核电站财产损失险定价模式分析

An Analysis on the Pricing Model for Property Damage Insurance for Nuclear Power Station

定价是核保险中的核心问题。核电站财产损失险定价的原理包括:核电站危险单位的划分,核电站财产损失险理论费率的确定,核电站财产损失险实际费率的确定。根据纯费率确定方法的不同,核电站财产损失险分为三类定价模式:即关键风险因素定价模式、区位划分定价模式与分段定价模式。要准确科学地对核电站财产损失险进行定价,必须要有健全完善的核保险风险数据库,必须要有较强的风险检验能力,必须灵活运用核保险定价方法与综合考虑定价因素。

Pricing is the key issues in nuclear power station insurance. The principals of nuclear material damage insurance including, the risk unit of nuclear power station, determination of theoretical rates and determination of real premium rates. According to the difference of net premium rates, pricing models of nuclear material damage insurance are divided into three types： key risk factor pricing model, regional division pricing model, period pricing model. To scientifically and accurately pricing of nuclear material damage insurance, we must have a sound database of nuclear insurance risk, high ability of risk inspection, flexible use nuclear insurance pricing methods and make a full consideration of all relevant pricing factors.