Life Insurance Quality Management System, Based On Data Mining Technology

The insurance industry in China is a rapidly developing industry, business grows quickly to bring more customer information. Along with the insurance company's network speed and server processing capacity continue to improve, based on the data of business intelligence and analysis has gradually become a trend. In recent years, insurance industry in China develops rapidly, the rising volume of customers, the insurance company of the operating costs have increased by a large margin. Insurance company business income is from first-year premium, more important is the renewal premium. Renewal premium has higher stability and continuity characteristics, is the main source of profit, and is a solid foundation for insurance company. At present the way of getting renew premium in insurance company's very simple,for every customer,they give notice in the same way,it cost a lot and waste a lot. does not favor the insurance risk and cost control.This thesis try to use data mining technique and classification method to analyze the activities of customer in payment,to discover the relationship between the possibility of payment and how many times they have paid and when they have paid the premium. According to the information of customer,we partition the customer in several group,such as high quality customer,quasi high quality customer,faithful customer and risk customer.Using decision tree and multi-variable regression, we make a prediction model to estimate the possibility of a certain customer's activity in payment . guide the renewal sectors for different clients to take the difference of expediting strategy. The insurance company customer management more targeted, reduce customer premium late payments, forgot to pay, and reduce the cost of management. At the same time, use clustering method, from a large number of customers with high risk analysis portion of customers, we try to identify the high-risk surrender customer from the large amount of customers.so as to promote the renewal work, improve the company's quality policy, to ensure that the company's long-term business development.Considering the actual demand of insurance company operation, according to the insurance company's hardware and software environment, and the insurance's situation of data, using data mining method, establishes the customer and renewal policy analysis method and model, design the insurance of quality management system, and in the Taiping Life Sichuan Branch successfully applied,through the test and on the line, the system reliable, the effect is very good, to achieve the function, for the control risk and operating costs, improve customer service and service quality to provide a strong and accurate tool and data reference.