模糊数学在环境污染责任保险费率厘定中的运用

Application of Fuzzy Mathematics to the Environmental Pollution Liability Insurance Rate Making

环境污染责任保险因开展经验及历史数据不足致费率难以合理厘定,引入模糊信息粒及综合评价理论,相对传统方法,更能实现费率厘定的公平合理,保障各方利益.本文以化学原料及化学制品制造业为研究对象,首先运用模糊信息粒理论处理历史数据,克服数据模糊不确定性,得出第三者赔偿额的模糊信息粒X;其次运用传统精算定价方法得出行业基准费率的模糊信息粒~p;最后运用模糊综合评价二级评价理论,综合追溯期、企业规模等影响因素,得出投保企业风险综合评价集~B,以此修正基准费率.

The environmental pollution liability insurance can＇t be reasonably rated,because the data and experience are insufficient.Compared with traditional method,applying fuzzy mathematics to rate the environmental pollution liability insurance can get more reasonable rate and ensure the rights and interests of every part.This paper researched the environmental pollution liability insurance of raw chemical materials and chemical products.First,the fuzzy information theory was used to deal with historical data,which can resolve the ambiguity of historical data and can get the fuzzy information of the compensation to the third party.Second,the traditional method was used to get the fuzzy information of the standard rate.Finally,overall considering the factors,the fuzzy comprehensive evaluation theory was used to get the comprehensive evaluation assemblage to correct the standard rate.