基于风险相依的机动车辆保险费率厘定

The Motor Vehicles Insurance Pricing Based on Risk Dependence

对机动车辆保险费率的厘定通常采用单项分析法、最小偏差法和多元线性回归等方法。但由于保险数据的特殊性,它们的缺陷越来越明显,本文简要分析了这些传统定价方法存在的缺陷,介绍了基于风险相依的保险费率的厘定的普通方法和同质风险相依费率确定的数学模型。

One-way analysis,minimum bias precedures and regressions have been widely used in vehicle insurance rate classification.But their drawbacks are becoming very clear when considering properties of insurance data.This paper analyzes the drawbacks of these traditional methods.The commun methods and the same rating mathematical model are introduceed according to risk dependence.