Data Mining Technology In The Auto Insurance In Crm

Automobile insurance innovation was carried out formally on January 1, 2003, and insurance companies have their own rights to establish insurance clause and premium tariff system from then on. It provides good conditions for local automobile insurance companies to grow up faster through the all-around competition including products, price and service before the foreign companies come in. But it also brings some problems that local companies have to face. Going with freeing insurance clause and premium tariff system, opening insurance market, and entering foreign companies, the competition will becoming fiercer and fiercer, and the situation cannot be predicted. But customer is the eternal theme that all companies must pay more attention to.The important position of CRM was determined by the characteristics of automobile insurance. Effective CRM must be based on powerful data analysis technology. There are plentiful data produced in automobile insurance operations, which can be used to analysis, but increases greatly difficulties at the same time. How to make the plentiful data resources turn into real knowledge that can be used in business decision, which can support the automobile insurance CRM?This thesis puts forward applying data mining in automobile insurance CRM through analysis of present situation, problem to be resolved, and developing trends of automobile insurance, mainly researches on how to use data mining technology to improve the level of automobile companies' analytical CRM. Focal points were set on four business themes: customer risk analysis, customer behavior analysis, customer valuable analysis and fraud detection, and design the corresponding data mining flow and model. The famous data mining software SAS Enterprise Miner 4.1 was used to design, validate and assess models in the demonstration part of this thesis.Some conclusions in this thesis will benefit to automobile CRM, but the more important, I think, is the innovation of the data mining application. It's just the 1st year after the automobile insurance innovation, and hope this thesis will have an impetus to the improvement of automobile insurance's CRM.