基于二元Logit模型对车险续保影响因素的研究  

Research on the influencing factors of automobile insurance renewal based on binary Logit model

作　　者：龙婷婷 刘珂 张天扬 朱家明[1] LONG Tingting;LIU Ke;ZHANG Tianyang;ZHU Jiaming(School of Statistics and Applied Mathematics,Anhui University of Finance and Economics,Bengbu 233030,China;School of Finance,Anhui University of Finance and Economics,Bengbu 233030,China;School of Law,Anhui University of Finance and Economics,Bengbu 233030,China)

机构地区：[1]安徽财经大学统计与应用数学学院,安徽蚌埠233030 [2]安徽财经大学金融学院,安徽蚌埠233030 [3]安徽财经大学法学院,安徽蚌埠233030

出　　处：《高师理科学刊》2020年第1期27-31,共5页Journal of Science of Teachers＇College and University

基　　金：国家自然科学基金资助项目（11601001）;安徽财经大学校级教研项目(acxkjsjy201803zd)

摘　　要：车险结构较为单一,为提高客户续保率,使车险行业得到更好发展,选取某保险公司2110份车险数据,建立二元Logit模型,确定销售渠道、投保类别、使用性质、新车购置价、车龄和NCD为显著影响续保率的因素,并得到Logit表达式.依照SPSS修正后的运行结果分析显著性影响因子与客户续保率之间的具体作用机理,并从优化服务设置、车险费用调配和客户信息管理等方面给出相关建议.The structure of automobile insurance is relatively simple,in order to improve the customer renewal rate and make the automobile insurance industry develop better,2110 automobile insurance data of an insurance company are selected.And the binary Logit model is established to determine the channel,insurance category,use nature,purchase price of new vehicles,vehicle age and NCD as the significant factors affecting the renewal rate.According to the operation results of SPSS,the specific mechanism between the significance factors and the customer renewal rate are analyzed.Some suggestions are given from the aspects of optimizing service setting,vehicle insurance cost allocation and customer information management.

关 键 词：续保率 车险 二元Logit模型 

分 类 号：O29[理学—应用数学] F842.4[理学—数学]