Research On The Application Of Data Mining To The Basic Medical Insurance For Urban In China

Under the socialist market economy, perfect social security is essential for a steady social and economic development. Chinese basic medical insurance for urban employees, which was firstly experimented at the end of 1994 had been implemented in most of the regions by the end of 2007 with the number of insureds up to 18 millions. However, the practice of basic medical insurance for urban employees reform in recent years shows that there are still a number of problems need to be solved. With the rapid development of computer technology and interdisciplines, data mining is more frequently applied to the risk analysis in insurance. Because of the extension of regions involved in basic medical insurance and the increase of years since the construction of the system, data size of basic medical insurance increases rapidly, this is a necessary condition for us to study how to apply the data mining technology in our basic medical insurance for urban employees.The present paper uses several algorithms of data mining to analysis the data sample of a certain city, aiming at studying the mode and the feasibility of application of data mining technology in urban basic medical insurance in China. Firstly, based on the analysis of the data sample of the basic medical insurance for urban employees of a giving city by using decision tree algorithm and neural network algorithm- two of the basic algorithms of data mining- this paper studies the effect of such factors as gender, age, years to be insured, the base of monthly payment of the insureds of urban basic medical insurance and the number of employees of the enterprise, to find out implicit effective information. The analysis comes to the conclusion that the base of monthly payment of the insureds is most important factor of the consumption of the personal account, then years of insured, age and number of employees of the enterprise are of less importance. More over, gender affects little. Then, it attemps to make regressions and predictions of the accounts of the insured enterprises by using time series algorithm, which will provide basis for the government supervisors'examination of the states of the accounts of the insured enterprises. Based on the above analysis, the paper gives relevant, in the light of the current condition of basic medical insurance for urban employees.