模糊综合法在机动车保险风险评价中的应用

Fuzzy comprehensive method in risk evaluation of motor vehicle insurance

为科学有效地评价机动车辆保险经营风险,通过对影响机动车辆保险的各种指标的定性分析,借助内部的统计数据,构建机动车辆保险风险评价指标体系,应用层次分析法得到各指标的权重,建立多级模糊综合评价模型.利用模型对实际企业进行实证,得到某保险公司福建分公司机动车辆保险的安全评价结果.应用实例表明,模糊综合评价方法可操作性强,不仅可应用在工业企业的安全评价,同样可应用在金融保险业的安全评价中.

In order to scientifically and effectively evaluate the operation risk of motor vehicle insur ance, by means of qualitatively analyzing various index which could affect motor vehicle insurance （ MVI）, a MVI risk assessment index system was constructed relying on its internal statistics database. A multi level fuzzy comprehensive assessment model were developed adopting the principle of analyt ic hierarchy process method to determine each index weight. MVI safety assessment results were ob tained after models＇ performance in Fujian branch company of a insurance corporation. Model prac tices elucidates that the fuzzy comprehensive assessment is strongly operative and can be used not only for the safety assessment for industrial enterprises, but also for the safety assessment for finance and in surance industries.