临海市家用燃气综合保险产品投保出险系数评级分析数据

客户购买“家用燃气综合保险”家庭财产保险产品之后（保险责任包含：家庭财产损失保险、居家责任保险、家用燃气用户意外伤害保险），保险公司运用大数据平台对全市家用燃气综合保险的投保出险系数进行实时分析计算，并对该项险种的投保出险系数进行评级分析。分析结果可以体现该项险种的出险概率和市场前景，为保险公司合理制定营销策略提供数据支撑，同时帮助政府主管部门了解该地区家用燃气使用风险。1.数据运算：投保出险系数P=（日出险保单数/年出险保单数）×（日度获保家庭数/年度获保家庭数）×10000，其中，日度获保家庭数=日度新参保家庭数+日度续保家庭数，年度获保家庭数=年度新参保家庭数+年度续保家庭数。年度统计周期是指以投保日期当日往前的一年周期。 2.数据分析：对计算所得的投保出险系数P进行评级分析，当P≥1时，为高出险率险种；当0.67≤P＜1时，为较高出险率险种；当0.33≤P＜0.67时，为中等出险率险种；当0.1≤P＜0.33时，为较低出险率险种；当P＜0.1时，为低出险率险种。After customers purchase the "Domestic Gas Comprehensive Insurance" product, whose insurance liabilities include home property loss insurance, residential liability insurance, and personal accident insurance for domestic gas users, insurance companies use big data platforms to conduct real-time analysis and calculation of the claim risk coefficient of all domestic gas comprehensive insurance policies in the city, and perform rating analysis on the claim risk coefficient of this insurance type. The analysis results can reflect the claim probability and market prospects of this insurance, providing data support for insurance companies to rationally formulate marketing strategies, while helping government regulatory departments understand the domestic gas use risks in the region. 1. Data Calculation: The claim risk coefficient P = (number of daily claim policies / number of annual claim policies) × (number of daily insured households / number of annual insured households) × 10000. Here, number of daily insured households = number of newly insured households per day + number of renewed insured households per day; number of annual insured households = number of newly insured households in the year + number of renewed insured households in the year. The annual statistical cycle refers to the one-year cycle counting backward from the date of policy purchase. 2. Data Analysis: Conduct rating analysis on the calculated claim risk coefficient P: when P ≥ 1, it is classified as a high claim rate insurance type; when 0.67 ≤ P < 1, it is a relatively high claim rate insurance type; when 0.33 ≤ P < 0.67, it is a medium claim rate insurance type; when 0.1 ≤ P < 0.33, it is a relatively low claim rate insurance type; when P < 0.1, it is a low claim rate insurance type.

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背景与挑战

背景概述

该数据集由中国人寿财产保险股份有限公司临海市支公司提供，包含临海市家用燃气综合保险的投保和出险数据，用于计算投保出险系数并进行评级分析，以评估险种风险和市场前景，支持保险公司营销策略和政府监管决策。数据规模为996条，按需更新，采用xlsx格式，涵盖日度和年度统计指标，并通过算法实现风险量化分类。