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1.
2015年我国商业车险费率市场化改革试点实施后,媒体对新车险的奖惩系统进行了大肆渲染,一方面强调大多数投保人的应缴保费将会下降,另一方面也指出出险次数多的高风险投保人将会受到"严惩"。从平均保费水平、惩罚严厉性指数、风险区分度和弹性等四个方面对2015版的车险奖惩系统进行了精算度量,并将其与2007版的奖惩系统进行了对比分析,一方面从精算学的角度对媒体的宣传报道进行了实证检验,另一方面指出了2015版奖惩系统增加了风险区分度、提高了效率,同时也加重了对高级别保单持有人的过度惩罚。  相似文献   

2.
方遴 《上海保险》2008,(2):28-31
一、保险公司承保无保险利益合同,事故发生后能否拒赔? 机动车所有人甲将其所有的机动车挂靠在运输公司乙名下。乙向甲收取管理费,并为甲的车辆代为办理机动车第三者责任保险,保险费由甲自己承担。但为了减少保费支出,乙与运输公司丙协商,由丙以投保人及被保险人的身份向某财产保险公司投保机动车车损险及第三者责任保险。2005年10月,甲驾驶投保车辆与丁相撞。交警部门责任认定,双方同责。丁向法院起诉,要求机动车所有人兼驾驶员甲、运输公司乙及保险公司共同承担赔偿责任(如右图)。保险公司以保险合同的投保人运输公司丙为案外人,且丙对该机动车辆不具有保险利益为由,主张保险合同无效,拒绝承担保险责任。  相似文献   

3.
在全球保险费率市场化大背景下,随着保险费率监管的不断放松,各国实力雄厚的大保险公司迫于市场竞争的压力,纷纷开始制定适合本公司特点的费率系统。保险公司理想的费率厘定模型是在不同类别保单持有人之间能够公平地分配保险风险损失,实现对投保人收取与之风险状况相一致的风险保费的最终目标。由于不同的损失函数能够对保费厘定系统中的奖惩机制进行不同的调节,从而可以较好地实现投保人之间保费的公平分担问题。因此,在费率厘定系统的构建过程中,损失函数的选择处于至关重要的一环。  相似文献   

4.
BMS系统根据投保人的历史索赔记录来确定保费,在完全弹性条件下,它既是公平的费率系统也是减轻逆向选择的重要措施。本文在投保人期望效用最大化过程中,研究了投保人的保险最优购买量、保险成为劣等品的临界条件,以及低弹性保险成为吉芬品的临界条件,并且把研究的结果用于检验我国2007年新版BMS对逆向选择的影响,结果表明低弹性的BMS系统不仅减少好司机的保险需求而且加大了逆向选择。  相似文献   

5.
一、我国机动车辆保险的发展现状及存在的问题 机动车辆保险是目前我国财产保险中举足轻重的险种,我国自1980年恢复办理国内保险业务,企业财产保险一直是核心险种,直到1987年机动车辆保险保费收入首次超过企业财产保险,成为财产保险中最大的险种,其后保费收入逐步增加,近年机动车辆保险保费总收入占财产保险保费总收入的比例一直在60%左右.我国汽车工业的高速发展、国民收入的大幅度提高以及人们消费观念的转变是机动车辆保险迅速发展的主要推动力.机动车辆保险作为现代社会处理风险的重要手段,为保障经济补偿、稳定社会经济发展发挥了积极的作用,成为经济社会中不可缺少的风险管理手段.  相似文献   

6.
商业健康保险的道德风险商业健康保险是投保人与保险人双方在自愿的基础上订立合同,当出现合同中约定的保险事故,由保险人履行补偿责任的一种保险。包括疾病保险、医疗(费用)保险和收入保险三大类。商业保险的一个显著特征是其补偿性质,而大多数被保险人却疏忽了这一点,认为商业保险与社会保险一样,只要因健康问题发生诊疗费用就可以获得赔付。对商业保险的错误认识,无疑加大了引发道德风险的确可能性。所谓健康保险的道德风险,是指投保人、被保险人、受益人或其他有关人员以不实行为故意使风险事故发生,以致造成损失结果或扩大损失程度,从…  相似文献   

7.
郑苏晋  姚丹 《保险研究》2015,(8):98-108
1991年大连推出了中国首份环境污染责任险保单,但由于赔付率低等问题销量逐步萎缩,以至退出市场。近年来环境污染事故频发、污染赔偿问题突出促使环污责任险试点工作于2008年再次启动。试点至今,高费率成为限制环污责任险发展的重要因素。为了缓解这一状况,国内部分保险公司引入了费率奖惩系统,分别基于索赔频率和赔付率。论文选取“稳态相对平均保费水平”、“保费变异系数”、“系统弹性”和“对新投保人的隐性惩罚”四个指标比较实务中存在的两类费率奖惩体系。研究结果表明基于赔付率的奖惩系统对风险的区分度更强,建议保险公司在环责险中引入基于赔付率的费率奖惩系统,谨慎设定费率最低折扣,并把环保检查、经验赔付率纳入费率奖惩系统。  相似文献   

8.
保费收入确认和计量问题的研究   总被引:2,自引:0,他引:2  
一、保费收入的定义和内涵保费收入是保险公司为履行保险合同而向投保人收取的对价收入。其内涵主要有两个方面, 一方面:保费收入是投保人将风险转嫁给保险公司所需支付的对价,也是保险大数法则中投保人为形成共同风险保障而分摊的资金;另一方面:保费收入是保险公司最主要的收入来源是支付投保人、被保险人和受益人赔款与给付的最主要资金来源,也是保险公司投资收入的本金。  相似文献   

9.
税收优惠制度对商业健康保险需求的影响   总被引:2,自引:0,他引:2  
本文研究了美国投保人享有的税收补贴,并提出符合中国国情、有助于提高商业保险有效需求的税收优惠制度思路:1)团体健康保险中,雇主承担的保费部分税前列支,雇员承担的部分暂时不享受补贴;2)以所得税退税方式,鼓励个人参加团体健康保险;3)税收政策向护理保险和失能收入损失险倾斜;4)通过税收杠杆维护老龄人口的健康权。  相似文献   

10.
易萍 《保险研究》2013,(12):6-6
《侵权责任法》的颁布实施使得一般侵权连带责任的适用范围有所变小,因此多车肇事时连带责任的认定也呈现严格趋势。我国现行《机动车商业保险行业条款》第23条并未将连带责任置于承保范围之内,这一条款约定既不宜于被保险人转移保险风险,也未对事故受害人构成完善保障,同时也不符合其他国家和地区保险行业的基本惯例,应当予以删除。  相似文献   

11.
李文中 《保险研究》2011,(10):90-97
先根据合同相对性原理对机动车第三者责任保险中的“第三者”作出一般性解释,然后介绍我国机动车第三者责任保险对“第三者”外延的界定,再对相关界定作进一步的分析和评价,认为根据我国当前的相关立法环境可以将机动车第三者责任保险的被保险人调整为车辆实际使用人;被保险人不应该是机动车第三者责任保险中的“第三者”;从事驾驶工作的雇用...  相似文献   

12.
财产保险公司作为经营财产风险的微观经济实体,不仅要承担和转化被保险人的风险,同时还需要防范和化解自身风险。作为保险公司风险的承载体——保险产品,则成为其风险管理的出发点和立足点。目前我国财产保险公司的风险管理比较浅显,仅仅停留在承保前对保险标的风险和以往事故的简单分析层面上,并没有从保险产品的全寿命周期角度进行风险管理。本文基于产品全寿命周期思想,以财产保险产品为研究点,在分析我国财产保险业发展阶段的基础上,结合经济起飞理论,验证全寿命周期思想对于财产保险产品风险管理的重要作用。  相似文献   

13.
The amendment of the German Act on Insurance Contracts comprises a number of substantial modifications regarding liability insurance. The most important modification is the introduction of a direct claim against the insurer with regard to all compulsory insurances. Such a direct claim is up to now only known from the motor vehicle liability insurance. Yet, a direct claim will be advantageous for the aggrieved claimant only if he manages to identify the proper insurer. As a result of the structural differences to the motor vehicle liability insurance the act of identifying the insurer is almost utterly impossible for the claimant without any help by the insured. Thus the claimant must also be given a claim against the insured to be furnished with all necessary information regarding the insurer. This right originates from sec. 242 of the German Civil Code.  相似文献   

14.
高风险车辆赔付率的高低对机动车保险业务的经营效益有极大的影响,是保险公司风险管理的重点。按照风险管理的基本原理,保险公司应从风险规避、风险转移和风险控制三个方面着手,采取适当措施,加强对高风险车辆的风险管理,降低赔付率,保证业务的稳定性。不仅如此,由于风险具有可变性,实施风险管理不能一成不变,必须根据风险变化的情形随时加以调整和修改,按照科学的程序进行。  相似文献   

15.
This study measures the deposit insurance premium under stochastic interest rates for Taiwan's banks by applying the two-step maximum likelihood estimation method. The estimation results suggest that the current premiums—charging 5, 5.5, and 6 basis points per dollar of insured deposits—are too low, but largely reflect the rank orders of the risks of the insured banks. Moreover, the regression results indicate that asset volatility dominates bank size in determining the insurance premium. When the volatility risk is decomposed into two parts, credit risk significantly dominates interest-rate risk. An examination of bank characteristics indicates that privately owned old banks are more likely to have lower levels of credit risk, asset volatility, and deposit insurance premiums than state-owned banks and newly chartered banks.  相似文献   

16.
Finite risk reinsurance has become the subject of investigations, litigation, and possibly new regulation. This article provides an overview of finite risk solutions and products, describing their main features and their legitimate role in helping (mainly) industrial companies manage timing, funding, and insurance risks.
Finite risk solutions generally take the form of structured insurance products designed to help companies manage risks often regarded as exotic or "tail" risks, such as environmental or asbestos liability. Although such products are underwritten by insurance or reinsurance companies, they typically involve limited risk transfer (hence the name "finite risk") while providing the insured companies with a means of pre-funding their expected losses, or what is often called "pre-loss financing." Of course, companies could choose to self-insure such risks by establishing a reserve for future losses. But finite risk provides a more credible and transparent alternative—one that reassures investors both by capping the liability and eliminating the possibility for manipulation of reserves.
Abuses of finite risk products usually concern the degree to which transactions are accounted for, disclosed, and represented to investors as achieving "significant risk transfer" when there is little or no such transfer. In the authors' words, "Users of finite should ask themselves whether the transaction helps the financial statements clearly represent the true economic income and risks of the business and, if not, then consider not doing the deal."  相似文献   

17.
Insurers offering health-related services as accident insurance, health insurance coverage or nursing insurance for instance have a legitimate interest in reducing costs of ill insured. Information about health-conscious behavior and health risks provided by advertisement may contribute this impact. In an experimental study, we analyze the effect of credibility of advertisement and independent third-party trustmark on health risk perception and health behavior intentions. Results demonstrate significant influence of credibility of advertisement on health risk perception and higher credibility for advertisement with independent trustmark. Furthermore, higher health risk perception conducts to healthier behavior intentions.  相似文献   

18.
This paper analyzes innovative approaches to the pricing of German motor insurance. The aim is to calculate premiums more fairly in terms of consumer protection. Furthermore we aim to achieve a better level of coverage from the insurer’s point of view. This is to be achieved through reduction of information asymmetries by collecting data respective the driver, the driving behavior and the use of vehicle as well as through optimization of claims management. There are trade-offs between the feasibilities of our different approaches, their respective benefits for calculation and data privacy. The analysis focuses on including telemetry data such as speed, acceleration as well as the used road type in the tariff calculation. Different driving profiles can be identified, which allows for determining probabilities of risk depending on driving behavior by taking into account the accident statistics. Profile-certified risk-probabilities in turn are the basis for greater tariff differentiation.  相似文献   

19.
Small employers that offer health insurance have usually offered fully insured products through traditional health plans. Recently, the Patient Protection and Affordable Care Act (ACA) has created new requirements for fully insured products that will entice more small firms to fund their own health‐care benefits. However, self‐funding poses significant risks to these small firms, their employees, and state exchanges. To mitigate some of these risks within current political realities, we recommend advance disclosures—to small firms of material changes in their stop‐loss policies, and to their employees that premium subsidies are available only on ACA exchanges. We also suggest strengthening Small Business Health Options Program exchanges by broadening the availability of subsidies and building partnerships with brokers. Finally, we recommend an expanded role for brokers and third‐party administrators in helping small firms improve their choice of health‐care insurance.  相似文献   

20.
We analyse how the welfare state, i.e., social insurance that works through redistributive taxation, should respond to increases in risks and to increases in the cost of operating the welfare state. With respect to risks, we distinguish between risks that can be insured and such that cannot (background risks). Insurable risks can be reduced by costly individual self-insurance and by costly social insurance. We show: (i) Self-insurance will be higher the more costly is the welfare state and the larger are background or insured risks. (ii) Full social insurance can only be optimal in a costless welfare state. (iii) The optimal welfare state is not necessarily larger the less costly it is. (iv) The welfare state need not optimally expand when risks increase that it insures. (v) It should, however, expand when risks increase that it does not insure.  相似文献   

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