大数据背景下的寿险产品定价与创新

本文主要探讨大数据对保险业的影响,并以实例说明在大数据背景下传统寿险产品定价的改进以及新型保险产品的开发情况。首先基于实际数据对于保险业大数据现状进行了统计分析,给出了保险业数据量现状以及数据使用效率的统计结果;其次以实际大数据量为基础,对传统的寿险产品定价进行了改进,获得了更优的市场比较优势;最后,以大数据量为基础,打破传统寿险产品的思维定式,开发出新型的保险产品并对产品风险进行了精确测定。

Pricing and Innovation of Life Insurance Products under the Background of Big Data

This paper mainly explores the influence of big data on the insurance industry. It focuses on using the ex- amples to show the improvement of the pricing mechanism of traditional life insurance and development of new insur- ance products under the background of big data. First, this paper conducts a statistical analysis on the present big data of insurance industry and reveals the status quo of insurance industry data volume and data utility efficiency. Mean- while, based on actual big data, the pricing mechanism of traditional life insurance has been improved and compara- tive advantages have been won. Besides, based on big data, this paper has gone beyond the traditional thought on life insurance products, developed new insurance products and made accurate estimation of risks concerned.