obtaining a second condition threshold range.
By adopting the technical scheme, the range of the first condition threshold is reduced according to the early warning level of the insurance group, and the range of the second condition threshold which is more attached to the operation condition of the insurance group is obtained, so that the accuracy of the insurance group on the early warning of the underwriting rate risk is improved.
Optionally, the method further comprises:
determining corresponding condition thresholds of the insurance companies according to the second personnel early warning level and the second service early warning level of the insurance companies;
and adjusting the second condition threshold range through the condition threshold to obtain a third condition threshold range of each insurance company, wherein the third condition threshold range is smaller than the first condition threshold range.
And when the underwriting rate of any insurance company in the insurance group exceeds the third condition threshold range, sending a second risk early warning to the corresponding insurance company.
By adopting the technical scheme, the second condition threshold range is adjusted according to the second personnel early warning level and the second service early warning level of each insurance company, so that the third condition threshold range which is more attached to the operation condition of each insurance company is obtained, and the accuracy of the insurance company on the insurance risk early warning of the underwriting rate is further improved.
In a second aspect of the present application, there is provided a risk early warning platform, the platform comprising:
the first early warning level determining module is used for determining a first personnel early warning level corresponding to each piece of sub-personnel information in each piece of personnel management information and a first service early warning level corresponding to each piece of sub-service information in each piece of service management information according to the acquired personnel management information and service management information of each insurance company in the insurance group;
the second personnel early warning level determining module is used for determining a second personnel early warning level corresponding to the personnel management information in each insurance company according to the first personnel early warning level corresponding to each piece of sub-personnel information and the first duration of the first personnel early warning level maintained by each piece of sub-personnel information;
the second service early-warning level determining module is used for determining a second service early-warning level corresponding to the management information in each insurance company according to the first service early-warning level corresponding to each piece of sub-service information and the second duration of the first service early-warning level maintained by each piece of sub-service information;
The insurance group early warning grade determining module is used for determining the early warning grade of the insurance group according to the second personnel early warning grade and the second service early warning grade of each insurance company;
the condition threshold range determining module is used for determining a second condition threshold range according to a first condition threshold range of the underwriting rate of the insurance group and the early warning grade, wherein the first condition threshold range is a maximum condition threshold range determined according to the market environment in which the insurance group is located and the supervision requirement, and the second condition threshold range is smaller than the first condition threshold range;
and the first risk early warning module is used for sending a first risk early warning to the insurance group when the underwriting rate of the insurance group exceeds the range of the second condition threshold.
In a third aspect the application provides a computer storage medium storing a plurality of instructions adapted to be loaded by a processor and to perform the above-described method steps.
In a fourth aspect of the present application, there is provided a server comprising: a processor, a memory; wherein the memory stores a computer program adapted to be loaded by the processor and to perform the above-mentioned method steps.
In summary, one or more technical solutions provided in the embodiments of the present application at least have the following technical effects or advantages:
and determining the risk early-warning level of the insurance group according to the risk early-warning level of each insurance company under the insurance group in personnel management information and business management information, thereby determining the second condition threshold range of the insurance group underwriting rate according to the risk early-warning level of the insurance group. Compared with the prior art, the method comprehensively considers the overall operation condition of the insurance group, sets a reasonable condition threshold range for the underwriting rate, and improves the accuracy of the insurance group on the underwriting rate risk early warning.
Drawings
Fig. 1 is a schematic flow chart of a risk early warning method according to an embodiment of the present application;
fig. 2 is a schematic structural diagram of a risk early warning platform according to an embodiment of the present application;
fig. 3 is a schematic structural diagram of an electronic device according to the disclosure.
Reference numerals illustrate: 201. a first early warning level determination module; 202. a second personnel early warning grade determining module; 203. a second service early warning grade determining module; 204. an insurance group early warning grade determining module; 205. a conditional threshold range determination module; 206. a first risk early warning module; 300. an electronic device; 301. a processor; 302. a memory; 303. a user interface; 304. a network interface; 305. a communication bus.
Detailed Description
In order that those skilled in the art will better understand the technical solutions in the present specification, the technical solutions in the embodiments of the present specification will be clearly and completely described below with reference to the drawings in the embodiments of the present specification, and it is apparent that the described embodiments are only some embodiments of the present application, not all embodiments.
In describing embodiments of the present application, words such as "for example" or "for example" are used to mean serving as examples, illustrations, or descriptions. Any embodiment or design described herein as "such as" or "for example" in embodiments of the application should not be construed as preferred or advantageous over other embodiments or designs. Rather, the use of words such as "or" for example "is intended to present related concepts in a concrete fashion.
In the description of embodiments of the application, the term "plurality" means two or more. For example, a plurality of systems means two or more systems, and a plurality of screen terminals means two or more screen terminals. Furthermore, the terms "first," "second," and the like, are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or implicitly indicating an indicated technical feature. Thus, a feature defining "a first" or "a second" may explicitly or implicitly include one or more such feature. The terms "comprising," "including," "having," and variations thereof mean "including but not limited to," unless expressly specified otherwise.
The following description of the embodiments of the present application 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 application, but not all embodiments.
In one embodiment, please refer to fig. 1, a risk early warning method is specifically provided, which may be implemented by a computer program, may be implemented by a single chip microcomputer, or may be run on a risk early warning platform based on von neumann system. The computer program may be integrated in the application or may run as a stand-alone tool class application. Specifically, the method may specifically include the steps of:
step 101: according to the acquired personnel management information and service management information of each insurance company in the insurance group, determining a first personnel early warning level corresponding to each piece of sub-personnel information in each piece of personnel management information and a first service early warning level corresponding to each piece of sub-service information in each piece of service management information.
The insurance group refers to a comprehensive insurance company, and the service range of the comprehensive insurance company generally comprises a plurality of fields such as property insurance, personal insurance, reinsurance and the like. In the embodiment of the application, the security group can be understood to comprise a plurality of insurance companies, and the business of each insurance company can be better coordinated through centralized management and unified operation mode, so that the overall performance and competitiveness of the enterprise are improved.
Further, by acquiring personnel management information and service management information of each insurance company in the insurance group, the underwriting capability of each insurance company can be analyzed, so that the underwriting capability of the insurance group can be analyzed according to the underwriting capability of each insurance company, wherein the personnel management information refers to data in personnel management aspect in the insurance company, and the service management information refers to data in service management aspect in the insurance company. In the embodiment of the application, the personnel management information can comprise sub-personnel information with multiple dimensions, and the service management information can comprise sub-service information with multiple dimensions. Risk early warning evaluation can be carried out on the sub-personnel information and the sub-business information of each dimension, so that risk early warning levels of each dimension can be obtained. In the embodiment of the application, the risk early-warning level obtained by carrying out risk early-warning on the sub-personnel information is defined as a first personnel early-warning level, and correspondingly, the risk early-warning level obtained by carrying out risk early-warning on the sub-business information is defined as a first business early-warning level. In the embodiment of the application, the early warning level is set to 0 to n levels, wherein the 0 level is the level where no risk exists, n is the highest early warning level, and n is generally set to 4.
On the basis of the above embodiment, as an alternative embodiment, step 101: according to the acquired personnel management information and service management information of each insurance company in the insurance group, determining a first personnel early warning level corresponding to each piece of sub-personnel information in each piece of personnel management information and a first service early warning level corresponding to each piece of sub-service information in each piece of service management information, wherein the steps specifically include the following steps:
step 201: and comparing each piece of sub-personnel information in personnel management information of each insurance company in the obtained insurance group with a corresponding early warning threshold value to determine a first personnel early warning level.
Each piece of personnel management information in the personnel management information can comprise platform utilization rate, team activity rate, performance amplification rate, personnel survival rate, customer satisfaction and personnel structure concentration.
The platform utilization rate is the ratio of the time of using the risk early warning platform to the total time of staff of an insurance company in a period of time; team mobility refers to the activity level of an employee team of an insurance company in a period of time, and is generally evaluated by the number of team member activities or the activity duration; performance enhancement rate is the rate of increase in business revenue, profit or other economic indicators by the staff of the insurance company over a period of time; the rate of increase refers to the ratio of the number of newly recruited personnel to the total number of original personnel in a certain time by the staff of the insurance company; the personnel retention rate refers to the ratio of the original staff number to the staff number at the end of a period in a certain time range of an insurance company; customer satisfaction refers to the satisfaction of an insurance company's customer with a product or service; the concentration of personnel structure refers to the distribution condition of staff in an insurance company organization, and can refer to the proportion of staff with a certain role in the whole team or company.
The above-mentioned sub-personnel information in each insurance company is obtained, and a corresponding pre-warning threshold is set for each sub-personnel information to determine whether the risk exists in the information. And comparing the information of each sub-person with a corresponding early warning threshold value to determine the risk level of the sub-person. And classifying all the sub-personnel according to the risk level, and determining the first personnel early warning level of each sub-personnel information.
Based on the above, the embodiment of the application also provides a risk early warning platform, which can allocate corresponding user accounts for various users of an insurance company, wherein the various users can include risk management and control people, risk disposal people, risk monitoring people and staff of various positions. The risk management and control person is mainly responsible for making and implementing a risk management policy, and an early warning threshold value can be set through a risk early warning platform so as to ensure that an organization can reasonably control risks and achieve targets in operation activities. The risk monitoring person is mainly responsible for monitoring and analyzing the change of the risk, reporting the risk condition and trend in time, and sending an early warning prompt to staff through the risk early warning platform. The risk disposal person is mainly responsible for quick response when an accident or emergency occurs, and takes effective measures to eliminate or control risks, for example, when the early warning level of a certain employee reaches the highest early warning level, the risk disposal person can perform corresponding disposal on the employee.
Step 202: and comparing each piece of sub-business information in the acquired business management information of each insurance company in the insurance group with a corresponding early warning threshold value to determine a first business early warning level.
Each piece of sub-service information in the service management information of each insurance company in the insurance group can comprise self-part occupation ratio, continuation ratio, hesitation time refund ratio, single customer number, customer concentration and average part premium.
The self-part occupation ratio refers to the policy occupation ratio self-underwriting by the insurance company in the risk management range of the insurance company; the continuation rate refers to the proportion of the insurance policy for the insurance company to renew the insurance policy in a certain time period; the hesitation rate refers to the rate of the insurance company that the customer applies for the reinsertion within the hesitation period specified after the customer purchases the insurance; the single customer count refers to the average number of purchases per customer of an insurance company over a certain period of time; customer concentration refers to the degree to which an insurance company's customers are concentrated in a particular region or industry; the average premium is the average premium amount obtained by dividing the total premium of all the applied numbers by the total number of applied numbers in a certain period of time.
The sub-business information of each insurance company is obtained, and a corresponding early warning threshold value is set for each sub-business information to judge whether the information is at risk. And comparing the information of each sub-service with a corresponding early warning threshold value to determine the risk level of the sub-service. And classifying all the sub-personnel according to the risk level, and determining a first service early warning level of each piece of sub-service information.
Step 102: and determining a second personnel early warning level corresponding to personnel management information in each insurance company according to the first personnel early warning level corresponding to each piece of personnel information and the first duration of the first personnel early warning level maintained by each piece of personnel information. And determining a second service early-warning level corresponding to the management information in each insurance company according to the first service early-warning level corresponding to each piece of sub-service information and the second duration of the sub-service information for maintaining the first service early-warning level.
In practical application, if a certain piece of personnel information is continuously maintained at a higher early warning level, it is indicated that the corresponding staff or manager does not correct the problem, and the problem may be accumulated more seriously for a long time, so that in risk assessment, the duration of the first personnel early warning level corresponding to the piece of personnel information is required to be considered. In the embodiment of the application, the duration of keeping the first personnel early warning level of each piece of personnel information is defined as a first duration, and the duration of keeping the first service early warning level of each piece of personnel information is defined as a second duration.
For example, the management information of each insurance company may be divided into personnel management information and service management information, the personnel management information may be divided into sub-personnel information from multiple dimensions, and the second personnel early warning level of the personnel management information of the insurance company may be determined according to the first personnel early warning corresponding to each sub-personnel information and the first duration of the first personnel early warning level maintained by each sub-personnel information. Correspondingly, according to the first service early-warning level corresponding to each piece of sub-service information and the second duration of the first service early-warning level maintained by each piece of sub-service information, the second service early-warning level of the service management information of the insurance company can be determined.
As a possible implementation, the above process may specifically include the following steps:
step 301: and when the first time length of the first personnel early warning level is kept by the child personnel information to exceed the early warning time length threshold value, the first personnel early warning level is raised.
Specifically, after the first personnel early warning level of a certain piece of personnel information is obtained through calculation, judging whether the first personnel early warning level is changed, if the first personnel early warning level is unchanged compared with the last calculation result, acquiring the first time length of the first personnel information for keeping the first personnel early warning level, judging whether the first time length exceeds an early warning time length threshold value, and if the first time length is determined to exceed the corresponding early warning time length threshold value, improving the first personnel early warning level corresponding to the piece of personnel information.
For example, the personnel retention rate of the A-insurance company under the insurance group is calculated to be 60% in 6 months, the first personnel early warning level of the A-insurance company is determined to be 3, the first personnel early warning level of the A-insurance company under 4 months and the first personnel early warning level of the A-insurance company under 5 months are both 3, and then the personnel retention rate of the A-insurance company keeps the first time of the first personnel early warning level of the 3 months to be 2 months. If the early warning duration threshold is set to be 1 month, the first personnel early warning level is raised to be 4 levels.
Step 302: and determining a second personnel early warning level corresponding to the personnel management information in the insurance company according to the raised first personnel early warning levels.
For example, after calculating the first personnel early warning level corresponding to each piece of personnel information in the personnel management information of an insurance company under an insurance group, determining whether the insurance company has a problem which is not solved for a long time or not by judging whether the first time length of the first personnel early warning level kept by the piece of personnel information exceeds the early warning time length threshold value, if so, raising the corresponding first personnel early warning level to obtain the raised first personnel early warning level corresponding to each piece of personnel information of the insurance company. And determining the early warning level of personnel management information in the insurance company according to the first personnel early warning level after the rise, and defining the early warning level as the second personnel early warning level.
Based on the above embodiment, as an optional embodiment, step 302, determining, according to the raised first personnel early warning levels, a second personnel early warning level corresponding to personnel management information in the insurance company may further include the following steps:
step 401, determining a first early warning coefficient according to the raised first personnel early warning level and an early warning formula.
The information of each sub-person is a very important management dimension in the insurance company, and the determination of the early warning level of the second person of the personnel management information needs to comprehensively consider the relevance among the information of each sub-person, rather than just a single data index. Therefore, when determining the second person pre-warning level of the person management information, it is necessary to take into account the information of each dimension in relation to each other and the influence of each other. This requires the creation of a complex pre-warning formula taking into account the weights of the various indicators and the relationship of the interactions. When the early warning level is calculated, comprehensive information such as information of each sub-person, information of each dimension, service data and the like is required to be integrated and is incorporated into model calculation, so that accuracy and reliability of the early warning level are improved. Specifically, the early warning formula may be:
/N+
wherein Y represents an early warning coefficient; n represents the number of sub-information related to each other; i represents the ith interrelated sub-information; j represents the j-th sub-information in the sub-information correlated with each other;the pre-warning weight of the ith correlated sub-information is represented;Representing early warning grades corresponding to the jth sub-information in the inter-related management dimension information; p represents the number of sub-information which are not related to each other; k represents the kth mutually unassociated sub-information; / >The pre-warning weight of the kth non-associated sub-information is represented;and representing the early warning level corresponding to the kth sub-information in the sub-information which is not related to each other.
It should be noted that, the sub-information in the foregoing early warning formula may refer to sub-personnel information or sub-service information. In a specific application process, the calculation weight of the sub-information needs to be determined according to the number of the sub-information which are mutually related, wherein the sum of the weights of all formulas in the formula is 1. Correspondingly, the association relation among all the sub-information and the weight distributed by the association relation can be set by a risk management and control person through a risk early warning platform.
And step 402, determining a second personnel early warning level according to comparison of the first early warning coefficient and the corresponding early warning threshold value.
Specifically, after the raised first personnel early warning level corresponding to each piece of personnel information is brought into the early warning formula, a first early warning coefficient can be obtained. Because the relevance of the information of each sub-person is considered in the calculation process, the relevance weight is allocated to the sub-information with relevance, and therefore the calculated first early warning coefficient may be a decimal. At this time, the first early warning coefficient can be compared with the corresponding early warning threshold value, and the first early warning coefficient is rounded to obtain a second personnel early warning level of the insurance company corresponding to personnel management information.
Step 303, when the second duration of the sub-service information for keeping the first service early-warning level exceeds the early-warning duration threshold, the first service early-warning level is raised.
And 304, determining a second service early warning level corresponding to the service management information in the insurance company according to the raised first service early warning levels.
Specifically, the implementation principles of steps 303 to 304 are the same as those of steps 301 to 302, and reference may be made to the descriptions of steps 301 to 302, which are not repeated herein. In a possible implementation manner, step 304 includes determining, according to the raised first service early-warning levels, a second service early-warning level corresponding to service management information in the insurance company, and may specifically further include the following steps:
step 403, determining a second early warning coefficient according to the raised first service early warning grades and the early warning formulas.
And step 404, determining a second service early warning level according to comparison of the second early warning coefficient and the corresponding early warning threshold value.
Specifically, the implementation principles of steps 403 to 404 are the same as those of steps 401 to 402, and reference may be made to the above description of steps 401 to 402, which is not repeated herein.
Step 103: and determining the early warning level of the insurance group according to the second personnel early warning level and the second service early warning level of each insurance company.
Specifically, after the second personnel early warning level corresponding to the personnel management information of each insurance company and the second service early warning level corresponding to the service management information under the insurance group are determined. The third personnel early warning level of the insurance group in the personnel management dimension and the third service early warning level of the insurance group in the service management dimension can be further determined according to the second personnel early warning levels of the insurance companies, and the third personnel early warning level and the third service early warning level can be further passed. And finally, determining the early warning level of the insurance group according to the third personnel early warning level and the third service early warning level of the insurance group.
On the basis of the above embodiment, as an optional implementation manner, the step 103 of determining the early warning level of the insurance group according to the second personnel early warning level and the second service early warning level of each insurance company may specifically include the following steps:
step 501, determining a third personnel early warning level of the insurance group according to the second personnel early warning level of each insurance company, and determining a third service early warning level of the insurance group according to the second service early warning level of each insurance company.
Specifically, in one possible implementation manner, the sum of the second personnel early warning levels of all insurance companies under the insurance group can be divided by the number of the insurance companies in the insurance group, and the obtained personnel early warning levels are rounded through corresponding early warning thresholds to obtain a third personnel early warning level of the insurance group in the personnel management dimension.
In another possible implementation manner, the risk monitoring person may also assign corresponding weights to the second personnel early-warning levels of each insurance company on the risk early-warning platform according to the special condition of the actual running of each insurance company, so as to weight each second personnel early-warning level to obtain a third personnel early-warning level in the personnel management dimension.
The implementation principle of determining the third service early warning level of the insurance group according to the second service early warning level of each insurance company is the same as the implementation principle of determining the third personnel early warning level.
Step 502, determining personnel risk early warning weights and business risk early warning weights according to the number of second personnel early warning levels of different levels and the number of second business early warning levels of different levels.
The number of the second personnel early warning grades corresponding to the insurance companies under the insurance group is different, the early warning levels among the grades are different, the distribution condition of the number of the second personnel early warning grades of different grades is also different, and the factors can influence the weight calculation of personnel risk early warning. To more fully reflect these variability factors, we can use different weighting methods to calculate the personnel risk early warning weights. Specifically, weights can be distributed according to the proportion of the number of the second personnel early warning grades of each grade, and the weight of the grade is in direct proportion to the proportion of the weight of the grade to the total number, so that the distribution of the number of different grades can be reflected better. Correspondingly, the calculation mode of the business risk early warning weight is the same as the above.
And 503, determining the early warning level of the insurance group according to the third personnel early warning level, the third service early warning level, the risk early warning weight and the service risk early warning weight.
Specifically, after the third personnel early warning level, the third service early warning level, the corresponding risk early warning weight and the corresponding service risk early warning weight of the insurance group are obtained, the third personnel early warning level, the third service early warning level, the corresponding risk early warning weight and the corresponding service risk early warning weight can be weighted and summed to obtain the early warning level of the insurance group.
Step 104: and determining a second condition threshold range according to the first condition threshold range of the underwriting rate of the insurance group and the early warning level.
The first condition threshold range is a maximum condition threshold range determined according to the market environment in which the insurance group is located and the regulatory requirement, and can be understood as a maximum early warning condition range of the insurance group for determining the underwriting rate according to national policy and regulation and external economy. Further, in order to improve accuracy of risk early warning of the insurance group on the underwriting rate, a second condition range which is more in line with the risk early warning of the insurance group is set according to the operating conditions of all companies under the insurance group by combining with the first condition threshold range, wherein the second condition threshold range is smaller than the first condition threshold range.
Further, based on the above embodiment, as an optional implementation manner, step 104, determining the second condition threshold range according to the first condition threshold range of the underwriting rate of the insurance group and the early warning level may specifically further include the following steps:
and 601, determining a condition threshold corresponding to the early warning level according to the early warning level.
The early warning level of each insurance group is provided with a corresponding condition threshold, wherein the condition threshold can be understood as a numerical value for reducing the range of the first condition threshold. Specifically, an equal-proportion condition threshold value can be set for each stage of early warning level; with the increase of the early warning level, a condition threshold value with gradient increase is set, and a reasonable corresponding relation between the early warning level and the condition threshold value can be set by a risk supervision personnel according to specific conditions through a risk early warning platform.
Step 602, narrowing a first condition threshold range of the underwriting rate of the insurance group through the condition threshold, and obtaining a second condition threshold range.
Illustratively, the maximum value of the first condition threshold range is subtracted from the condition threshold, and the minimum value of the first condition threshold range is added to the condition threshold, with the resulting calculated maximum and minimum values being taken as the second condition threshold range.
Step 105: and when the underwriting rate of the insurance group exceeds the second condition threshold range, sending out a first risk early warning to the insurance group.
Specifically, when the underwriting rate set by the insurance group is detected to exceed the range of the second condition threshold, a first risk early warning prompt is sent to the insurance group so as to prompt a manager to reset a reasonable underwriting rate.
The above embodiment analyzes the risk early warning level of each insurance company under the insurance group, thereby determining the risk early warning level of the insurance group, and further determining the second condition threshold range of the insurance group underwriting rate. The first conditional threshold range can be understood as the decision direction of the insurance group for the underwriting rate.
On the basis of the above embodiments, as an alternative embodiment. After determining the second condition threshold range of the insurance group, a third condition threshold range of each insurance company of the insurance group for the underwriting rate of each insurance company of the insurance group can be determined according to the second condition threshold range, and the method specifically comprises the following steps: .
And 701, determining corresponding condition thresholds of the insurance companies according to the second personnel early warning level and the second service early warning level of the insurance companies.
Specifically, for each insurance company under the insurance group, the early warning level of the insurance company can be determined according to the second personnel early warning level of the personnel management information and the second early warning level of the service management dimension. And then determining the corresponding condition threshold value of each insurance company according to the early warning level of the insurance company. Specifically, reference may be made to the descriptions related to steps 501 to 503, which are not repeated herein.
Step 702, adjusting the second condition threshold range through the condition threshold to obtain a third condition threshold range of each insurance company.
Wherein the third condition threshold range is less than the first condition threshold range, but the third condition threshold range is not necessarily greater than or less than the first condition threshold range. Because the operation conditions of the insurance companies under the insurance groups are different, for the better insurance company with the operation conditions, the third condition threshold range of the insurance company can be set to be larger than the second condition threshold range of the insurance group; for insurance companies with worse business conditions, the third condition threshold range may be set to be smaller than the second condition threshold range.
And 703, when the underwriting rate of any insurance company in the insurance group exceeds the third condition threshold range, sending a second risk early warning to the corresponding insurance company.
Specifically, when detecting that the underwriting rate of any insurance company in the insurance group exceeds the third condition threshold range, a second risk early warning prompt is sent to the corresponding insurance company so as to prompt a manager to reset the reasonable underwriting rate.
The present application also provides a risk early warning platform with reference to fig. 2, which may include: a first early warning level determination module 201, a second person early warning level determination module 202, a second business early warning level determination module 203, an insurance group early warning level determination module 204, a condition threshold range determination module 205, and a first risk early warning module 206, wherein:
The first early warning level determining module 201 is configured to determine a first personnel early warning level corresponding to each piece of sub-personnel information in each piece of personnel management information and a first service early warning level corresponding to each piece of sub-service information in each piece of service management information according to acquired personnel management information and service management information of each insurance company in an insurance group;
the second person early-warning level determining module 202 is configured to determine a second person early-warning level corresponding to the person management information in each insurance company according to a first person early-warning level corresponding to each piece of sub-person information and a first duration for each piece of sub-person information to maintain the first person early-warning level;
the second service early-warning level determining module 203 is configured to determine a second service early-warning level corresponding to the management information in each insurance company according to a first service early-warning level corresponding to each piece of sub-service information and a second duration for keeping the first service early-warning level by the piece of sub-service information;
the insurance group early warning level determining module 204 is configured to determine an early warning level of the insurance group according to the second personnel early warning level and the second service early warning level of each insurance company;
The condition threshold range determining module 205 is configured to determine a second condition threshold range according to a first condition threshold range of the underwriting rate of the insurance group and the early warning level, where the first condition threshold range is a maximum condition threshold range determined according to a market environment in which the insurance group is located and a regulatory requirement, and the second condition threshold range is smaller than the first condition threshold range;
the first risk early warning module 206 is configured to send a first risk early warning to the insurance group when the underwriting rate of the insurance group exceeds the second condition threshold range.
On the basis of the foregoing embodiment, as an optional embodiment, the first early warning level determining module includes: the system comprises a first personnel early warning grade unit and a first business early warning grade unit, wherein:
the first personnel early warning level unit is used for comparing each piece of personnel information in personnel management information of each insurance company in the obtained insurance group with a corresponding early warning threshold value to determine the first personnel early warning level, wherein each piece of personnel information in the personnel management information comprises platform use rate, team activity rate, performance amplification rate, personnel retention rate, customer satisfaction and personnel structure concentration;
The first service early-warning level unit is configured to compare each piece of sub-service information in the acquired service management information of each insurance company in the insurance group with a corresponding early-warning threshold value, and determine the first service early-warning level, where the sub-service information includes a self-part occupation ratio, a continuation ratio, a hesitation period withdrawal ratio, a single customer number, a customer concentration and an average part premium.
On the basis of the foregoing embodiment, as an optional embodiment, the foregoing second person early warning level determining module includes: a first personnel early warning level updating unit and a second personnel early warning level determining unit, wherein:
the first personnel early warning level updating unit is used for raising the first personnel early warning level when the first time length of the first personnel early warning level is kept by the child personnel information to exceed the early warning time length threshold value;
the second personnel early warning level determining unit is configured to determine a second personnel early warning level corresponding to the personnel management information in the insurance company according to the raised first personnel early warning levels.
On the basis of the foregoing embodiment, as an optional embodiment, the foregoing second service early-warning level determining module includes: a first service early warning level updating unit and a second service early warning level determining unit, wherein:
The first service early-warning level updating unit is used for raising the first service early-warning level when the second duration of the sub-service information for keeping the first service early-warning level exceeds the early-warning duration threshold;
the second service early warning level determining unit is configured to determine a second service early warning level corresponding to the service management information in the insurance company according to each of the raised first service early warning levels.
On the basis of the above embodiment, as an optional embodiment, the above second person early warning level determining unit includes: the first early warning coefficient determining subunit and the second personnel early warning level determining subunit, wherein:
the first early warning coefficient determining subunit is configured to determine a first early warning coefficient according to the raised early warning level and the early warning formula of each first person;
the second personnel early warning level determining subunit is configured to determine the second personnel early warning level according to comparison between the first early warning coefficient and a corresponding early warning threshold;
wherein, the early warning formula is:
/N+
wherein Y represents an early warning coefficient; n represents the number of sub-information related to each other; i represents the ith interrelated sub-information; j represents the j-th sub-information in the sub-information correlated with each other; The pre-warning weight of the ith correlated sub-information is represented;Representing early warning grades corresponding to the jth sub-information in the inter-related management dimension information; p represents the number of sub-information which are not related to each other; k represents the kth mutually unassociated sub-information;The pre-warning weight of the kth non-associated sub-information is represented;and representing the early warning level corresponding to the kth sub-information in the sub-information which is not related to each other.
On the basis of the above embodiment, as an optional embodiment, the second service early warning level determining unit includes:
the second early warning coefficient determining subunit is configured to determine a second early warning coefficient according to the raised first service early warning levels and the early warning formulas;
and the second service early warning level determining subunit is configured to determine the second service early warning level according to comparison between the second early warning coefficient and a corresponding early warning threshold.
On the basis of the above embodiment, as an optional embodiment, the insurance group early warning level determining module is configured to: the system comprises a third personnel early warning level determining unit, a third service early warning level determining unit, an early warning weight determining unit and an insurance group early warning level determining unit, wherein:
The third person early warning level determining unit is configured to determine a third person early warning level of the insurance group according to the second person early warning level of each insurance company;
the third service early warning level determining unit is configured to determine a third service early warning level of the insurance group according to the second service early warning levels of the insurance companies;
the early warning weight determining unit is used for determining personnel risk early warning weights and business risk early warning weights according to the number of the second personnel early warning grades of different grades and the number of the second business early warning grades of different grades;
the insurance group early warning level determining unit is configured to determine an early warning level of the insurance group according to the third person early warning level, the third business early warning level, the risk early warning weight, and the business risk early warning weight.
On the basis of the foregoing embodiment, as an optional embodiment, the risk early warning platform further includes: an insurance company condition threshold determining module, a third condition threshold range determining module and a second risk early warning module, wherein:
the insurance company condition threshold determining module is configured to determine a corresponding condition threshold of each insurance company according to a second personnel early warning level and a second service early warning level of each insurance company;
The third condition threshold range determining module is configured to adjust the second condition threshold range by the condition threshold to obtain a third condition threshold range of each insurance company, where the third condition threshold range is smaller than the first condition threshold range.
And the second risk early warning module is used for sending a second risk early warning to the corresponding insurance company when the underwriting rate of any insurance company in the insurance group exceeds the third condition threshold range.
It should be noted that: in the device provided in the above embodiment, when implementing the functions thereof, only the division of the above functional modules is used as an example, in practical application, the above functional allocation may be implemented by different functional modules according to needs, that is, the internal structure of the device is divided into different functional modules, so as to implement all or part of the functions described above. In addition, the embodiments of the apparatus and the method provided in the foregoing embodiments belong to the same concept, and specific implementation processes of the embodiments of the method are detailed in the method embodiments, which are not repeated herein.
The application also discloses electronic equipment. Referring to fig. 3, fig. 3 is a schematic structural diagram of an electronic device according to an embodiment of the present disclosure. The electronic device 300 may include: at least one processor 301, at least one network interface 304, a user interface 303, a memory 302, at least one communication bus 305.
Wherein a communication bus 305 is used to enable connected communications between these components.
The user interface 303 may include a Display screen (Display), a Camera (Camera), and the optional user interface 303 may further include a standard wired interface, and a wireless interface.
The network interface 304 may optionally include a standard wired interface, a wireless interface (e.g., WI-FI interface), among others.
Wherein the processor 301 may include one or more processing cores. The processor 301 utilizes various interfaces and lines to connect various portions of the overall server, perform various functions of the server and process data by executing or executing instructions, programs, code sets, or instruction sets stored in the memory 302, and invoking data stored in the memory 302. Alternatively, the processor 301 may be implemented in hardware in at least one of digital signal processing (Digital Signal Processing, DSP), field programmable gate array (Field-Programmable Gate Array, FPGA), programmable logic array (ProgrammableLogic Array, PLA). The processor 301 may integrate one or a combination of several of a central processing unit (Central Processing Unit, CPU), an image processor (Graphics Processing Unit, GPU), and a modem etc. The CPU mainly processes an operating system, a user interface diagram, an application program and the like; the GPU is used for rendering and drawing the content required to be displayed by the display screen; the modem is used to handle wireless communications. It will be appreciated that the modem may not be integrated into the processor 301 and may be implemented by a single chip.
The Memory 302 may include a Random access Memory (Random AccessMemory, RAM) or a Read-Only Memory (Read-Only Memory). Optionally, the memory 302 includes a non-transitory computer readable medium (non-transitoroomputter-readable storage medium). Memory 302 may be used to store instructions, programs, code, sets of codes, or sets of instructions. The memory 302 may include a stored program area and a stored data area, wherein the stored program area may store instructions for implementing an operating system, instructions for at least one function (such as a touch function, a sound playing function, an image playing function, etc.), instructions for implementing the above-described various method embodiments, etc.; the storage data area may store data or the like involved in the above respective method embodiments. The memory 302 may also optionally be at least one storage device located remotely from the aforementioned processor 301. Referring to fig. 3, an operating system, a network communication module, a user interface module, and an application program of a risk early warning method may be included in a memory 302 as a computer storage medium.
In the electronic device 300 shown in fig. 3, the user interface 303 is mainly used for providing an input interface for a user, and acquiring data input by the user; and processor 301 may be configured to invoke an application program in memory 302 that stores a risk early warning method that, when executed by one or more processors 301, causes electronic device 300 to perform the method as described in one or more of the embodiments above. It should be noted that, for simplicity of description, the foregoing method embodiments are all described as a series of acts, but it should be understood by those skilled in the art that the present application is not limited by the order of acts described, as some steps may be performed in other orders or concurrently in accordance with the present application. Further, those skilled in the art will also appreciate that the embodiments described in the specification are all of the preferred embodiments, and that the acts and modules referred to are not necessarily required for the present application.
In the foregoing embodiments, the descriptions of the embodiments are emphasized, and for parts of one embodiment that are not described in detail, reference may be made to related descriptions of other embodiments.
In the several embodiments provided by the present application, it should be understood that the disclosed apparatus may be implemented in other ways. For example, the apparatus embodiments described above are merely illustrative, such as a division of units, merely a division of logic functions, and there may be additional divisions in actual implementation, such as multiple units or components may be combined or integrated into another system, or some features may be omitted, or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed with each other may be through some service interface, device or unit indirect coupling or communication connection, electrical or otherwise.
The units described as separate units may or may not be physically separate, and units shown as units may or may not be physical units, may be located in one place, or may be distributed over a plurality of network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.
In addition, each functional unit in the embodiments of the present application may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit. The integrated units may be implemented in hardware or in software functional units.
The integrated units, if implemented in the form of software functional units and sold or used as stand-alone products, may be stored in a computer readable memory. Based on this understanding, the technical solution of the present application may be embodied essentially or in a part contributing to the prior art or in whole or in part in the form of a software product stored in a memory, comprising several instructions for causing a computer device (which may be a personal computer, a server or a network device, etc.) to perform all or part of the steps of the method of the various embodiments of the present application. And the aforementioned memory includes: various media capable of storing program codes, such as a U disk, a mobile hard disk, a magnetic disk or an optical disk.
The foregoing is merely exemplary embodiments of the present disclosure and is not intended to limit the scope of the present disclosure. That is, equivalent changes and modifications are contemplated by the teachings of this disclosure, which fall within the scope of the present disclosure. Other embodiments of the disclosure will be apparent to those skilled in the art from consideration of the specification and practice of the disclosure.
This application is intended to cover any variations, uses, or adaptations of the disclosure following, in general, the principles of the disclosure and including such departures from the present disclosure as come within known or customary practice within the art to which the disclosure pertains. It is intended that the specification and examples be considered as exemplary only, with a scope and spirit of the disclosure being indicated by the claims.
Claims (11)
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Application publication date: 20231107 |