Risk decision analysis of commercial insurance based on neural network algorithm

To improve the effect of commercial insurance risk decision, this paper applies neural network algorithms to commercial insurance risk decision under the guidance of machine learning ideas, and selects the neural network algorithm based on the actual situation. Moreover, this paper analyzes the nature of risks of commercial insurance, analyzes the types of risks and risk relevance, constructs a commercial insurance risk decision model based on neural network algorithms, and determines the system process. In addition, this paper uses a combination method of qualitative and quantitative to identify the influencing factors of risk estimation to obtain relevant influencing factors, and verify the model proposed in this paper in combination with experimental research. From the experimental research results, it can be seen that the commercial insurance risk decision system based on neural network algorithm is very good in terms of decision effect.