交强险保费的公平性与保险公司的市场竞争
发布时间：2018-10-24 11:32
【摘要】：基于2009-2011年保险公司在各个地区经营交强险业务的实际数据,本文分析了当前的交强险保费水平在不同业务类型和不同地区之间存在的不公平性问题。通过赔付率和费用率的相关性分析,揭示了交强险费用率的异常变化和可能受到的人为干预。定义和计算了交强险的业务结构因子、地区分布因子、固定业务结构的风险选择因子和固定地区分布的风险选择因子,对保险公司在交强险市场上的竞争能力和风险选择能力进行了比较分析。最后通过建立赔付率和费用率的广义线性模型,发现保险公司降低交强险赔付率最为有效的途径是提高它在各个地区的风险选择能力,其次是增加在低风险地区的经营网点。
[Abstract]:Based on the actual data of insurance companies operating in various regions in 2009-2011, this paper analyzes the unfairness of the current premium level of traffic insurance in different business types and different regions. Through the analysis of the correlation between the compensation rate and the cost rate, the abnormal changes of the cost rate of traffic insurance and the possible human intervention are revealed. The business structure factor, regional distribution factor, risk selection factor of fixed business structure and risk selection factor of fixed area distribution are defined and calculated. This paper compares the competitive ability and risk selection ability of insurance companies in the traffic insurance market. Finally, by establishing a generalized linear model of compensation rate and cost rate, it is found that the most effective way for insurance companies to reduce the loss rate of traffic strong insurance is to improve their risk selection ability in each region, and then to increase the operating network in low-risk areas.
【作者单位】： 中国人民大学应用统计科学研究中心;中国人民大学统计学院;
【基金】：教育部重点研究基地重大项目“随机效应模型及其在非寿险风险管理中的应用”(12JJD790025) 国家自然科学基金项目“考虑风险相依的非寿险精算模型研究”(71171193)资助
【分类号】：F842
[Abstract]:Based on the actual data of insurance companies operating in various regions in 2009-2011, this paper analyzes the unfairness of the current premium level of traffic insurance in different business types and different regions. Through the analysis of the correlation between the compensation rate and the cost rate, the abnormal changes of the cost rate of traffic insurance and the possible human intervention are revealed. The business structure factor, regional distribution factor, risk selection factor of fixed business structure and risk selection factor of fixed area distribution are defined and calculated. This paper compares the competitive ability and risk selection ability of insurance companies in the traffic insurance market. Finally, by establishing a generalized linear model of compensation rate and cost rate, it is found that the most effective way for insurance companies to reduce the loss rate of traffic strong insurance is to improve their risk selection ability in each region, and then to increase the operating network in low-risk areas.
【作者单位】： 中国人民大学应用统计科学研究中心;中国人民大学统计学院;
【基金】：教育部重点研究基地重大项目“随机效应模型及其在非寿险风险管理中的应用”(12JJD790025) 国家自然科学基金项目“考虑风险相依的非寿险精算模型研究”(71171193)资助
【分类号】：F842
【参考文献】
相关期刊论文 前2条
1 孟生旺;;交强险的经营结果和费率结构分析[J];统计研究;2008年04期
2 孟生旺;李v，
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