摘要
文章针对车险行业的经营现状,在可获取信息的基础上,确定12个影响行车安全的风险因子,分为车辆性能状态和驾驶员驾驶行为习惯2大类。对主成分分析法进行改进,设计基于指标重要性权值的主成分分析法。运用此方法对风险因子数据进行降维处理,获得4个主成分,以此作为车险行业的定价因子,为车险行业提供差异化的保费计算方法。
Aiming at the current status of vehicle insurance industry,this paper determines twelve risking factors influencing driving safety based on the collected information,which are classified into two groups,namely vehicle state information and driver behavior habit.The principal component analysis（PCA）is improved and the PCA based on the weight of index significance is proposed to process the data of risking factors and decrease the dimensions of data.Four principal components are obtained as the pricing factor of the vehicle insurance industry,thus providing a differentiated premium computing method for vehicle insurance industry.
出处
《合肥工业大学学报（自然科学版）》
CAS
CSCD
北大核心
2015年第3期419-423,共5页
Journal of Hefei University of Technology：Natural Science
基金
国家电子信息产业发展基金资助项目(工信部财函[2011]506号)
国家国际科技合作专项资助项目(2012DFB10060)
安徽省高校自然科学研究资助项目(KJ2011A220)
教育部人文社会科学资助项目(工程科技人才培养)(12JDGC007)
关键词
车险行业
指标重要性权值
主成分分析法
定价因子
vehicle insurance industry
weight of index significance
principal component analysis（PCA）
pricing factor
