A Statistical Analysis Of Socialized Investment In The Context Of Large Data

With the rapid development and popularization of computer and information technology applications, the scale of the industry application system rapidly expands. It reaches hundreds of TB or tens to hundreds of PB, the big data has been far beyond the existing traditional computing technology, therefore, to seek effective large data processing technology, methods and means have become the pressing needs of the real world. With the popularity of big data concepts, wikipedia gives a qualitative description:big data is unable to use traditional and commonly used software techniques and tools in a certain period of time to complete the acquisition, management, as well as dealing with the database. Further, the current we focus on the word’big data’already not only lies in the definition of the data scale, it represents that the development of information technology has entered a new era, the explosive data information brings to the traditional computing and information technology technical challenges and difficulties, a big data also represents the application of new inventions, new services and new opportunities. Society, however, in the advent of the era of big data, the way of life, way of investment and the way of thinking has changed. Especiallythe terms of investment ideas has changed greatly, the investment has been divided into entity investment and financial investment, the channel also tends to be more independent small groups to make investment decisions, and in the age of the data, the investment decisions of people is very big, and then in a short period they affect our investment decisionsand the whole economic gains. The impaction of economynot only caused the attention of the national level but also attracted the attention somelife insurance companiesalong with the advancement of financial integrationcontact life insurance management and financial market development, in the complex financial environmentthe insurance company has appeared’surrender’,’customer mass against surrender’, such as life insurance companies, the countermeasures to solve the problem of surrender is not clear enough.under the impact of the massive amounts of data, and life insurance company spread the dominant intention into consideration. Life insurance company’s financial risks and universal risks, it is a new financial management mode, in the life insurance company’s daily operation management, the renewal rate of security of surrender rate, serious illness, and surrender rate is one of the most attention management indicators, it is not just about business and investment strategies of affordable, even related to stability of the capital chain, the company is also related to the strategic development of the whole company and even the sustainable development of the industry, it will rise higher level on the smooth development of the whole national economy impaction.Considering the impact of big data, this paper, the information transmission in social platform is the rise of investment research society. First of all, insurance and loan and other related concepts, according to the concept of the authority issued definitions, combined with the authority of the insurance institutions. In the recent year one person points out that the characteristics of life insurance surrender phenomenon in China and in the whole life insurance surrender phenomenon profile of the company. In this paper, the loan in a life insurance policy information table of customer’s label variables were statistically analyzed, through the statistical model, we find the number of policies have a significant impaction to surrender the significant variables, according to the macro fundamentals, we illustrate what factors affect the life insurance company to retreat, and then put forward Suggestions and strategies for life insurance company aiming to reduce the surrender rate to raise loan risk management, in order to promote a positive effect on life insurance to prevent loan risks.In this paper, in order to be comprehensive and multi-dimensional analysis of the factors, we use the viewpoints of both micro and macro analysis. First of all, from the micro level, we put company production database random back extraction in 2014 based on 10000 data as the data set, data model and find out the significance of scalar, using R software for customer variables to describe the statistics, using LOGIT and PROBIT model, using AIC and BIC to screen the optimal variables, which determining the significant variables in the model coefficients, and obtained to surrender what characteristics of the crowd is inclined to surrender. The data in the database includes data of social software platform to buy insurance. At the macro level:this paper based on the entire economic environment in the data under the background of industrial structure and economic policy, with the macro data description analysis, the author points out the reasons surrendering a macro level mainly have inflation and interest rates. The author finds out the changes of relationship between them and direction. The life insurance company management system can also cause the surrender of customers, such as other financial products in the alternative of life insurance products, insurance products intrinsic limitations, agent sales misleading, after-sale service and so on. Through the analysis of macro level for the next life insurance company, according to the direction of policy, the author adjust their products and the rational allocation of resources for the company, such as popularizing relevant insurance knowledge, safeguarding the good image of the insurance industry, positive publicity, to strengthen internal management, reduce sales misleading. Constantly improve the product and weaken the risk, the establishment of early warning mechanism is needed. Perfect insurance safeguard function to eliminate policy value liquidity. Improving the quality of service, Micro analysis mainly focus on customer buying insurance surrender of the lowest probability, and regard them as a life insurance company’s main customers, we use the model of the significant indicators to portrait the characteristics of customers and to surrender probability higher, the significant indicators of performance are not regarded as the key customer, but they can be for the business agent in the early market into precision marketing and reduce the manpower and labor cost, as well as lobbying customer development cost.