Based On The Data Warehouse, Commercial Auto Insurance Floating Fee Rate Analysis And Realization

In recent years, China's insurance industry developed rapidly, especially in motor vehicle insurance was booming. Insurance companies on the commercial vehicle for fine management has been increasing. How according to vehicle type, insurance varieties ,and other historical data, set reasonable profit standards for rapid and effective risk analysis and loss to judge, to provide personalized insurance services, and then calculated for insurance companies to develop commercial vehicle differentia insurance t fee, is the insurance industry need to solve the problem。Data mining technology is about the information technology, and one of computer technology rapid development in recent years. The technology get through the mass of the original data processing for various operations, to extract the implicit, effective information or model. Then, use this information for analysis to help management to make decisions. Data mining technology are most commonly used decision tree, clustering, association rules, neural networks and other methods.This paper discusses the data mining technology in the commercial vehicle insurance operations differentiation fee analysis, a data warehouse and data mining based on the auto insurance business technology differentiated fee system. This article in the auto insurance industry is analyzed in detail based on the description of the basic indicators of vehicle insurance. Secondly, according to the actual business situation, based on data mining, raised the overall system architecture design. This paper focuses on the establishment of data warehouse, and how to use data mining technology to data warehouse`s policies, premiums and other data were analyzed, focusing on the calculation methods about loss ratio of YFJ index in many years , and focusing on the warehouse data processing module and auto insurance business design report risk classification method. It can for insurance enterprise differentiation operational decisions provide scientific, efficient and accurate support,for market operating provid timely, accurate and scientific decision. The method enable enterprises adapt increasingly fierce market competition environment, enhance management level and operating decision level, thus enhance enterprises core competitiveness.