Caracterización y predicción de la siniestralidad en el seguro de vida deudores de una cooperativa de ahorro y crédito
En este estudio se realizaron análisis estadísticos alrededor de los datos de siniestralidad de la póliza vida deudores de una entidad financiera obtenidos en los últimos cinco años. Esta póliza representa gran importancia para una entidad financiera, dado que es la que protege y resguarda los saldo...
- Autores:
-
Ruiz Machuca, Leidy Magally
- Tipo de recurso:
- http://purl.org/coar/version/c_b1a7d7d4d402bcce
- Fecha de publicación:
- 2016
- Institución:
- Universidad Industrial de Santander
- Repositorio:
- Repositorio UIS
- Idioma:
- spa
- OAI Identifier:
- oai:noesis.uis.edu.co:20.500.14071/35513
- Palabra clave:
- Caracterización Predicción Siniestralidad Series De Tiempo Análisis De Correspondencias
This work contain the statistical analyzes of data bases about the insurance claims of a financial company since five years ago
specifically from 2011 to 2015. The policy of the credits represents the most important policy for a financial company
because it protects and preserves the balance of loans granted to customers
in case that they cannot continue to pay their debt because present a total and permanent disability or loss labor capacity
or death during the term of the loan
this policy is responsible for paying in such cases
as long as they meet the conditions of the contract. In the event that the insurer who has contracted this policy does not give a positive response to this payment
the financial company has to take care of this value
because of it is required to analyze the behavior that has been presented and the demographics and occupation characteristics of customers that influencing these claims
with the aim of reducing this index
and likewise be achieved within the control limits established by the insurance companies. In this work
was apply the methods of time series and correspondence analysis to achieve a prediction of future claims for this concept and characterization of these customers to implement preventive actions to these events.
- Rights
- License
- Attribution-NonCommercial 4.0 International (CC BY-NC 4.0)