基于粗糙集的保险风险规则挖掘模型

Mining Model for the Insurance Risk Rules Based on Rough Set

加入 WTO后 ,中国的保险行业将全面与国际保险体系接轨 ,这意味保险行业的竞争更加激烈。机动车辆保险业务已成为我国财产保险业务的龙头险种。由于机动车经常处于运动状态 ,具有较高的风险性。如何对车险保单数据进行挖掘和分析出风险规则是本文的研究重点。本文介绍粗糙集理论的基本概念 ,运用 VPRS模型对车险保单数据进行分析 ,借助基于粗糙集理论的数据挖掘工具

Having entered the WTO, domestic insurance companies should compete with international ones and the insurance competition will be more vehement than ever. On the other hand, Vehicle insurance has been the main category of property insurance. And so, how to explore high quality vehicle insurance has been attracted. This article provides a model to mining for the insurance risk rules based on rough set. According to these rules, insurance companies can distinguish high risk customers from others. Firstly,it introduces some basic concepts and applications of Rough set. Then it establishes a mining model for the insurance risk rules based on VPRS Rough set. Finally, with the tool ROSETTA based on Rough set, the model was applied to extract risk rules from the database of customers, and so some rules are given.