Suchergebnisse

Com as mudanças nos padrões de risco, novos produtos de seguros são disponibilizados no mercado, atendendo as demandas do consumidor. Consequentemente, os modelos de precificação são reestruturados de modo a gerenciar os níveis de risco e estabelecer prêmios que mantenham o bem estar atuarial, alocando apólices em carteiras através de modelos de classificação e clusterização. Este trabalho analisou o desempenho dos modelos logístico e Random forests na classificação de ocorrências de sinistros do tipo colisão por perda total no sul de Minas Gerais utilizando amostras de treino originais e artificiais via método de reamostragem ROSE. Considera-se a perda total de um veículo quando os custos de reparos do sinistro de um mesmo evento superarem um percentual estabelecido contratualmente. Como resultado, obteve-se que os modelos com amostra artificial apresentaram resultados de acurácia superiores aos demais, indicando a melhoria nas taxas de acurácia através de métodos de reamostragem durante o treino.

Abstract The importance of segment of flowers and ornamental plants in agribusiness are growing. Researches that analyze the situation of different sector of this segment may contribute to establishing politics and actions to stimulate its development. In order to attend this purpose, the aim of this research was to analyze segments of the flower and ornamental plant production chain, focusing on producers and retailers. For that, two different surveys were applied, composed of direct and indirect questions. The application was performed online, using social media or in person, in the company location or in trend fairs. It was observed that the flower and ornamental plant production is mainly a familiar business. Another important issue is that the springtime consists of a new date for flower and ornamental plant commercialization. The number of retailers has been increasing, and this segment had some improvements as sales of different products and services. The flower and ornamental plant commercialization are still, in the majority, in physical location shops, besides of all the technologies available for online sales.