我国保险保障基金风险费率模拟分析

A simulation of insurance guarantee fund rates in China Under RRM

常用的保险保障基金征收方法分为平均比率费率法和风险费率法。与国际上大多数国家一样,我国保险保障基金目前采用平均比率费率法。平均比率费率法不与保险公司自身的风险挂钩,不会因为其冒险行为而收取更高费率;而风险费率法则是保险公司风险程度与其所交的保险保障基金费率呈正比。本文对我国25家财险公司和25家寿险公司进行风险等级分类,对我国保险保障基金风险费率进行模拟分析,提出了我国保险保障基金宜采用风险费率征收方式的基本构想,体现出公平合理、防范风险的发展要求。

The usual way to collect insurance guarantee funds includes the Average Ratio Rating Method （ARRM）, which is used in China and in most of the other countries around the world, and the Risk Rating Method （RRM）. Under ARRM, the guarantee fund rate is not linked with the risk undertaken by the insurance company,whose risky behaviors are not quoted with a higher rate, while risk level of insurers is in proportion to the amount of insurance guarantee funds they submits under the RRM method. The paper classified 25 P＆C insurance companies and 25 life insurance companies according to their risk levels, computed the corresponding rate under RRM by simulation, and proposed that the Risk Rating Method should be adapted in China for fairness, rationality and risk precaution.