| 摘要 |
<p>A method and system for evaluating the insurability of a potential insurable risk is disclosed. The system comprises a memory unit (12) having a plurality of data bases (20, 22, 24, 26, 28), and a terminal (10) having a central processing unit (14), an input device (16) and a display (18). The system operates to identify and to correlate selected elements of information contained in the first and second data bases. Based upon the results of the correlation, weights are then assigned to the elements of information by an expert module or by an underwriter. The system further determines a risk classification from the assigned weights. In other embodiments, the system allows the operator to override the expert module, and to assign different weights to a corresponding element of information. Additional features include the use of statistical profiles to adjust the assigned weights, and the provision of additional data bases useful in managing the system and in customizing the system for particular applications.</p> |
