CN-121998771-A - Premium data management method and device and electronic equipment

CN121998771ACN 121998771 ACN121998771 ACN 121998771ACN-121998771-A

Abstract

The application discloses a premium data management method, a premium data management device and electronic equipment. The method comprises the steps of obtaining target insurance products to be measured and calculated, wherein the target insurance products comprise at least one insurance product, obtaining rate coefficients corresponding to the insurance products, determining the rate coefficients according to at least one of the insurance products, insurance institutions corresponding to the insurance products and payment periods corresponding to the insurance products, and calculating the lowest premium target according to the rate coefficients corresponding to the insurance products. According to the application, the minimum premium target is calculated according to the rate coefficient of each insurance product to be calculated, and the rate coefficient of each insurance product is determined according to different scenes (at least one of insurance products, insurance institutions and payment years), so that the minimum premium target of different insurance institutions, different payment years and different product dimensions can be dynamically calculated, the minimum premium target is more matched with the actual scenes, and the data reference performance is high.

Inventors

HUANG JINGQING
CHEN YING
LI DAN
WU CHENGZHI
LI ZUOCHAO
CHEN ZHIYUAN

Assignees

人保信息科技有限公司
中国人民人寿保险股份有限公司

Dates

Publication Date: 20260508
Application Date: 20251224

Claims (10)

1. A method of managing premium data, comprising: Obtaining a target insurance product to be measured and calculated, wherein the target insurance product comprises at least one insurance product; acquiring rate coefficients corresponding to the insurance products, wherein the rate coefficients are determined according to at least one of the insurance products, insurance institutions corresponding to the insurance products and payment years corresponding to the insurance products; And calculating the minimum premium target according to the rate coefficient corresponding to each insurance product.
2. The method of claim 1, wherein the rate factor comprises at least one of an creation rate, a commission rate, a direct commission rate, and an insurance fund rate.
3. The method of claim 1, wherein said calculating a minimum premium goal based on said rate coefficient for each of said insurance products comprises: And calculating the minimum premium target according to the rate coefficient corresponding to each insurance product, the payment duty ratio of each payment period corresponding to each insurance product and the premium proportion corresponding to each insurance product.
4. A method according to claim 3, wherein each of the payment years comprises 3 years and 5 years.
5. The method of claim 4, wherein the minimum premium goal is calculated using the formula: Wherein E is the minimum premium goal, C is a preset fixed cost and prize, D is a preset indirect commission, and 、 Respectively the 3-year and 5-year rate of the nth insurance product in the target insurance products, the 、 Respectively the 3-year and 5-year commission proportion of the nth insurance product in the target insurance products, the 、 The direct commission proportion of the 3-year period and the 5-year period of the nth insurance product in the target insurance products is respectively, the F is the preset insurance guarantee fund proportion, and the 、 Respectively the payment duty ratio of the 3-year and 5-year of the nth insurance product in the target insurance product, the A target premium for an nth one of the target insurance products, the And the sum value of the target premium for m of the target insurance products.
6. A premium data management apparatus, comprising: The first acquisition module is used for acquiring a target insurance product to be measured and calculated, wherein the target insurance product comprises at least one insurance product; the second acquisition module is used for acquiring rate coefficients corresponding to the insurance products, wherein the rate coefficients are determined according to at least one of the insurance products, insurance institutions corresponding to the insurance products and payment years corresponding to the insurance products; And the calculating module is used for calculating the minimum premium target according to the rate coefficient corresponding to each insurance product.
7. The apparatus of claim 6, wherein the calculation module is configured to calculate the minimum premium goal based on the rate coefficient for each of the insurance products, the payment duty cycle for each of the payment years for each of the insurance products, and the premium proportion for each of the insurance products.
8. The apparatus of claim 7, wherein each payment period comprises 3 years and 5 years.
9. The apparatus of claim 8, wherein the computing module is specifically configured to: Calculating the minimum premium goal using the following formula: Wherein E is the minimum premium goal, C is a preset fixed cost and prize, D is a preset indirect commission, and 、 Respectively the 3-year and 5-year rate of the nth insurance product in the target insurance products, the 、 Respectively the 3-year and 5-year commission proportion of the nth insurance product in the target insurance products, the 、 The direct commission proportion of the 3-year period and the 5-year period of the nth insurance product in the target insurance products is respectively, the F is the preset insurance guarantee fund proportion, and the 、 Respectively the payment duty ratio of the 3-year and 5-year of the nth insurance product in the target insurance product, the A target premium for an nth one of the target insurance products, the And the sum value of the target premium for m of the target insurance products.
10. An electronic device comprising a processor, a memory and a program or instruction stored on the memory and executable on the processor, which program or instruction when executed by the processor implements the steps of the method according to any of claims 1-5.

Description

Premium data management method and device and electronic equipment Technical Field The application belongs to the technical field of insurance business, and particularly relates to a premium data management method and device and electronic equipment. Background In the insurance field, a reasonable minimum premium goal needs to be determined for better guiding the sales of insurance products. In the related art, a scheme is generally adopted that premium is measured and calculated for products based on a fixed product rate coefficient, and the measurement and calculation for multiple product combinations are also measured and calculated according to the fixed rate coefficient of a specified product. However, the scheme relies on the rate coefficient of a specified single product to calculate, so that the minimum premium objective of the calculation of different products is a fixed amount, the scheme is not in line with the actual scene, and the data reference is low. Disclosure of Invention The embodiment of the application aims to provide a management method and device of premium data and electronic equipment, so as to solve the problems that the minimum premium target calculated in the related technology is not in line with the actual scene and the data reference performance is low. In order to achieve the above purpose, the embodiment of the present application adopts the following technical scheme: In a first aspect, an embodiment of the present application provides a method for managing premium data, including obtaining a target insurance product to be measured and calculated, where the target insurance product includes at least one insurance product, obtaining a rate coefficient corresponding to each insurance product, where the rate coefficient is determined according to at least one of the insurance product, an insurance mechanism corresponding to the insurance product, and a payment period corresponding to the insurance product, and calculating a minimum premium target according to the rate coefficient corresponding to each insurance product. In a second aspect, the embodiment of the application provides a premium data management device, which comprises a first acquisition module, a second acquisition module and a calculation module, wherein the first acquisition module is used for acquiring a target insurance product to be measured and calculated, the target insurance product comprises at least one insurance product, the second acquisition module is used for acquiring a rate coefficient corresponding to each insurance product, the rate coefficient is determined according to at least one of the insurance product, an insurance mechanism corresponding to the insurance product and a payment period corresponding to the insurance product, and the calculation module is used for calculating a minimum premium target according to the rate coefficient corresponding to each insurance product. In a third aspect, an embodiment of the present application provides an electronic device comprising a processor, a memory and a program or instruction stored on the memory and executable on the processor, the program or instruction when executed by the processor implementing the steps of the method according to the first aspect. The above at least one technical scheme adopted by the embodiment of the application can achieve the following beneficial effects: According to the embodiment of the application, the minimum premium target is calculated according to the rate coefficient of each insurance product to be calculated, and the rate coefficient of each insurance product is determined according to different scenes (at least one of insurance products, insurance institutions and payment years), so that the minimum premium target of different insurance institutions, different payment years and different product dimensions can be dynamically calculated, the minimum premium target is more matched with the actual scenes, and the data reference performance is high. Drawings The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this specification, illustrate embodiments of the application and together with the description serve to explain the application and do not constitute a limitation on the application. In the drawings: Fig. 1 is a flow chart of a method for managing premium data according to an embodiment of the present application; fig. 2 is a schematic structural diagram of a premium data management device according to an embodiment of the present application; Fig. 3 is a schematic structural diagram of an electronic device according to an embodiment of the present application. Detailed Description In order to make the objects, technical solutions and advantages of the present application more apparent, the technical solutions of the present application will be clearly and completely described below with reference to specific e