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首页> 外文会议>IEEE international conference on grey systems and intelligent services >Grey Clustering Statistic, Policyholder’s Risk Attitude and Purchase Decision
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Grey Clustering Statistic, Policyholder’s Risk Attitude and Purchase Decision

机译：灰色聚类统计，投保人的风险态度和购买决策

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For life insurance companies, selecting the potential buyers of investment-linked insurance out of the existing policyholders is an effective and economic strategy. We try to use logistic regression model combined with grey clustering statistic to forecast the policyholder’s purchase decision of investment-inked Insurance. Because policyholder of investment-linked insurance bears the investment risk, their risk attitude should have a great impact on their purchase decision of investment-linked insurance. We take general risk attitude and financial risk attitude into account at the same time. Grey clustering statistic offers an alternative to the traditional methods of classification for risk attitude. The accuracy ratio of our model is 79.11%. Finally, we find that financial risk attitude is more relevant for policyholders’ purchase decision than general risk attitude.
机译：对于人寿保险公司而言，从现有保单持有人中选择投资连结保险的潜在购买者是一种有效且经济的策略。我们尝试将逻辑回归模型与灰色聚类统计相结合，以预测投保人投资性保险的购买决策。由于投连保险保单持有人承担投资风险，因此其风险态度应对投连保险的购买决策产生重大影响。我们同时考虑一般风险态度和财务风险态度。灰色聚类统计数据为传统的风险态度分类方法提供了一种替代方法。我们模型的准确率是79.11％。最后，我们发现与一般风险态度相比，财务风险态度与投保人的购买决策更相关。

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