| 我国现行机动车商业保险奖惩系统评价 |
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| 引用本文： | 孙佳美,肖书楷.我国现行机动车商业保险奖惩系统评价[J].保险研究,2010(1). |
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| 作者姓名： | 孙佳美 肖书楷 |
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| 作者单位： | 南开大学,天津,300071;南开大学,天津,300071 |
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| 摘 要： | 机动车辆保险奖惩系统是区别不同投保人风险状况的一种方法,这种方法对高风险驾驶员予以惩罚,对低风险驾驶员予以奖励,鼓励司机安全驾驶,使投保人所支付的保费与其风险大小成比例。目前世界上绝大多数的保险公司都在车险中实行了奖惩制度,而且各有不同。本文对各国机动车辆保险的奖惩系统进行研究和比较,然后利用如下指标:稳定状态下的平均保费水平、相对稳定平均水平(RSAL)、对新司机的隐性惩罚(ECL)、变异系数ξ、弹性η(λ)和风险区分度,对我国现行的机动车商业保险奖惩系统进行了实证分析,最后在分析结果的基础上,提出了改进我国现行机动车商业保险奖惩系统的建议。
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| 关 键 词： | 机动车商业保险 奖惩系统 惩罚严厉性指数 数据共享公共机构 |
The evaluation of bonus-malus system of current motor vehicle insurance |
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| Sun Jia-mei,Xiao Shu-kai.The evaluation of bonus-malus system of current motor vehicle insurance[J].Insurance Studies,2010(1). |
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| Authors: | Sun Jia-mei Xiao Shu-kai |
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| Abstract: | Bonus-malus system(BMS) in motor vehicle insurance is a method to distinguish different insured risks. The premium paid by the insured is proportional to their driving risks. It punishes high risk drivers and rewards low risk ones, so that safe driving can be encouraged. Most of the insurance companies worldwide conduct the BMS in their auto insurance business. This paper does research and comparison of BMS of various countries, and analyzes the BMS of current commercial motor vehicle insurance in China by ... |
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