Research on Catastrophe Insurance Based on Multi-layer Analysis

In recent years, extreme weather events have occurred frequently around the world, which has caused the insurance industry to face the dual dilemma of insurance company profitability and customer affordability. Therefore, a risk assessment and management model should be developed to adapt to the current new climate reality, and a PD model should be established, combined with analytic hierarchy process and weighted average model. The combined weights of each index were calculated, and the PD risk index was obtained by using the TOPSIS evaluation method. Considering the influence of owners on insurance income, the index factor of owner's age structure α and the owner's awareness factor of prevention β are introduced to optimize the calculation formula of the loss ratio, and the solution model of catastrophe insurance income evaluation index V is obtained. According to the comparison between the evaluation area and the reference area V, the data envelopment evaluation of the 10 regions that the real estate company intends to α and β achieve is judged to determine whether the best input-output ratio is achieved. Finally, according to the optimal target value θ, 10 regions are graded, and the real estate investment policies of each level are given.