大数据 ›› 2016, Vol. 2 ›› Issue (5): 79-87.doi: 10.11959/j.issn.2096-0271.2016056

• 应用 • 上一篇    下一篇

位置大数据在车辆保险风险管理中的应用

张澄1,赵晨2,3   

  1. 1 中国联合网络通信有限公司江苏省分公司,江苏 南京 210029
    2 深圳般若计算机系统股份有限公司,广东 深圳 518008
    3 南京般若金科信息技术有限公司,江苏 南京 210062
  • 出版日期:2016-09-20 发布日期:2018-02-08

Applications of location-based big data for auto insurance risk control

Cheng ZHANG1,Chen ZHAO2,3   

  1. 1 Jiangsu Branch,China United Network Communications Group Co.Ltd.,Nanjing 210029,China
    2 Shenzhen Prajnasys Co.Ltd.,Shenzhen 518008,China
    3 Nanjing Prajnasys Co.Ltd.,Nanjing 210062,China
  • Online:2016-09-20 Published:2018-02-08

摘要:

随着我国商业车险市场的深化改革,保险公司拥有了自主定价的权利,这就要求保险公司提升对标的风险精细化分析和管理的能力。从位置大数据应用的角度,就通过手机定位的车辆位置信息(指LBS)在车辆保险风险管理中的应用问题进行了探讨。提出了以网格方式进行风险划分和计算的方法,并结合保险承保和理赔的不同应用需求给出了实施路径和应用建议。

关键词: 车辆保险, 基于位置的服务, 位置大数据, 风险管理

Abstract:

Since the authorities conduct deep reform of commercial auto insurance,Chinese insurance companies are able to get more autonomy in product pricing and the insurance companies are required to improve their capabilities of delicacy risk management and risk analysis.The point of location-based big data to discuss applications of mobile positioning methods in auto insurance risk control was proposed.The implementation path and service recommendations to insurance underwriting and claim settlement based on grid-based methods of risk assessment and calculation were given.

Key words: auto insurance, LBS, location-based big data, risk control

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