风险均衡理论视角下车险损失率的控制——来自台湾地区的经验证据

On the Control of Loss Ratio for Auto Insurance from the Perspective of Risk Homeostasis Theory:Empirical Evidence from Taiwan

风险均衡理论近年来被广泛应用于汽车驾驶人的行为研究,因此,车险损失率与驾驶人开快慢车的决策心理间的关联是行为保险学中的重要议题。运用问卷调查研究方法对驾驶人决策心理的影响因素进行研究,结果显示:驾驶人的年龄及驾龄与开快慢车的决策心理间有极大关联。

Risk homeostasis theory is applied in the study of auto driver's behavior.Therefore,the correlation between loss ratio of auto insurance and the driver's decision-making is an important issue to behavioral insurance.By use of the questionnaire,we find a significant correlation between the age and the driving experience and the decision-making.