2024 Tus sau: Howard Calhoun | [email protected]. Kawg hloov kho: 2023-12-17 10:28
Txhua tus neeg tsav tsheb tuaj yeem ntsib qhov xav tau hloov daim ntawv tsav tsheb. Raws li txoj cai, qhov no tshwm sim tom qab poob ntawm ib daim ntawv. Txawm li cas los xij, tsis hais seb yog vim li cas, qhov nyiaj ntxiv-malus coefficient ploj mus, vim tias tus nqi ntawm cov kev pab cuam pov hwm tau nce ntau. Thaum ntsib qhov no, feem ntau cov neeg tam sim ntawd poob siab rau kev poob siab, vim lawv xav tias tsis muaj dab tsi ua tau. Tab sis qhov no yog deb ntawm qhov tseeb. Muaj ob peb txoj hauv kev zoo, txoj hauv kev uas yuav tso cai rau koj rov qab tau luv nqi rau kev caij tsheb tsis muaj xwm txheej. Cia peb saib ntawm lawv txhua tus thiab nrhiav seb yuav kho KBM li cas tom qab hloov txoj cai nrog teeb meem tsawg.
Qhov laj thawj tseem ceeb ntawm kev ploj ntawm qhov luv nqi
Cia peb saib kom ze rau qhov no. Rov pib dua qhov nyiaj ntxiv-malus coefficient tuaj yeem tshwm sim tsis yog tom qab tau txais daim ntawv tsav tsheb tshiab. Tau kawg, feem ntau yog vim li cas qhov no yog kev liam, vim qee tus neeg tsav tsheb tsuas yog tsis paub lossis tsis nco qab ceeb toom rau kev pov hwmtuam txhab uas lawv muaj cov ntaub ntawv tshiab, yog li cov kev hloov pauv tsis tau ua rau ib qho khoom siv hluav taws xob. Tab sis nws kuj tshwm sim hais tias qhov teeb meem yog tshwm sim los ntawm lub computer tsis ua hauj lwm los yog ib tug banal tib neeg yam, piv txwv li, ib tug IC neeg ua hauj lwm los yog ib tug neeg saib xyuas kev tuav pov hwm tsuas yog ua yuam kev nyob rau hauv lub xeem los yog lub npe. Yog li ntawd, txhua tus neeg uas muaj nws lub tsheb thiab tsis tu ncua mus rau nws yuav tsum paub yuav ua li cas rov qab KBM tom qab hloov txoj cai. Txawm hais tias vim li cas koj thiaj li poob qhov luv nqi, lub algorithm rau kev kho nws yuav zoo ib yam. Ib qho kev zam yog qhov xwm txheej uas lub tuam txhab pov hwm tsis zoo tsis txhob txwm tsis xav muab cov txiaj ntsig rau nws cov neeg siv khoom txhawm rau nce nws cov txiaj ntsig. Nyob rau hauv cov ntaub ntawv no, qhov teeb meem no kuj fixable, tab sis cov kev daws teeb meem yuav txawv. Cov ntsiab lus ntxiv txog lawv txhua tus yuav raug tham hauv qab no.
Rov qab ntawm qhov nyiaj tau los-malus piv
Yog li koj yuav tsum paub dab tsi txog qhov no? Feem ntau yog cov ntaub ntawv thaum cov neeg tsav tsheb pom tias KBM tau ploj mus tom qab hloov txoj cai, yog li peb yuav xyuam xim tshwj xeeb rau qhov teeb meem tshwj xeeb no. Nyob rau tib lub sijhawm, cov neeg tsav tsheb feem ntau xav tias lawv yuav tau ua kom muaj kev sib tsoo tsis muaj kev tsav tsheb txij thaum pib, tab sis nws tuaj yeem rov qab los thiab txuas ntxiv tau txais txiaj ntsig ncaj ncees tsim nyog thaum thov rau kev ua pej xeem tsheb.
Yog tias koj xav hloov koj txoj cai, tom qab tau txais daim ntawv tshiab tam sim ntawd, koj yuav tsum hu rau koj tus neeg tuav pov hwm lub chaw haujlwm thiab sau ib nqe lustus qauv qauv, uas qhia txog hnub tau txais, nrog rau cov koob thiab tus lej ntawm daim ntawv pov thawj qub thiab tshiab. Yog tias koj pom tias qhov luv nqi tau ploj mus thaum lub sijhawm rov ua dua tshiab ntawm OSAGO txoj cai, tom qab ntawd qhov no, thawj qhov uas yuav tsum tau ua yog tsim kom muaj qhov xwm txheej, vim tias tsis muaj nws yuav nyuaj heev kom ua tiav txhua yam.
Xaiv hnub tus nqi txo ploj
Nws tsis yog qhov nyuaj rau rov qab KBM tom qab hloov txoj cai, tab sis rau qhov no koj yuav tsum txiav txim siab lub sijhawm kwv yees thaum nws ploj mus. Txhawm rau ua qhov no, koj tuaj yeem tiv tauj lub koom haum uas koj tau nkag mus rau hauv daim ntawv cog lus pov hwm thiab thov cov ntaub ntawv no los ntawm nws. Raws li txoj cai lij choj, tuam txhab tuav pov hwm tsis muaj txoj cai tsis kam txais kev pabcuam rau cov neeg tsav tsheb, tab sis yog tias qhov no tshwm sim, koj tuaj yeem mus rau lub portal ntawm Lavxias Union of Motor Insurers thiab mus rau ntu uas khaws cov keeb kwm ntawm kev hloov pauv nyiaj- malus coefficient rau txhua tus tsav tsheb. Piv txwv li, yog tias lub Kaum Ib Hlis tas los nws yog 0.8, thiab tom qab tsuas yog ib hlis nws poob rau 0.7, ces nws yog lub sijhawm no tau ua yuam kev, thiab yog li ntawd, koj tuaj yeem yooj yim txiav txim siab seb leej twg yuav liam rau qhov tshwm sim.
Txawm li cas los xij, txhawm rau xa rov qab OSAGO KBM tom qab hloov txoj cai, cov ntaub ntawv no yuav tsis txaus. Koj yuav tsum xa qee cov ntaub ntawv lees paub qhov tseeb tias IC yog tiag tiag los liam rau qhov poob ntawm kev pov hwm luv nqi. Txhawm rau ua qhov no, koj yuav tsum luam tawm cov ntaub ntawv ntawm kev hloov pauv hauv qhov nyiaj ntxiv-malus coefficient thiab nthuav qhia nws rau qhov ua txhaum ntawm qhov teeb meem. Yog koj tsis muaj pov thawj, ces koj yuav tsis tau kev ncaj ncees.ua tiav.
Kua ntaub ntawv
Yog li koj yuav tsum npaj dab tsi? Yog tias koj txaus siab rau cov lus teb rau lo lus nug ntawm yuav ua li cas rov qab KBM tom qab hloov cov cai, ces koj yuav tsum nkag siab tias koj yuav tsum tau tinker me ntsis. Txhawm rau rov qab qhov luv nqi rau qhov loj dhau los, koj yuav tsum tau npaj ib pob ntawm cov ntaub ntawv. Thaum hu rau UK los thov, koj yuav tsum muaj cov hauv qab no nrog koj:
- daim ntawv hla tebchaws pej xeem keeb kwm thiab luam ntawm thawj ob nplooj ntawv;
- daim ntawv tsav tsheb tshiab;
- cov ntawv tuav pov hwm qub uas tau tas sij hawm.
Yog tias koj tsis txuag OSAGO, koj yuav tsum xa cov ntaub ntawv zoo sib xws, raws li lub tuam txhab pov hwm yuav muaj peev xwm ua tau cov kev suav tsim nyog. Qhov no yuav yog daim ntawv pov thawj lees paub qhov xaus ntawm daim ntawv cog lus rau kev tuav pov hwm tsheb.
Action algorithm
Qhov no yuav tsum tau muab tshwj xeeb. Yog li, yuav ua li cas rov qab KBM tom qab hloov txoj cai? Tom qab txheeb xyuas lub koom haum uas ua yuam kev thiab sau tag nrho cov ntaub ntawv tsim nyog, koj tsuas yog yuav tsum tau thov rau kev suav rov qab thiab rov qab kho qhov luv nqi.
Nws yuav tsum muaj cov hauv qab no:
- Cov ntaub ntawv dav dav. Hais rau leej twg thiab los ntawm leej twg qhov kev thov rov hais dua. Cov nqe lus muaj lub npe tag nrho ntawm lub tuam txhab tuav pov hwm, thiab hauv qab no - koj lub xeem, lub npe thiab tus thawj coj, hnub yug thiab chaw nyob ntawm qhov chaw nyob.
- Daim ntawv tso cai tsav tsheb. ATRaws li qhov laj thawj ntawm qhov kev thov rov hais dua, koj yuav tsum tau qhia tias cov cai tau raug hloov pauv thiab koj yuav tsum tau hloov kho cov ntaub ntawv hais txog lawv hauv ib daim ntawv teev npe hluav taws xob. Txawm li cas los xij, koj yuav tsum xa daim ntawv theej ntawm daim ntawv tshiab rau daim ntawv thov.
- Insurance information. Koj yuav tsum sau cov koob thiab tus lej, nrog rau hnub teeb tsa ntawm txhua qhov kev pov hwm uas tsis tau tas sijhawm thaum lub sijhawm thov.
- Nyob hauv qab ntawm daim ntawv yog hnub sau daim ntawv thov thiab kos npe rau tus kheej.
Yog tias koj ua txhua yam yog lawm, rov qab kho KBM tom qab hloov txoj cai yuav tsis siv sijhawm ntau. Txawm li cas los xij, tsis yog txhua lub tuam txhab tuav pov hwm ua tau raws li qhov xav tau ntawm cov neeg siv khoom thiab pab daws qhov teeb meem. Hauv qhov no, koj tuaj yeem mus rau ntau txoj hauv kev radical.
Kev thov rau Central Bank ntawm Lavxias Federation
Lub Tuam Txhab Central ntawm Lavxias Federation tswj hwm cov haujlwm ntawm cov tuam txhab pov hwm thiab txiav txim siab tus nqi tam sim no. Yog li ntawd, yog tias UK tsis kam txiav txim siab koj daim ntawv thov, koj tuaj yeem ua ntawv tsis txaus siab rau nws. Central Bank muaj kev cuam tshuam loj rau cov neeg tuav pov hwm, yog li lawv ntshai heev. Rau kev ua txhaum loj heev, qhov poob ntawm daim ntawv tso cai yuav tsum, yog li ntawd, ntawm qhov tsuas yog hais txog lub hom phiaj los thov rau Central Bank, feem ntau cov tuam txhab tuav pov hwm, raws li txoj cai, ua kev pom zoo nrog rau lawv cov neeg siv khoom. Txawm li cas los xij, nws yog ib qho tseem ceeb kom xav txog ib qho tseem ceeb nuance ntawm no. Tus tswj hwm tab tom tuav cov lus tsis txaus siab rau cov cai uas tas sijhawm tsis pub dhau ib xyoos dhau los.
Thov txim rau Lavxias Union ntawm Kev Pov Hwm Tsav Tsheb
txheej txheem no tshwm sim li cas? Yog tias koj xav tau rov qab KBM tom qab hloovtxoj cai, RSA tej zaum yog ib lub koom haum muaj koob npe tshaj plaws hauv kev lag luam pov hwm Lavxias, muaj peev xwm pab daws teeb meem ntau yam. Qhov tshaj plaws yog tias Central Bank, txawm hais tias nws tswj hwm cov haujlwm ntawm cov tuam txhab pov hwm, txawm li cas los xij tsis muaj txoj cai los hloov kho thiab kho cov ntaub ntawv ib leeg, vim qhov no yog nyob rau hauv kev txiav txim siab ntawm PCA. Ib nplooj ntawv tshwj xeeb tau tsim nyob rau hauv lub koom haum lub vev xaib uas cov pej xeem tuaj yeem sau npe lawv cov lus tsis txaus siab. Koj tseem tuaj yeem rub tawm cov ntaub ntawv tseem ceeb los sau tawm ntawm no.
Action algorithm
Yog tias koj pom tias koj muaj KBM 1 tom qab hloov txoj cai thiab lub tuam txhab pov hwm tsis kam daws qhov teeb meem, ces koj yuav tsum ua ntawv tsis txaus siab rau PCA. Koj tuaj yeem ua qhov no hauv tsev, thiab tag nrho cov txheej txheem yuav siv li hauv qab no:
- download daim ntawv thov thiab sau nws;
- sau daim ntawv nrog tus tuav ntaub ntawv;
- thov rau kev suav rov qab ntawm cov nyiaj npib-malus coefficient.
Tsuas yog tag nrho. Tom qab ntawd, cov neeg ua haujlwm ntawm lub koom haum yuav tshuaj xyuas koj daim ntawv thov. Raws li txoj cai, nws yuav siv sijhawm ib hlis, thiab koj yuav tau txais cov lus teb txog qhov kev txiav txim siab rau e-mail uas tau teev tseg thaum sau npe ntawm lub portal. Feem ntau, qhov teeb meem tuaj yeem daws tau, tab sis yog tias koj tau txais kev tsis lees paub hauv PCA, qhov no yog qhov laj thawj tseem ceeb rau kev hais plaub. Yog tias koj tuaj yeem ua pov thawj koj cov ntaub ntawv hauv tsev hais plaub thiab yeej, tom qab ntawd lub tuam txhab pov hwm uas ua yuam kev yuav tsis tsuas yog yuam kom ua txhua yam tsim nyog hloov pauv rau ib qho khoom siv hluav taws xob nkaus xwb, tab sis kujyuav them rov qab rau koj.
Cov ntaub ntawv twg kuv yuav tsum xa thaum ua ntawv tsis txaus siab?
Restoring KBM tom qab hloov txoj cai los ntawm PCA tsis yog qhov nyuaj thiab, raws li ntau tus neeg tsav tsheb hais, sai heev. Feem ntau, cov neeg tsav tsheb tswj xyuas kom ua tiav qhov txiaj ntsig zoo thiab lawv tau rov qab tau txais cov luv nqi zoo rau qhov tsis muaj kev sib tsoo ntawm txoj kev. Tab sis txhawm rau kom koj qhov kev tsis txaus siab tau sau npe, cov ntaub ntawv hauv qab no yuav tsum tau txuas nrog rau daim ntawv thov:
- thawj daim ntawv pov hwm tam sim no thiab qub;
- daim ntawv lees paub qhov tsis muaj kev sib tsoo rau ib lub sijhawm;
- daim daim ntawv tsav tsheb tshiab;
- kev pov hwm rau ntau tus neeg.
Cov ntaub ntawv yog tus qauv zoo thiab yuav tsis siv sijhawm ntau los npaj.
Zaj lus
Qhov nyiaj ntxiv-malus piv yog qhov tsim nyog uas muab sijhawm rau koj kom txuag tau ntau ntawm koj daim ntawv pov hwm tsheb. Yog li ntawd, yog tias koj mam li nco dheev pom tias nws tsis nyob ntawd, ces koj yuav tsum hu rau koj tus neeg tuav pov hwm rau kev sim. Txoj kev txo nqi rov qab nws tus kheej yog qhov yooj yim heev thiab tsis siv sijhawm ntau, tab sis nws tseem ceeb heev uas yuav tsum ua txhua yam raws sijhawm. Yog li ntawd, tsis txhob ncua qhov teeb meem mus ib txhis, tab sis tam sim ntawd pib daws nws.
Pom zoo:
Yuav ua li cas kom tau txais cov nyiaj se rov qab? Kev daws teeb meem lossis cov nyiaj rov qab ntawm kev them nyiaj ntau dhau. tsab ntawv them se rov qab
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