摘要：Motivation. This paper takes a multi-faceted approach to quantifying the significance of data quality issues
for property/casualty actuaries, addressing both the prevalence of data quality issues across areas of practice
and the significance of those issues. The conclusion gives some guidance to improve data quality.
Method. This paper
. describes some actual data quality disasters in non-insurance and insurance businesses;
. presents the results of a data quality survey of practicing actuaries in the United States, Canada, Great
Britain and Bermuda;
. presents the results of a data quality experiment where data was altered to change its quality and the
effect on analyses using the data was quantified; and
. provides advice on what can be done to improve the state of data quality, including introducing some
freeware that can be used to screen data.
Results. Both the survey results and the data quality experiment suggest that data quality issues affect
the accuracy and increases the uncertainty associated with actuarial estimates
Conclusions. Data quality issues significantly impact the work of property/casualty insurance actuaries;
and such issues could have a material impact on the results of property/casualty insurance companies.
关键词：Data, data quality, reserve variability, exploratory data analysis, data diagnostics
