| 论市场因素对保险产品定价的影响 |
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| 引用本文： | 王海艳.论市场因素对保险产品定价的影响[J].商业研究,2003(15):7-8. |
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| 作者姓名： | 王海艳 |
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| 作者单位： | 同济大学,经济与管理学院,上海,200092 |
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| 摘 要： | 基于精算技术的保费厘定实际上是用一种成本定价方法,未考虑市场因素对价格的影响。即单个投保人之间对保险产品价格变化的容忍程度、价格空间的大小变化对顾客需求的影响以及不同组群的潜在投保人的需求差别。分析市场因素对保险产品定价的影响,保险产品差别定价的策略是保险业产品定价之良策。而保险业只有精算技术与市场分析结合起来才能挖掘保险产品深层次的潜力。
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| 关 键 词： | 保险 差别定价 市场因素 精算 |
| 文章编号： | 1001-148x(2003)15-0007-02 |
| 修稿时间： | 2002年8月22日 |
The Market Influence Upon the Pricing of Insurance Products |
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| Abstract: | The pricing technique based on actuary is, in fact, a method of pricing according to the cost, ie. the difference of tolerance among individual policy-holders, the influencecaused by the change of price space upon customer demand, the difference of demand among different groups of potential policy-holders, without considering the influence on price owing to market factors. To analyze the influence and discrimination price strategy for insurance product is a good way for pricing. However, only pricing technique combined with market can insurance industry find greater potential of insurance products. |
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| Keywords: | insurance discrimination pricing market factors actuary pricing technique |
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