建筑工程一切险的分类费率模型应用研究

Research of the Classified Premium Rate Model Application for Construction All Risks

研究合理的建筑工程一切险(Construction All Risks,CAR)的保险费率厘定方法,对减少其随意性和不确定性及在我国推广普及这一险种,具有重要的现实意义。于是建立了基于风险分析的CAR分类费率计算模型,即以"适用费率=基本费率×调整系数"为费率的基本计算公式,并构建基本费率和调整系数的影响因素表,以分类方式计算保险费率,为CAR保险费率的确定提供了新的思路。

Determination of the premium rate is of great importance for promoting Construction All Risks （CAR） in China. On the basis of risk analysis theory, the paper establishes a calculation model with the consideration of adjustments to the basic premium rate, that is Premium Rate= Basic Premium RatexAdjusting Coefficient. Impact factors of the basic rates and the adjusting coefficients are proposed in this paper. This study provides a new method to calculate the premium rate of the CAR.