一种基于遗传算法的保险方案智能推荐方法

摘要

保险方案的智能推荐是辅助保险产品推荐的重要组成部分,它利用计算机自动生成符合不同用户需求的最佳保险方案.本文利用遗传算法构造保险方案的智能推荐方法,该方法可依据保险方案的重要性指标对保险方案进行个性化推荐,在遗传算法中设计适应于保险方案的适应度函数,同时采用分组自然数的复合编码方式,提出带约束条件的染色体交叉变异策略；实验仿真结果表明,该方法在保险方案推荐中是有效可行的.%Intelligent recommendation of insurance scheme is an important component to assist insurance product recommendation; it can use the computer to automatically generate the best insurance scheme for different demand users.An intelligent recommendation approach for insurance scheme by genetic algorithm is constructed,the personalized recommendation of insurance scheme based on the key principle of insurance scheme is presented,and the fitness function adapted to this model is introduced;what' s more,the hybrid encoding with groups natural number is employed,the crossing and variation operation are proposed using constraint conditions.The simulation experimental results show that the proposed approach is feasible and valid in insurance scheme recommendation.