人身意外保险的个性化推荐研究——基于用户与保险种类相似度的推荐优化模型  

On Personalized Recommendation of Personal Accident Insurance——Recommendation Optimization Model Based on Similarity Between Users and Insurance Types

作　　者：叶佳欣 李心仪 吕丹 林爽 端木呈瑶 方晓伟[1] YE Jiaxin;LI Xinyi;LYU Dan;LIN Shuang;DUANMU Chengyao;FANG Xiaowei(School of Science,Huzhou University,Huzhou 313000,China)

机构地区：[1]湖州师范学院理学院,浙江湖州313000

出　　处：《湖州师范学院学报》2020年第10期18-24,共7页Journal of Huzhou University

基　　金：教育部协同育人项目(201901051022);国家级大学生创新创业训练计划项目(201910347024)。

摘　　要：依据保险的性质和用户特点,筛选出人身意外保险中最大权重的保障项目,以及用户特点中最大权重的标签,构建保险与用户相似度匹配模型,给出保险个性化推荐优化模型;以某保险公司各种人身意外保险和某用户为例进行实证分析,详细解释相似度匹配模型的含义,并依据推荐的优化模型对候选的各种人身意外保险进行筛选和排序,从而为用户选择人身意外保险提供个性化建议.According to the nature of insurance and the characteristics of users,this paper first selects the protection items with the maximum weight in the personal accident insurance and the label with the maximum weight in the user characteristics,and constructs a similarity matching model between insurance and users,and finally gives an optimization model for personalized recommendation of insurance.In addition,this paper takes a variety of personal accident insurance of an insurance company and a user as an example for empirical analysis,explaining the meaning of similarity matching model in detail.It selects and sorts various personal accident insurance candidates according to the recommended optimization model,so as to provide personalized suggestions for users to choose personal accident insurance.

关 键 词：人身意外保险 推荐系统 标签 相似度 优化模型 

分 类 号：O221.1[理学—运筹学与控制论]