基于风险评估的展会物流保险费率估计模型

Study on Exposition Logistics Insurance Premium Rate Estimation Model Based on Risk Evaluation

针对展会物流运输保险意识不强、信用管理体制不完备以及展会物流风险信息沟通不畅等发展现状,参照展会物流运输风险的模糊综合评估模型及评估结果所处的等级,构建一种基于风险评估的展会物流保险费估计模型。结合所构建模型对国内中远展会物流风险以及保险费率进行实际评估,得出其预防风险的安全级别以及保险费率的浮动数值。分析结果显示,基于风险评估构建的展会物流保险费估计模型可以帮助展会物流保险人估计保险费率,并为展会物流在承保前进行风险预警以及承保后定时核查,提供了理论和实践指导。

In this paper, in view of the current status and problems of the insurance system of exposition logistics process, we built the exposition logistics insurance premium estimation model based on risk evaluation, and then relying on the model, evaluated the practical risk and premium rate of the logistics operations of the expositions in China, through which we reached some useful conclusions.