保险购买预测的k -划分集成多标签分类器

Jiayu Zhou, Yong Guo, Yanqing Ye, Jiang Jiang
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引用次数: 0

摘要

个人保险购买预测可以帮助有效、准确地进行广告宣传,实现销售最大化。目前大多数保险购买预测模型只考虑客户是否会购买某种保险。这样,随着保险产品数量的快速增长,预测将非常耗时。为了给保险公司提供更有效和高效的营销方法,本文提出了一个K-Partition Ensemble Multi-Label分类模型来预测客户未来可能的保险购买行为。首先,通过将保险购买预测问题转化为多标签分类问题,探索保险购买数据集中数据划分的特征与标签之间的平衡;其次,引入k划分集成多标签分类模型,其中每个不同的标签在训练集中构成一个单标签分类任务的新类别,并使用随机森林进行多类分类。实证检验采用线圈挑战2000年的保险公司案例数据。我们发现,当标签数量在20左右时,预测分类器的表现最好。经验证据表明,与其他3种经典多标签分类算法相比,我们的模型在相对较少的时间内取得了实质性的改进,特别是在标签数量较多的领域。研究结果也为基于多标签评价的数据模型构建在特定领域的应用提供了新的思路和有益的参考。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
K-Partition Ensemble Multi-label Classifier for Insurance Purchase Prediction
Individual insurance purchase prediction can help effectively and accurately advertise to maximize sales. Most current insurance purchase prediction model only considers whether a customer will buy certain insurance. In this way, the prediction will be time-consuming with the rapid growth of the number of insurance products. In order to provide more effective and efficient marketing methods for insurance companies, this work proposes a K-Partition Ensemble Multi-Label classification model to predict the customer’s possible future insurance purchase. First, by transforming the insurance purchase prediction problem into a multi-label classification problem, the balance between features and labels of data division in the insurance purchasing dataset is explored. Second, a k-partition ensemble multi-label classification model is introduced, where each distinct label constitutes in the training set as a new category of a single-label classification task, and the random forest is used for multi-class classification. The empirical test is carried out using the Insurance Company Case data from CoIL Challenge 2000. We find prediction classifiers perform the best when the number of labels is around 20. Empirical evidence indicates that our model manages to improve substantially over other 3 classical multi-label classification algorithms with relatively little time, especially in domains with a large number of labels. The research results also provide a new idea and useful reference for the application in specific fields construction of data models based on the multi-label evaluation.
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