Research On Insurance Risk Analysis Based On Uncertainty Theory In Big Data Environment

In China,the insurance industry is in the stage of rapid development.As an important member of the financial industry,the risk scale faced by the insurance industry is growing at a rapid rate.With the increasing difficulty of risk management,it is urgent for the insurance industry to improve the ability of risk management and control.Based on the rapid development of big data technology,the application of advanced big data technology to insurance risk management and risk evaluation has greatly improved compared with the traditional coping ability of insurance risk.At the same time,based on the complex and diversified risks faced by automobile insurance,big data technology will help its risk control and promote the healthy and sustainable development of the industry.This paper applies the big data association rule algorithm to the field of automobile insurance,carries out knowledge mining and risk analysis of claim amount and customer personal information,and assists in the strategy improvement of insurance business.Firstly,this paper expounds the relevant knowledge of big data technology Apriori association rule method and the theoretical knowledge of uncertainty theory applied in this paper,and analyzes and designs the creation of the model from a theoretical point of view.Based on the theory of Va R and apriori,a new vehicle insurance risk measurement model is established.The innovation of this paper is reflected in the following three points: first,fully considering the complexity and diversity of risks faced by vehicle insurance,this paper carries out risk evaluation from two categories: the attribute of vehicle driver and the natural attribute of vehicle;Second,the uncertainty theory is applied to measure and quantify the risk,and the application of a single Apriori can only obtain the conclusion that a certain factor may have an impact,so as to optimize and upgrade,and finally reflect the risk in the form of quantification;Third,although the insurance industry is developing rapidly,the system of automobile insurance is relatively imperfect.Therefore,applying this model to the field of automobile insurance has great application value and commercial value.Finally,the experiment obtains four main risk attributes affecting the claim amount,and uses the random forest algorithm of big data technology to verify the conclusion of this model.Based on the above situation,the company can carry out efficient risk control.The research of this paper fully explains the bright development prospect of big data technology in the field of insurance and the important value of uncertainty theory in risk management in the analysis of this industry.