家财险客户风险评级分析数据

当前，金融保险行业对于客户的风险评估尤为重视。保险公司在客户购买家财险产品之前，要根据客户的各种相关条件的数据，对客户的家庭财产安全风险情况进行预警分析，分析结果是家财险合同的具体条款签订的主要依据。该项数据分析对金融保险行业所有企业都具有极大的推广价值，并为金融主管部门了解该地区主要的家财险客户群体的风险情况提供数据支撑。一、统计家财险的客户相关资料并导入数据库，共有以下评分项目：是否高层住房A、房屋结构B、在我司有无家财类保险C、有无办理过其他公司家财类保险D、住址是否处于低洼地段E、家中是否处于长期无人状态F、家中是否有高龄老人（75岁及以上）或儿童（6岁及以下）同居G、是否我司优质客户H。 二、算法分析：以上项目每项1分，计算分数时采取两种计分方式。其中在我司有无家财类保险/评分C、有无办理过其他公司家财类保险/评分D、是否我司优质客户/评分H为固定分值项，C项和D项为“有”计1分，“无”计0分；H项为“否”计1分，“是”计0分。是否高层住房/评分A、房屋结构/评分B、住址是否处于低洼地段/评分E、家中是否处于长期无人状态/评分F、家中是否有高龄老人（75岁及以上）或儿童（6岁及以下）同居G为赋分项，需要根据实际情况进行分析，并依据保险公司的风险评分细则对其进行评分。风险综合评分M=固定分值项得分（C/D/H）+赋分项得分（A/B/E/F/G）。 三、风险评级：对风险综合评分进行评级，0-2分为低风险，2-4分为中低风险，4-6分为中高风险，6-8分为高风险。Currently, the financial and insurance industry places great emphasis on customer risk assessment. Prior to customers purchasing home property insurance products, insurance companies conduct early warning analysis on the safety risks of customers' household properties based on various relevant data of customers, and the analysis results serve as the core basis for signing specific clauses of home property insurance contracts. This data analysis offers substantial promotional value for all enterprises in the financial and insurance industry, and provides data support for financial regulatory authorities to grasp the risk profile of the primary home property insurance customer groups in the region. 1. Customer-related data collection and database import for home property insurance, with the following scoring items: whether the property is located in a high-rise building (A), housing structure (B), whether the customer holds home property insurance with our company (C), whether the customer has purchased home property insurance from other insurance companies (D), whether the residence is situated in a low-lying area (E), whether the household has been unoccupied for an extended period (F), whether there are elderly individuals aged 75 or above or children aged 6 or below residing in the household together (G), whether the customer is a premium client of our company (H). 2. Algorithm-based analysis: Each of the above items carries 1 point, and two scoring methodologies are employed for total score calculation. Among them, items C (whether the customer holds home property insurance with our company), D (whether the customer has purchased home property insurance from other insurance companies), and H (whether the customer is a premium client of our company) are fixed scoring items. For items C and D, 1 point is awarded for 'yes' and 0 point for 'no'; for item H, 1 point is awarded for 'no' and 0 point for 'yes'. Items A (whether the property is located in a high-rise building), B (housing structure), E (whether the residence is situated in a low-lying area), F (whether the household has been unoccupied for an extended period), and G (whether there are elderly individuals aged 75 or above or children aged 6 or below residing in the household together) are discretionary scoring items, which require analysis based on actual conditions and scoring in accordance with the insurance company's risk scoring guidelines. The comprehensive risk score M = score of fixed scoring items (C/D/H) + score of discretionary scoring items (A/B/E/F/G). 3. Risk Rating: Classify the comprehensive risk score into the following categories: 0–2 points for low risk, 2–4 points for medium-low risk, 4–6 points for medium-high risk, and 6–8 points for high risk.