Providing a Framework for Reforming Premium Rates of Vehicle Collision Coverage with Using Neural Networks Model (A Case Study of Asia Insurance Company)
- سال انتشار: 1395
- محل انتشار: فصلنامه مدیریت فناوری اطلاعات، دوره: 8، شماره: 4
- کد COI اختصاصی: JR_JITM-8-4_004
- زبان مقاله: انگلیسی
- تعداد مشاهده: 340
نویسندگان
Assistant Prof. in Business Administration, Allameh Tabatabaei University, Tehran, Iran
Ph.D. Candidate in Business Administration, Islamic Azad University, Babol, Iran
Associate Prof. in Industrial Management, Allameh Tabatabaei University, Tehran, Iran
Assistant Prof., Faculty of Physical Education and Sports Sciences, University of Guilan, Rasht, Iran
چکیده
Since vehicle collision coverage, unlike what it seems, is not very profitable for insurance companies and is moving towards making losses, this paper considered the adequacy of measures and rates used by insurance companies, and intended to optimize the methods by employing more scientific approaches. In order to do so, first, the factors affecting the risk of policy holders were identified and after comparing these factors with existing data in the database of surveyed company, the final factors were selected. Then, after preprocessing these data, prediction of the damage class and the quantity of policyholders’ potential damages were accomplished using neural networks model. So that, with using these results and considering their damage ratio, insurance companies could define optimized premium rates for their policies. The results showed that the offered model was able to predict the damage class and potential damages of policy holders respectively with ۹۱ and ۸۷ percent accuracy.کلیدواژه ها
car collision coverage, Data Mining, neural networks model, predictionاطلاعات بیشتر در مورد COI
COI مخفف عبارت CIVILICA Object Identifier به معنی شناسه سیویلیکا برای اسناد است. COI کدی است که مطابق محل انتشار، به مقالات کنفرانسها و ژورنالهای داخل کشور به هنگام نمایه سازی بر روی پایگاه استنادی سیویلیکا اختصاص می یابد.
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