数据挖掘在保险理赔系统中的分析与应用

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1、Studyandimplementationforthedatamininginlifeinsuranceclaimsystem．Major：ComputerTechnologyName：SongHuiGuangSupervisor：Prof．LiLeiAbstractWithlifeinsurancereformsdevelopandenterinWTO，thecompetitionofdomesticlifeinsurancemarketisbecomingmoreandmorefiercely．

2、Forlifeinsurancemarketfrequentlychanges，lifeinsureranalysesandadjustspremiumaccordingtohistorydataeveryyear．Currently，approachthatprofessionaloflifeinsurerUSeSiscursory，itusuallyneedsprofessionalmakedecisionaccordingtolargenumbersofstatisticreports．This

3、isnotonlyverydifficult，butalsoinfluencedbysubjectivefactor．Withtwodecadesdevelopment，domesticlifeinsurancehasachievedrapidprogress，accumulatedalargeamountofdataoftheircustomers．Whocanmineandanalyzetheknowledgecontainedinthedatacorrectlywillreduceriskand

4、maximizetheprofit，thuswinthecompetition．Inlifeinsurance，thedomesticresearchonthisfieldisstillatinfancy，successes多xampleshavebeenfoundabroad．So，thereismuchimportantpracticalvalueintheresearchondataminingoflifeinsurance．Claimsystemisanimportantbusinesssys

5、temintheinsurancecompany．Themainfunctinofthesystemisthattheapplicantsfromcustomersaresubmitted，checkedandpaid．Astheaimofthethesis，wewanttofindouttheruleofthecustomers’countofclaimfortheirinsurancebasedonthedataofclaimwithdataminingtechnology．Inthisthesi

6、s，weapplythepopulartechnologyofdatawarehouseanddatamining，combinewiththecompanyactualdemand，builtinsurancepolicyandclaimdatawarehouseanddatamart．Finally,weconstructthedatamartofthecustomers’claimrecords，madethedecisiontreetofindtheareaswithmoreriskandan

7、alysistherulehideintheactions．Dataderiving，datacleaninganddatapre—processingaretheabsolutelynecessarystepsbeforedatamining．Afterthesesteps，wehavemadetwomodeswithdecisiontreealgorithminSQLServer2005，andanalyzedandprovedtheresults，discoveredsomeusefulrule

8、stocontrolrisk．ⅢWithlittleattentionispaidfromthedomesticlifeinsurer，whilethedataminingisSOimportant，thoseworksdoneinthisthesismaybeusefulfortheinsurers．Keyworks：datamining；lifeinsurance；claim；decisiontreeIV原刨性声明原创性声明本人郑重声明：所呈交的学位