主成分分析和聚类分析在保险数据分析中的应用乌鲁木齐保险市场影响因素分析

Applications of Principal Component Analysis and Clustering Analysis in Insurance

运用主成分分析和聚类分析等统计方法分析了乌鲁木齐保险市场调查数据 .各种分析表明 ,不同年龄段的居民对保险产品的需求是有差异的 .收入水平、社会环境、生活习惯是影响居民保险的重要因素 ,2 5岁到 45岁青壮年人群对保险的认同感也对保险有重要影响 .整体上可将保险产品分成四类 。

Adopting a series of principal component analysis and cluster analysis etc. statisical method aralyzed investigation data of insurance market in Urumqi Xinjiang. A series of analysis results indicate: In come levet?society environ mervt?live habit are important factars that effect the inhabitant insurance, and the insurance from 25 to 60 years adults' approving insure also is an very important effect in the insurance. The insurance production is divided four group of integral insurance, the viewpoints have sure reference value when insure salesman recommend additional assurance.