WO2018184549A1

WO2018184549A1 - Method and device for reviewing contribution rate of insurance policy, terminal apparatus, and medium

Info

Publication number: WO2018184549A1
Application number: PCT/CN2018/081823
Authority: WO
Inventors: 吴思佳
Original assignee: 平安科技（深圳）有限公司
Priority date: 2017-04-06
Filing date: 2018-04-04
Publication date: 2018-10-11
Also published as: CN107798453A

Abstract

The present invention relates to the field of information processing techniques. Provided are a method and device for reviewing a contribution rate of an insurance policy, a terminal apparatus, and a medium. The method comprises: acquiring, from an insurance agent, a contribution rate modification request and a new contribution rate to be reviewed; acquiring respective historical contribution rates corresponding to historical insurance policies on the basis of which commission fees have been received by the insurance agent; combining the respective historical contribution rates into an array of rates, and calculating a variance of the array of rates; performing, according to the variance and a preset rate range in a division to which the insurance agent belongs, calculation to obtain a possible rate modification range; and if so, determining a review result indicating that the contribution rate modification request is approved<u>,</u> and modifying a contribution rate of an insurance policy corresponding to the contribution rate modification request to the new contribution rate; or if not, determining a review result indicating that the contribution rate modification request is rejected. The solution solves a problem in which existing methods for reviewing contribution rates require much human resources, are unable to provide timely review, and have low accuracy.

Description

Policy contribution ratio review method, device, terminal device and medium

This application claims the priority of the Chinese Patent Application filed on Apr. 6, 2017, the Chinese Patent Office, Application No. 201710221431.4, entitled "A Method and Apparatus for Reviewing the Contribution Ratio of a Policy", the entire contents of which are incorporated by reference. In this application.

Technical field

The present application belongs to the field of information processing technology, and in particular, to a method, device, terminal device and medium for reviewing the contribution ratio of a policy.

Background technique

In the insurance industry, the clerk of an insurance company generally relies on the commission of the insurance policy to complete the insurance as the main source of income for the individual. Therefore, for the salesperson, the contribution ratio of the policy (ie, the commission ratio) has a great influence on his personal income and enthusiasm.

At present, for a policy that the customer has paid for the contract (that is, the policy that is underwritten), if the salesperson wants to modify the contribution ratio of the policy, the salesperson needs to apply for the problem ticket, and the problem is reported by the auditor. After the audit is performed, the salesperson is given feedback on the results of the pass or fail. In this way, not only the human resources are required to review the modification of the contribution ratio, but also the contribution ratio of the salesman's modification is not timely, the accuracy is poor, and the enthusiasm of the salesperson is adversely affected.

technical problem

In view of this, the embodiments of the present application provide a method, a device, a terminal device, and a medium for reviewing the contribution ratio of a policy, so as to solve the problem of low efficiency and poor accuracy of the contribution ratio modification in the prior art.

Technical solution

The first aspect of the embodiment of the present application provides a method for reviewing the contribution ratio of a policy, including:

Obtain the salesperson's contribution ratio modification request and the proportion of new contributions to be reviewed;

Obtaining the historical contribution ratio corresponding to the historical policy that the salesperson has already received the commission;

Having the respective historical contribution ratios into an array of ratios, and calculating a variance of the proportional array;

Calculating a modifiable scale range according to the variance and a preset ratio range of the department where the salesperson is located;

If the new contribution ratio falls within the modifiable scale range, determining that the audit result of the contribution ratio modification request is a pass, and modifying the contribution ratio of the contribution ratio modification request corresponding to the policy to the new contribution ratio ;

If the new contribution ratio does not fall within the modifiable scale range, it is determined that the audit result of the contribution ratio modification request is not passed.

A second aspect of the embodiments of the present application provides a policy for reviewing the contribution ratio of a policy, including:

Requesting an acquisition module for obtaining a salesperson's contribution ratio modification request and a new contribution ratio to be reviewed;

a historical contribution ratio obtaining module, configured to obtain a historical contribution ratio corresponding to a historical policy that the salesperson has paid commission;

a proportional variance calculation module, configured to form the respective historical contribution proportions into an array of ratios, and calculate a variance of the proportional array;

The configurable range calculation module is configured to calculate a modifiable scale range according to the variance and a preset ratio range of the department where the salesperson is located;

a first auditing module, if the new contribution ratio falls within the modifiable scale range, determining that the audit result of the contribution ratio modification request is a pass, and the contributing proportion of the contribution ratio modification request corresponding to the policy Revised to the new contribution ratio;

The second auditing module is configured to determine that the audit result of the contribution ratio modification request is not passed if the new contribution ratio does not fall within the modifiable scale range.

A third aspect of the embodiments of the present application provides a terminal device, including a memory and a processor, where the computer stores computer readable instructions executable on the processor, the processor executing the computer The steps of the contribution ratio review method of the policy as described in the first aspect are implemented when the instruction is read.

A fourth aspect of the embodiments of the present application provides a computer readable storage medium storing computer readable instructions, the computer readable instructions being executed by a processor to implement the first aspect as described in the first aspect The contribution of the policy to the proportion of the steps of the review method.

Beneficial effect

In the embodiment of the present application, first, a salesperson's contribution ratio modification request and a new contribution ratio to be audited are obtained; and then, each historical contribution ratio corresponding to the salesman's commissioned historical policy is obtained; Proportional composition ratio array, and calculating a variance of the proportional array; then, calculating a modifiable scale range according to the variance and a preset ratio range of the department where the salesperson is located; if the new contribution ratio falls within the modifiable Within the range of the ratio, determining that the audit result of the contribution ratio modification request is a pass, and modifying the contribution ratio of the contribution ratio modification request corresponding to the policy to the new contribution ratio; if the new contribution ratio does not fall within the If the range of the scale can be modified, it is determined that the result of the review of the contribution ratio modification request is not passed. In this way, the new contribution ratio of the current modification of the salesperson can be audited through the realizable calculated range of the scale, and the audit result is obtained, which not only saves the human resources of the audit, but also improves the efficiency and accuracy of the review of the contribution ratio modification. It has a positive impact on the enthusiasm of the salesperson.

DRAWINGS

1 is a flow chart of an embodiment of a method for reviewing a contribution ratio of a policy in an embodiment of the present application;

2 is a schematic flowchart of a process for determining a preset ratio range of a policy contribution ratio review method in an embodiment of the present application;

FIG. 3 is a schematic flowchart of step 203 of a method for reviewing the contribution ratio of a policy in an application scenario according to an embodiment of the present application;

4 is a schematic flowchart of adjusting a scalable ratio range of a policy contribution ratio review method in an embodiment of the present application;

FIG. 5 is a schematic flowchart of step 403 of a policy contribution ratio review method of the policy shown in FIG. 4 in an application scenario;

6 is a structural block diagram of a contribution ratio review apparatus for a policy in an embodiment of the present application;

FIG. 7 is a schematic diagram of a terminal device according to an embodiment of the present application.

Embodiments of the invention

In order to explain the technical solutions described in the present application, the following description will be made by way of specific embodiments.

Referring to FIG. 1 , an embodiment of a policy for reviewing the contribution ratio of a policy in the embodiment of the present application includes:

101. Obtain a salesperson's contribution ratio modification request and a new contribution ratio to be reviewed;

In this embodiment, when the salesperson needs to modify the contribution ratio of a policy, the insurance company may initiate a contribution ratio modification request and submit a new contribution ratio that the salesperson wants, so that the system can obtain the contribution ratio modification. The proportion of new contributions requested and pending review.

The new contribution ratio mentioned here refers to which contribution ratio the salesperson wishes to modify the contribution ratio of the policy. For example, the default contribution ratio of the policy is 0.5 (ie 50%), and the salesman wants to increase the contribution ratio to 0.7. When the salesperson initiates the contribution ratio modification request, the new contribution ratio to be reviewed is 0.7. It can be seen that if the request submitted by the salesperson is approved, the contribution ratio of the policy will be revised to 0.7 as expected by the salesperson.

102. Obtain a historical contribution ratio corresponding to a historical policy that the salesperson has paid commissions;

In this embodiment, after obtaining the contribution ratio modification request of the salesperson, the system may obtain the historical policy of the sales commission of the salesperson and the corresponding historical policies from the database of the insurance company, such as the business database and the policy database. The proportion of each historical contribution.

The historical policy of the above-mentioned commissioned commission refers to the policy that the salesperson has completed the sales work of the insurance company and has obtained the commission. It can be understood that since the commissions of these historical policies have been raised, and thus the contribution ratio of these historical policies has been determined, it can be used as reference data for the salesperson to modify the contribution ratio.

In particular, if the salesperson does not have a historical policy in the insurance company, for example, the salesperson is a new employee of the insurance company, no insurance policy is signed, so the historical policy in step 102 is 0, and the obtained historical policy corresponds. The historical contribution ratio is also zero.

103. The respective historical contribution ratios are grouped into an array, and the variance of the proportional array is calculated;

Assume that each historical contribution ratio obtained is x ₁ , x ₂ , x ₃ ... x _n , and these data are combined into a proportional array. The average of the proportional data is x ₀ , then the following formula (1) can be used. Calculate the variance of the proportional data: s ² =1/n[(x ₁ -x ₀ ) ² +(x ₂ -x ₀ ) ² +K+(x _n -x ₀ ) ² ].........Formula (1)

It can be understood that the variance of the ratio of the historical contribution ratio of the salesperson can be used to measure the fluctuation of the historical contribution ratio of the salesperson, and has a certain reference value for the subsequent contribution ratio of the modification. .

104. Calculate a modifiable scale range according to the variance and a preset ratio range of the department where the salesperson is located;

In this embodiment, in order to evaluate whether the new contribution ratio modified by the salesperson is reasonable, the preset ratio range of the department where the salesperson is located and the variance calculated by the above real-time calculation are introduced. In an application scenario, the sum of the preset proportional range and the variance can be calculated to determine the modifiable scale range. For example, if the preset scale range is [0, 0.7] and the variance value is 0.1, the calculated modifiable scale range is [0.1, 0.8].

In this embodiment, the preset ratio range of the department where the salesperson is located can be obtained in various ways. To be simple, the preset scale range can be preset by the department head according to the actual situation of the department, for example, directly set to [0, 0.7] above.

Further, in order to improve the plausibility of the preset ratio range, in the embodiment, the preset ratio range may also be obtained by the following steps, as shown in FIG. 2:

201. Acquire a type of insurance type corresponding to the policy of the contribution ratio modification request;

202. Select a scale range corresponding to the type of insurance from a preset range of ratios;

203. Adjust the selected range of the ratio according to the risk rate of the department where the salesperson is located, and obtain the adjusted ratio range as the preset ratio range.

For step 201, it can be understood that in the insurance industry, the types of different types of insurance often have different contribution ratios. For example, the contribution rate of pension insurance policies is generally low, while the contribution ratio of property insurance policies is relatively high. Therefore, before evaluating whether the new contribution ratio is reasonable, the type of insurance for the contribution ratio modification request corresponding policy can be obtained, and then the step ratio 202 determines the proportion range corresponding to the type of the insurance.

For step 202, various scale ranges may be preset in the insurance company system, and these preset scale ranges are respectively in one-to-one correspondence with different types of insurance. After step 201 determines that the contribution ratio modification request corresponds to the type of insurance policy, the scale range corresponding to the type of the insurance can be determined.

For step 203, the risk rate is an important indicator of the insurance operation cost of the department in which the salesperson is located. Therefore, the range of the selected ratio can be adjusted by using the risk rate, so that the final predetermined range of the ratio is more reasonable. Generally speaking, the higher the risk rate (that is, the greater the number of claims), the higher the operating cost. Accordingly, the lower the profit of the department, the lower the ratio should be adjusted; on the contrary, the lower the risk rate, It means that the lower the operating cost, correspondingly, the higher the profit of the department, the higher the ratio should be adjusted.

Further, in this embodiment, as shown in FIG. 3, the foregoing step 203 may include:

301. Obtain a risk rate of the department where the salesperson is located;

302. Obtain an average risk rate of the insurance company where the salesperson is located;

303. Compare the risk rate of the department in which the department is located with the average risk rate;

304. If the risk rate of the department is greater than the average risk rate, calculate an excess ratio of the risk rate of the department that exceeds the average risk rate, and select the selected value according to the excess value. a range of ratios obtained as a range of ratios after the reduction;

305. If the risk rate of the department is less than the average risk rate, calculate a decrease ratio of the risk rate of the department according to the average risk rate, and select the selected value according to the decrease ratio. a range of ratios obtained as a range of ratios after the adjustment;

306. If the risk rate of the department is equal to the average risk rate, determine the range of the selected ratio as the preset ratio range.

For step 301, the department's risk rate is an important indicator to measure the insurance operation cost of the department where the salesperson is located. The risk rate mentioned here can be the risk rate of the previous month, or the risk rate of the previous year of the department. There is no restriction here.

For step 302, for the entire insurance company, the average risk rate refers to the average of the risk rates of the various business units in the insurance company. Similar to the departmental risk rate, the average risk rate can be the average risk rate of each department of the insurance company in the previous month, or the average risk rate of each department of the insurance company in the previous year. There is no restriction here.

For step 303, the risk rate of the department is compared with the average risk rate, and then steps 304, 305, and 306 are performed according to different comparison results.

For step 304, it can be understood that when the risk rate of the department is greater than the average risk rate of the insurance company, it indicates that the risk rate of the department of the salesperson is higher than the average value, that is, the cost of the policy is higher than the average value, The department in which the salesperson is located should be penalized in proportion to the contribution. Therefore, it is possible to calculate an excess ratio value of the risk ratio of the department in which the department exceeds the average risk rate, and then lower the selected range of the ratio according to the excess ratio value. For example, if the risk ratio of the department is 0.2 and the average risk is 0.1, the excess is 50%. At this time, the range of the selected ratio should be reduced by 50%, that is, the ratio range obtained by the assumption is [0, 0.8], and the scale range [0, 0.4] is obtained after the reduction.

For step 305, similarly, when the departmental risk rate is less than the average insurance rate of the insurance company, it indicates that the sales rate of the department where the salesperson is located is lower than the average value, that is, the cost of the policy is lower than the average value, and the salesperson is located. The department should be rewarded for the proportion of contributions. Therefore, the falling ratio value of the risk rate of the department in question relative to the average risk rate may be calculated, and the range of the selected ratio may be increased according to the falling ratio value. For example, suppose the risk rate of the department is 0.08 and the average risk rate is 0.1, then the rate of decline is 20%. At this time, the range of the selected ratio should be increased by 20%, that is, the ratio range obtained by the assumption is [0, 0.8], and the scale range [0, 0.96] is obtained after the adjustment.

For step 306, it is easy to understand that when the departmental risk rate is equal to the average risk rate of the insurance company, there is no need to adjust the selected range of the ratio.

In this embodiment, after calculating the modifiable scale range, the following step 105 can generally be performed, and the modifiable scale range is used to determine whether the new contribution ratio is reasonable. However, when needed, in order to make the modifiable scale range more reasonable and accurate, the calculated modifiable scale range can also be adjusted.

Further, as shown in FIG. 4, before performing step 105, the following steps may also be included:

401. Acquire a policy billing performance of the salesperson in a recent time period, where the latest time period refers to a time period of a preset time length before a time point when the contribution ratio modification request is initiated.

402. Obtain a KPI indicator of the salesperson;

403. Adjust the modifiable proportion range according to the policy billing performance and the KPI indicator, and obtain an adjusted modifiable scale range.

For step 401, for example, the policy billing performance of the salesperson in the most recent month can be obtained.

For step 402, the KPI indicator is a key indicator of the salesperson and is one of the important indicators for measuring the business capability of the salesperson. Therefore, when the modifiable scale range adjustment is made, if the KPI index is higher, the modifiable scale range should be adjusted accordingly.

In step 403, in this embodiment, considering the performance of the policy in the most recent time period of the salesperson and the KPI indicator of the salesperson, comprehensively considering the two factors allows the incentive degree to the salesperson, that is, Can be modified within the scale range. The larger the range of modifiable scales, the higher the degree to which the salesperson is allowed to be motivated; otherwise, the lower.

As shown in FIG. 5, the foregoing step 403 may specifically include:

501, determining whether the policy billing performance and the KPI index meet the preset index condition of the department of the salesperson, if yes, proceed to step 502, and if not, proceed to step 503;

502. Increase the modifiable proportion range according to the policy billing performance, the KPI indicator, and the preset indicator condition, and obtain a modifiable proportion range after the adjustment;

503. The modified range of the scale is not adjusted.

For the steps 501 to 503, in this embodiment, the salesperson is given a certain degree of incentives considering the two factors of the policy billing performance and the KPI index, the purpose of which is to motivate the excellent salesperson and allow the excellent salesperson to have more Modify the contribution ratio space, not to punish the unqualified or poor salesman. Therefore, if the salesperson's policy billing performance or the KPI indicator does not meet the department's preset index conditions, the modifiable scale range may not be adjusted.

And when the policy billing performance and the KPI indicator both satisfy the preset index condition of the department of the salesperson, in order to motivate the salesperson with excellent performance, the performance of the policy may be issued according to the policy, and the KPI The indicator and the preset indicator condition are increased by the modifiable scale range, and the modifiable scale range after the height adjustment is obtained. Specifically, it may be calculated that the value of the policy condition of the policy and the KPI indicator are respectively exceeded, and then the amount of the modifiable range is determined according to the proportion of the excess. For example, suppose the salesperson’s policy issuance is 10, the department’s default indicator is 8, and the first factor is over 25%; the salesperson’s KPI is 40, and the salesperson’s Let the KPI indicator be 35, then the second factor partially exceeds the ratio of 14%; the system sets different proportion intervals for each factor part out of proportion, and the different ratio intervals correspond to the addition value of the unchangeable scale range. Suppose that the ratio interval of the first factor part is [0, 30%], the ratio of the ratio is 0.1; the ratio of the second factor is [0, 20%], and the ratio is corresponding to The value is 0.05; it can be seen that the salesperson's current addition value is 0.1+0.05=0.15. If the modifiable scale range calculated in step 104 is [0, 0.8], the adjusted modifiable scale range is [0.15, 0.95].

It can be seen from the above that after adjusting the calculated range of modifiable proportions, the level of competence of the salesperson and the degree of incentives to be received can be more comprehensively and comprehensively considered, which is more conducive to stimulating the initiative and enthusiasm of the salesperson.

Further, in order to prevent the adjusted range of the modifiable ratio from being too high, for example, the lower limit exceeds 100%, the upper limit value or the lower limit value of the modifiable proportional range may be set in advance when the upper limit value or the lower limit value of the modifiable ratio range is exceeded. When the upper limit of the ratio is reached, the upper limit value or the lower limit value of the modifiable scale range is modified to the upper limit of the ratio. For example, suppose the upper limit of the department setting of a salesperson is 0.5, and the range of modifiable ratios calculated and adjusted by the above steps is [0.15, 0.95]. At this time, since 0.95>0.5, the The modified scale range is modified to [0.15, 0.5].

105, it is determined whether the new contribution ratio falls within the range of the modifiable ratio, and if so, step 106 is performed, and if not, step 107 is performed;

106. Determine an audit result of the contribution ratio modification request as a pass, and modify a contribution ratio of the contribution ratio modification request corresponding to the policy to the new contribution ratio;

When the new contribution ratio falls within the modifiable scale range, it indicates that the new contribution ratio is reasonable and acceptable, so the audit result is determined to be passed, and the contribution ratio of the policy is modified to the new contribution ratio. .

107. Determine that the result of the review of the contribution ratio modification request is not passed.

When the new contribution ratio does not fall within the modifiable scale range, it indicates that the new contribution ratio is unreasonable and unacceptable, so the audit result is determined to be unsuccessful, and the audit result can be fed back to the service. member.

In this embodiment, when the audit result of the contribution ratio modification request does not pass, the salesperson may also apply for a manual approval process, and may specify the approval personnel of each link in the approval chain of the manual approval process. After the manual approval process is determined, the approval chain will automatically flow, and real-time email reminders will be sent to the approval personnel of each link through the system background push notification to achieve standardized approval operations. In the process of manual approval process, the salesperson can also provide relevant materials by uploading pictures, attachments, etc., or send e-mails to urge each approving officer to expedite the review. In this regard, the embodiment is not limited.

Corresponding to the contribution ratio review method of the policy described in the above embodiment, FIG. 6 is a structural block diagram of the contribution ratio review apparatus of the policy provided by the embodiment of the present application. For the convenience of description, only the embodiment of the present application is shown. Related parts.

As shown in FIG. 6, a policy contribution ratio review device includes:

The request obtaining module 601 is configured to obtain a salesperson's contribution ratio modification request and a new contribution ratio to be audited;

The historical contribution ratio obtaining module 602 is configured to obtain each historical contribution ratio corresponding to the history policy of the salesperson of the salesperson;

a proportional variance calculation module 603, configured to form the respective historical contribution ratios into an array of ratios, and calculate a variance of the proportional array;

a modifiable range calculation module 604, configured to calculate a modifiable scale range according to the variance and a preset ratio range of the department where the salesperson is located;

The first review module 605 is configured to: if the new contribution ratio falls within the modifiable scale range, determine that the audit result of the contribution ratio modification request is a pass, and the contribution ratio modification request corresponds to the policy contribution The ratio is modified to the new contribution ratio;

The second auditing module 606 is configured to determine that the audit result of the contribution ratio modification request is not passed if the new contribution ratio does not fall within the modifiable scale range.

Further, the preset ratio range can be obtained by the following modules:

a policy type acquisition module, configured to obtain a type of insurance for the policy corresponding to the contribution ratio modification request;

a scale range selection module, configured to select a scale range corresponding to the type of insurance from a preset range of each scale;

The proportional range adjustment module is configured to adjust the selected range of the range according to the risk rate of the department where the salesperson is located, and obtain the adjusted proportional range as the preset proportional range.

Further, the proportional range adjustment module may include:

a departmental risk rate obtaining unit for obtaining a risk rate of the department in which the salesperson is located;

The average risk rate obtaining unit is configured to obtain an average risk rate of the insurance company where the salesperson is located;

a first adjusting unit, configured to calculate, if the risk rate of the department is greater than the average risk rate, calculate an excess ratio of the risk rate of the department that exceeds the average risk rate, and lower the value according to the excess ratio Selecting the obtained range of the ratio, and obtaining a scale range after the reduction as the preset ratio range;

a second adjusting unit, configured to calculate, when the risk rate of the department is less than the average risk rate, calculate a falling ratio of the risk rate of the department to the average risk rate, and increase the value according to the falling ratio Selecting the obtained range of the ratio to obtain a scale range after the adjustment as the preset ratio range;

And a third adjusting unit, configured to determine, when the risk rate of the department is equal to the average risk rate, determine the range of the selected ratio as the preset ratio range.

Further, the contribution ratio review device of the policy may further include:

a ratio determining module, configured to determine whether the new contribution ratio falls within the modifiable scale range;

The modifiable scale range is adjusted by the following modules:

a billing performance obtaining module, configured to obtain a policy billing performance of the salesperson in a recent time period, where the recent time period refers to a preset time length before a time point when the contribution ratio modification request is initiated segment;

a KPI indicator obtaining module, configured to acquire a KPI indicator of the salesperson;

The configurable range adjustment module is configured to adjust the modifiable scale range according to the policy billing performance and the KPI indicator, and obtain an adjusted modifiable scale range.

Further, the modifiable range adjustment module may include:

The indicator condition determining unit is configured to determine whether the policy billing performance and the KPI indicator meet the preset index condition of the department where the salesperson is located;

a range adjustment unit, configured to: if the determination result of the indicator condition determination unit is yes, increase the range of the modifiable ratio according to the policy billing performance, the KPI indicator, and the preset indicator condition, and obtain The modifiable scale range after the increase;

The unit is not adjusted, and if the judgment result of the index condition judging unit is no, the modifiable scale range is not adjusted.

FIG. 7 is a schematic diagram of a terminal device according to an embodiment of the present application. As shown in FIG. 7, the terminal device 7 of this embodiment includes a processor 70 and a memory 71 in which computer readable instructions 72 operable on the processor 70, such as a contribution ratio of a policy, are stored. Review process. When the processor 70 executes the computer readable instructions 72, the steps in the embodiment of the contribution ratio review method of each of the above policies are implemented, such as steps 101 to 107 shown in FIG. Alternatively, the processor 70, when executing the computer readable instructions 72, implements the functions of the various modules/units in the various apparatus embodiments described above, such as the functions of the modules 601 through 606 shown in FIG.

Illustratively, the computer readable instructions 72 may be partitioned into one or more modules/units that are stored in the memory 71 and executed by the processor 70, To complete this application. The one or more modules/units may be a series of computer readable instruction segments capable of performing a particular function for describing the execution of the computer readable instructions 72 in the terminal device 7.

The terminal device 7 may be a computing device such as a desktop computer, a notebook, a palmtop computer, and a cloud server. The terminal device may include, but is not limited to, the processor 70 and the memory 71. It will be understood by those skilled in the art that FIG. 7 is only an example of the terminal device 7, and does not constitute a limitation of the terminal device 7, and may include more or less components than those illustrated, or combine some components or different components. For example, the terminal device may further include an input/output device, a network access device, a bus, and the like.

The so-called processor 70 can be a central processing unit (Central Processing Unit, CPU), can also be other general-purpose processors, digital signal processors (DSP), application specific integrated circuits (Application Specific Integrated Circuit (ASIC), Field-Programmable Gate Array (FPGA) or other programmable logic device, discrete gate or transistor logic device, discrete hardware components, etc. The general purpose processor may be a microprocessor or the processor or any conventional processor or the like.

The memory 71 may be an internal storage unit of the terminal device 7, such as a hard disk or a memory of the terminal device 7. The memory 71 may also be an external storage device of the terminal device 7, for example, a plug-in hard disk provided on the terminal device 7, a smart memory card (SMC), and a secure digital (SD). Card, flash card, etc. Further, the memory 71 may also include both an internal storage unit of the terminal device 7 and an external storage device. The memory 71 is configured to store the computer readable instructions and other programs and data required by the terminal device. The memory 71 can also be used to temporarily store data that has been output or is about to be output.

In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above integrated unit can be implemented in the form of hardware or in the form of a software functional unit.

The integrated unit, if implemented in the form of a software functional unit and sold or used as a standalone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present application, in essence or the contribution to the prior art, or all or part of the technical solution may be embodied in the form of a software product stored in a storage medium. A number of instructions are included to cause a computer device (which may be a personal computer, server, or network device, etc.) to perform all or part of the steps of the methods described in various embodiments of the present application. The foregoing storage medium includes: a U disk, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk, or an optical disk, and the like, which can store program codes. .

The above embodiments are only used to explain the technical solutions of the present application, and are not limited thereto; although the present application has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that they can still The technical solutions described in the embodiments are modified, or the equivalents of the technical features are replaced by the equivalents. The modifications and substitutions of the embodiments do not depart from the spirit and scope of the technical solutions of the embodiments of the present application.

Claims

A method for reviewing the contribution ratio of a policy, which is characterized by comprising:

Obtain the salesperson's contribution ratio modification request and the proportion of new contributions to be reviewed;

Obtaining the historical contribution ratio corresponding to the historical policy that the salesperson has already received the commission;

Having the respective historical contribution ratios into an array of ratios, and calculating a variance of the proportional array;

Calculating a modifiable scale range according to the variance and a preset ratio range of the department where the salesperson is located;

If the new contribution ratio falls within the modifiable scale range, determining that the audit result of the contribution ratio modification request is a pass, and modifying the contribution ratio of the contribution ratio modification request corresponding to the policy to the new contribution ratio ;

If the new contribution ratio does not fall within the modifiable scale range, it is determined that the audit result of the contribution ratio modification request is not passed.
The method for reviewing the contribution ratio of a policy according to claim 1, wherein the preset ratio range is obtained by the following steps:

Obtaining the type of insurance for the contribution ratio modification request corresponding to the policy;

Selecting a scale range corresponding to the type of insurance from a preset range of ratios;

The range of the selected ratio is adjusted according to the risk rate of the department where the salesperson is located, and the adjusted ratio range is obtained as the preset ratio range.
The method for reviewing the contribution ratio of the policy according to claim 2, wherein the range of the selected ratio is adjusted according to the risk rate of the department where the salesperson is located, and the adjusted ratio range is obtained as the The preset scale range includes:

Obtaining the risk rate of the department in which the salesperson is located;

Obtaining the average risk rate of the insurance company where the salesperson is located;

If the risk rate of the department is greater than the average risk rate, calculate an excess ratio of the risk rate of the department that exceeds the average risk rate, and lower the selected range according to the excess value. , obtaining a scale range after the reduction as the preset ratio range;

If the risk rate of the department is less than the average risk rate, calculate a decrease ratio of the risk rate of the department in question with respect to the average risk rate, and select the range of the ratio obtained according to the decrease ratio , obtaining a scale range after the adjustment as the preset ratio range;

If the risk rate of the department is equal to the average risk rate, the selected range of the selected ratio is determined as the preset ratio range.
The method for reviewing the contribution ratio of a policy according to any one of claims 1 to 3, further comprising: after calculating the modifiable scale range according to the variance and the preset ratio range of the department where the salesperson is located, the method further comprising:

Determining whether the new contribution ratio falls within the modifiable scale range;

Before determining whether the new contribution ratio falls within the range of the modifiable ratio, the method for reviewing the contribution ratio of the policy further includes:

Obtaining a policy billing performance of the salesperson during a recent time period, where the recent time period refers to a time period of a preset time length before a time point when the contribution ratio modification request is initiated;

Obtaining the KPI indicator of the salesperson;

Adjusting the modifiable scale range according to the policy billing performance and the KPI indicator, and obtaining an adjusted modifiable scale range.
The method for reviewing the contribution ratio of a policy according to claim 4, wherein the adjustment of the modifiable scale range according to the policy billing performance and the KPI index, and the adjusted modifiable scale range is obtained. include:

Determining whether the policy billing performance and the KPI indicator meet the preset index conditions of the department in which the salesperson is located;

If the policy billing performance and the KPI indicator meet the preset index condition of the department of the salesperson, the policy is issued according to the policy billing performance, the KPI indicator, and the preset indicator condition. The scale range can be modified to obtain a modifiable scale range after the adjustment;

If the policy billing performance or the KPI indicator does not meet the preset index condition of the department where the salesperson is located, the modifiable scale range is not adjusted.
A contribution ratio review device for a policy, comprising:

Requesting an acquisition module for obtaining a salesperson's contribution ratio modification request and a new contribution ratio to be reviewed;

a historical contribution ratio obtaining module, configured to obtain a historical contribution ratio corresponding to a historical policy that the salesperson has paid commission;

a proportional variance calculation module, configured to form the respective historical contribution proportions into an array of ratios, and calculate a variance of the proportional array;

The configurable range calculation module is configured to calculate a modifiable scale range according to the variance and a preset ratio range of the department where the salesperson is located;

a first auditing module, if the new contribution ratio falls within the modifiable scale range, determining that the audit result of the contribution ratio modification request is a pass, and the contributing proportion of the contribution ratio modification request corresponding to the policy Revised to the new contribution ratio;

The second auditing module is configured to determine that the audit result of the contribution ratio modification request is not passed if the new contribution ratio does not fall within the modifiable scale range.
The contribution ratio review apparatus for a policy according to claim 6, wherein the preset ratio range is obtained by the following module:

a policy type acquisition module, configured to obtain a type of insurance for the policy corresponding to the contribution ratio modification request;

a scale range selection module, configured to select a scale range corresponding to the type of insurance from a preset range of each scale;

The proportional range adjustment module is configured to adjust the selected range of the range according to the risk rate of the department where the salesperson is located, and obtain the adjusted proportional range as the preset proportional range.
The apparatus for reviewing the contribution ratio of the policy according to claim 7, wherein the proportional range adjustment module comprises:

a departmental risk rate obtaining unit for obtaining a risk rate of the department in which the salesperson is located;

The average risk rate obtaining unit is configured to obtain an average risk rate of the insurance company where the salesperson is located;

a first adjusting unit, configured to calculate, if the risk rate of the department is greater than the average risk rate, calculate an excess ratio of the risk rate of the department that exceeds the average risk rate, and lower the value according to the excess ratio Selecting the obtained range of the ratio, and obtaining a scale range after the reduction as the preset ratio range;

a second adjusting unit, configured to calculate, when the risk rate of the department is less than the average risk rate, calculate a falling ratio of the risk rate of the department to the average risk rate, and increase the value according to the falling ratio Selecting the obtained range of the ratio to obtain a scale range after the adjustment as the preset ratio range;

And a third adjusting unit, configured to determine, when the risk rate of the department is equal to the average risk rate, determine the range of the selected ratio as the preset ratio range.
The contribution ratio review apparatus of the policy according to any one of claims 6 to 8, wherein the policy contribution ratio review apparatus further includes:

a ratio determining module, configured to determine whether the new contribution ratio falls within the modifiable scale range;

The modifiable scale range is adjusted by the following modules:

a billing performance obtaining module, configured to obtain a policy billing performance of the salesperson in a recent time period, where the recent time period refers to a preset time length before a time point when the contribution ratio modification request is initiated segment;

a KPI indicator obtaining module, configured to acquire a KPI indicator of the salesperson;

The configurable range adjustment module is configured to adjust the modifiable scale range according to the policy billing performance and the KPI indicator, and obtain an adjusted modifiable scale range.
The apparatus for reviewing the contribution ratio of the policy according to claim 9, wherein the modifiable range adjustment module comprises:

The indicator condition determining unit is configured to determine whether the policy billing performance and the KPI indicator meet the preset index condition of the department where the salesperson is located;

a range adjustment unit, configured to: if the determination result of the indicator condition determination unit is yes, increase the range of the modifiable ratio according to the policy billing performance, the KPI indicator, and the preset indicator condition, and obtain The modifiable scale range after the increase;

The unit is not adjusted, and if the judgment result of the index condition judging unit is no, the modifiable scale range is not adjusted.
A terminal device, comprising: a memory and a processor, wherein the memory stores computer readable instructions executable on the processor, and the processor implements the following steps when the computer readable instructions are executed :

Obtain the salesperson's contribution ratio modification request and the proportion of new contributions to be reviewed;

Obtaining the historical contribution ratio corresponding to the historical policy that the salesperson has already received the commission;

Having the respective historical contribution ratios into an array of ratios, and calculating a variance of the proportional array;

Calculating a modifiable scale range according to the variance and a preset ratio range of the department where the salesperson is located;

If the new contribution ratio falls within the modifiable scale range, determining that the audit result of the contribution ratio modification request is a pass, and modifying the contribution ratio of the contribution ratio modification request corresponding to the policy to the new contribution ratio ;

If the new contribution ratio does not fall within the modifiable scale range, it is determined that the audit result of the contribution ratio modification request is not passed.
The terminal device according to claim 11, wherein the preset ratio range is obtained by the following steps:

Obtaining the type of insurance for the contribution ratio modification request corresponding to the policy;

Selecting a scale range corresponding to the type of insurance from a preset range of ratios;

The range of the selected ratio is adjusted according to the risk rate of the department where the salesperson is located, and the adjusted ratio range is obtained as the preset ratio range.
The terminal device according to claim 12, wherein the selected range of the ratio is adjusted according to a risk rate of the department where the salesperson is located, and the adjusted ratio range is obtained as the preset ratio range. include:

Obtaining the risk rate of the department in which the salesperson is located;

Obtaining the average risk rate of the insurance company where the salesperson is located;

If the risk rate of the department is greater than the average risk rate, calculate an excess ratio of the risk rate of the department that exceeds the average risk rate, and lower the selected range according to the excess value. , obtaining a scale range after the reduction as the preset ratio range;

If the risk rate of the department is less than the average risk rate, calculate a decrease ratio of the risk rate of the department in question with respect to the average risk rate, and select the range of the ratio obtained according to the decrease ratio , obtaining a scale range after the adjustment as the preset ratio range;

If the risk rate of the department is equal to the average risk rate, the selected range of the selected ratio is determined as the preset ratio range.
The terminal device according to any one of claims 11 to 13, characterized in that, after calculating the modifiable scale range according to the variance and the preset ratio range of the department where the salesperson is located, the method further comprises:

Determining whether the new contribution ratio falls within the modifiable scale range;

Before determining whether the new contribution ratio falls within the range of the modifiable ratio, the method for reviewing the contribution ratio of the policy further includes:

Obtaining a policy billing performance of the salesperson during a recent time period, where the recent time period refers to a time period of a preset time length before a time point when the contribution ratio modification request is initiated;

Obtaining the KPI indicator of the salesperson;

Adjusting the modifiable scale range according to the policy billing performance and the KPI indicator, and obtaining an adjusted modifiable scale range.
The terminal device according to claim 14, wherein the adjusting the scale range according to the policy billing performance and the KPI indicator, and obtaining the adjusted modifiable scale range comprises:

Determining whether the policy billing performance and the KPI indicator meet the preset index conditions of the department in which the salesperson is located;

If the policy billing performance and the KPI indicator meet the preset index condition of the department of the salesperson, the policy is issued according to the policy billing performance, the KPI indicator, and the preset indicator condition. The scale range can be modified to obtain a modifiable scale range after the adjustment;

If the policy billing performance or the KPI indicator does not meet the preset index condition of the department where the salesperson is located, the modifiable scale range is not adjusted.
A computer readable storage medium storing computer readable instructions, wherein the computer readable instructions, when executed by at least one processor, implement the following steps:

Obtain the salesperson's contribution ratio modification request and the proportion of new contributions to be reviewed;

Obtaining the historical contribution ratio corresponding to the historical policy that the salesperson has already received the commission;

Having the respective historical contribution ratios into an array of ratios, and calculating a variance of the proportional array;

Calculating a modifiable scale range according to the variance and a preset ratio range of the department where the salesperson is located;

If the new contribution ratio falls within the modifiable scale range, determining that the audit result of the contribution ratio modification request is a pass, and modifying the contribution ratio of the contribution ratio modification request corresponding to the policy to the new contribution ratio ;

If the new contribution ratio does not fall within the modifiable scale range, it is determined that the audit result of the contribution ratio modification request is not passed.
The computer readable storage medium of claim 16, wherein the predetermined ratio range is obtained by the following steps:

Obtaining the type of insurance for the contribution ratio modification request corresponding to the policy;

Selecting a scale range corresponding to the type of insurance from a preset range of ratios;

The range of the selected ratio is adjusted according to the risk rate of the department where the salesperson is located, and the adjusted ratio range is obtained as the preset ratio range.
The computer readable storage medium according to claim 17, wherein the range of the selected ratio is adjusted according to a risk rate of the department where the salesperson is located, and the adjusted ratio range is obtained as the The scale range includes:

Obtaining the risk rate of the department in which the salesperson is located;

Obtaining the average risk rate of the insurance company where the salesperson is located;

If the risk rate of the department is greater than the average risk rate, calculate an excess ratio of the risk rate of the department that exceeds the average risk rate, and lower the selected range according to the excess value. , obtaining a scale range after the reduction as the preset ratio range;

If the risk rate of the department is less than the average risk rate, calculate a decrease ratio of the risk rate of the department in question with respect to the average risk rate, and select the range of the ratio obtained according to the decrease ratio , obtaining a scale range after the adjustment as the preset ratio range;

If the risk rate of the department is equal to the average risk rate, the selected range of the selected ratio is determined as the preset ratio range.
The computer readable storage medium according to any one of claims 16 to 18, further comprising: after calculating the modifiable scale range according to the variance and the preset ratio range of the department where the salesperson is located, further comprising:

Determining whether the new contribution ratio falls within the modifiable scale range;

Before determining whether the new contribution ratio falls within the range of the modifiable ratio, the method for reviewing the contribution ratio of the policy further includes:

Obtaining a policy billing performance of the salesperson during a recent time period, where the recent time period refers to a time period of a preset time length before a time point when the contribution ratio modification request is initiated;

Obtaining the KPI indicator of the salesperson;

Adjusting the modifiable scale range according to the policy billing performance and the KPI indicator, and obtaining an adjusted modifiable scale range.
The computer readable storage medium according to claim 19, wherein the adjusting the scale range according to the policy billing performance and the KPI indicator, and obtaining the adjusted modifiable scale range comprises :

Determining whether the policy billing performance and the KPI indicator meet the preset index conditions of the department in which the salesperson is located;

If the policy billing performance and the KPI indicator meet the preset index condition of the department of the salesperson, the policy is issued according to the policy billing performance, the KPI indicator, and the preset indicator condition. The scale range can be modified to obtain a modifiable scale range after the adjustment;

If the policy billing performance or the KPI indicator does not meet the preset index condition of the department where the salesperson is located, the modifiable scale range is not adjusted.