公路货物运输保险的费率和准备金计算问题研究

发布时间：2018-02-25 20:32

本文关键词： 公路货物运输保险费率厘定准备金评估　出处：《吉林大学》2017年硕士论文　论文类型：学位论文

【摘要】：中国公路货运保险面临竞争形势日益严峻、业务发展处于瓶颈阶段、公路货运险费率不明晰、公路保费严重流失、再保能力有限等若干问题。货物运输保险作为当前运输业中至关重要的一项保险业务,其承保流程需要被保险人深入了解,而费率和赔款准备金的计算也需要保险人精确掌握。论文结合太平洋财产保险公司的实践,针对公路货物运输保险的费率和准备金计算问题进行了深入研究,具有现实意义。首先,论文系统梳理了“完整服务期”内公路货物运输保险服务四个主要服务环节,即承保风险评估、相关方的责任认定、理赔管理流程以及理赔流程监控系统。然后,结合实际算例,重点围绕公路货运保险费率的计算、精算与风险监控问题,分析了公路货运保险费率面临的问题与挑战,给出了公路货运险费率的计算流程和计算GLM模型,进行保险费率调整和承保费率方案确定。同时,界定了赔款准备金的周期的概念,梳理了现金流过程和赔案发展过程,结合流量三角形,提出了计算赔款准备金的数学模型,给出了未赔款责任准备金和保费责任准备金评估方法。计算结果表明,流量三角形计算正确,结构相对可靠,计算结果符合运输人员对相应保险的期待。
[Abstract]:China's road freight insurance is facing increasingly severe competition, business development is at the bottleneck stage, the road freight insurance rate is not clear, and road insurance premiums are seriously lost. Some problems such as limited reinsurance capacity. As a vital insurance business in the current transportation industry, cargo transport insurance needs to be thoroughly understood by the insured. The calculation of the rate and compensation reserve also needs the insurer to master accurately. This paper, combined with the practice of Pacific property Insurance Company, makes a deep study on the calculation of the rate and reserve for road cargo insurance. First of all, the thesis systematically combs the four main service links of the road cargo transportation insurance service in the "complete service period", namely underwriting risk assessment, the responsibility of the relevant parties, Then, combined with practical examples, focusing on the calculation of road freight insurance rate, actuarial and risk monitoring problems, the paper analyzes the problems and challenges faced by road freight insurance rate. This paper gives the calculation flow and GLM model of the road freight insurance rate, adjusts the insurance rate and determines the underwriting rate scheme. At the same time, it defines the concept of the period of compensation reserve, combs the cash flow process and the development process of the indemnity case. Combined with the flow triangle, the mathematical model of calculating the compensation reserve is put forward, and the evaluation method of the uncompensated liability reserve and the premium liability reserve is given. The calculation results show that the flow triangle calculation is correct and the structure is relatively reliable. The calculation results are in line with the expectation of the transportation personnel for the corresponding insurance.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F542;F259.2;F842.632;F840.4

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