国外车险里程定价理论与实践

基于里程定价的车险产品不但可以通过合理反映被保险人的保险成本以体现保费收取的公平性,而且一定程度上具有有效缓解交通堵塞、降低能源消耗、减少环境污染和温室气体排放等综合社会效益,目前已成为欧美发达国家车险市场上一款流行的产品。在系统梳理和总结国外车险按里程定价的理论与实践的基础上,对其进行了效益分析,并对实施中可能存在的问题进行了深入探讨,将为我国车险市场改革和产品结构升级提供启示,也为我国财险公司开发按里程定价的车险产品提供有益的理论支持和实践参考,以更加有利于我国车险费率市场化和非寿险公司的科学经营。

On the Theory and Practice of Overseas Mileage-based Pricing of Vehicle Insurance and Its Enlightenment for Chinese Insurers

Mileage-based pricing of vehicle insurance product not only demonstrates the fairness of premium charged by reasonably reflecting the insured′s insurance cost,but also can,to some extent,alleviate the traffic congestion effectively,reduce energy consumption,reduce environmental pollution and greenhouse gas emissions,and other social benefits.At present,it has become a popular product in vehicle insurance market of European and American developed countries.The paper collated and summarized the theory and practice of mileage-based pricing of overseas vehicle insurance completely,upon which its benefit analysis and existing problems in implementation were also investigated and discussed.These studies would provide an inspiration for China′s vehicle insurance market reform and upgrade of product structure.It also had an important theoretical foundation and practical reference for mileage-based product pricing to be introduced and developed in China′s vehicle insurance,therefore would be more conducive to the market-oriented vehicle insurance rates and scientific management of non-life insurance insurers in China.