机动车辆保险奖惩系统的研究

发布时间：2017-12-31 02:13

本文关键词：机动车辆保险奖惩系统的研究　出处：《沈阳航空航天大学》2013年硕士论文　论文类型：学位论文

【摘要】：随着机动车辆的增多，交通安全越来越成为人们高度关注的公众安全问题。正因为如此，机动车辆保险得到了飞快的发展，在我国机动车辆保险甚至可以堪称为众多险种中的“龙头险”，自然也得到各家保险公司和保监会的高度重视。为了更好的运营机动车辆保险，建立合理、规范的市场竞争、发展机制，费率改革的议题一再被提出。奖惩系统作为费率改革的重要变革之处值得人们不断深入的去研究。本文围绕奖惩系统的理论构建、设计以及分析做了以下的工作：首先，从奖惩系统的构建理论出发。基于前人的研究成果，引进新的风险度量指标——风险价值指标，并提出风险价值保费定价模型，利用新的量化指标描述了风险保费。同时从保费定价模型必备的四项特征出发对其进行了充分的验证。紧接着，假设索赔额与索赔次数分布服从某种分布并两者分布相互独立，利用风险价值保费定价模型，通过理论推导建立新奖惩系统的构建模型。其次，针对已有的观察数据，利用假设检验方法验证、分析其风险分布，并假设该数据能够充分反映机动车辆保险市场的现实情况。同时结合数值模拟的方法，对新奖惩系统构建模型进行数值算例研究，，从而到一个新奖惩系统，再针对其稳定性与严厉性做具体分析。最后，将新建立的奖惩系统与国内北京、深圳现行的奖惩系统在稳定性和严厉性上做了详细的比较与分析。通过以上工作，对奖惩系统的理论研究提出新的想法，并对我国机动车辆保险奖惩系统的发展现状做了综合的分析与讨论，并从实际出发构建一新的奖惩系统，对奖惩系统的未来研究提出一些建议，其结果具有一定的实用价值。
[Abstract]:With the increase of motor vehicles, traffic safety has become a highly concerned public safety issue. Because of this, motor vehicle insurance has been rapidly developed. In our country, motor vehicle insurance can even be called "leading insurance" among many kinds of insurance, and naturally it is highly valued by insurance companies and CIRC. In order to better operate motor vehicle insurance, it is reasonable to establish. Standardized market competition, development mechanism, rate reform issues have been repeatedly proposed. As an important reform of the rate reform, the system of rewards and punishments is worth studying. This paper focuses on the theoretical construction of reward and punishment system. Design and analysis of the following work: First of all, based on the previous research results, we introduce a new risk measurement index, risk value index, and put forward the premium pricing model of risk value. A new quantitative index is used to describe the risk premium. At the same time, it is fully verified from the four essential features of the premium pricing model. Assuming that the amount of claim and the number of claims distributed from a certain distribution and the distribution of the two independent, using the risk value premium pricing model, through theoretical derivation to establish a new reward and punishment system construction model. Secondly. According to the existing observation data, the hypothesis test method is used to verify and analyze the risk distribution, and it is assumed that the data can fully reflect the actual situation of the motor vehicle insurance market. At the same time, the method of numerical simulation is used. A numerical example of the new reward and punishment system model is studied, and then a new reward and punishment system is analyzed. Finally, the newly established reward and punishment system is combined with the domestic Beijing. Shenzhen's current reward and punishment system in the stability and severity of a detailed comparison and analysis. Through the above work, this paper puts forward a new idea on the theoretical research of the reward and punishment system, and makes a comprehensive analysis and discussion on the development situation of the motor vehicle insurance reward and punishment system in our country. A new system of reward and punishment is constructed from the actual situation, and some suggestions are put forward for the future study of the system. The results are of certain practical value.
【学位授予单位】：沈阳航空航天大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：O211.67;F842.6;F224

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