| Summary: | 碩士 === 國立高雄第一科技大學 === 風險管理與保險所 === 94 === ABSTRACT
"Elder time life insurance policy extends the insurance premium" is the life insurance
company important management target, said to the life insurance company, each contract
first year institute bears the cost, including raises dials disbursement sum total and so on the
reserve fund, business expense and commission is higher than the insurance premium income,
In other words, the new contract chit manages in the first year speaking of the life insurance
company is the loss, if client namely terminates an agreement in the second year, to the life
insurance company said is the very big loss, only has client continues to pay the insurance
premium, the life insurance company can and insures the expense after the reserve fund
gradually to spread evenly, will appear the earnings in the future. In recent years the financial
commodity changed with each new day, after in addition the financial holding company bill
implementation emerging sold the circuit to emerge, has caused the populace has had the
change regarding the insurance commodity cognition and the purchase behavior. Although
present average each person already had 1.7 life insurances chits, but still had some demands
not to obtain satisfies, therefore, insurance company when developed the new customer or
carried on sells once more, it is necessary to understand consumer''s thought pattern and the
custom. But what reason can create the customer departing? What sign had to be allowed to
know in anticipation? Drains before the customer gives the intimate service, reduces the chit
to stop the effect the risk.
Because the life insurance company generally has the massive client individual materials,
therefore this article according to the Data Mining the technical affiliation by the Artificial
Neural Network in Self-Organizing Map(SOM) studies, Kaohsiung of, Pingtungng,, the
Taitung area clerk the P life insurance company Kaohsiung subsidiary company
(calculates in 2005 in 2004 13th month chit continuation rate) to gather chit of material the
customer to make the suitable classification to hive off. And analyzes by way of the entire
group material in discovers each group the characteristic, and assists the life insurance
company by the vision analysis tool to construct the construction "the early chit to stop the
effect risk management" the system basis, and so as to adjusts its market area to separate, the
human resources and the marketing strategy.
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