“行为定价保险”:车险定价与驾驶行为理论被引量：6

“Behavior Based Insurance”:Auto-insurance Pricing and Driving Behavior Theory

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摘要保险风险大多与被保险人的行为息息相关,一些行为理论有助于保险公司更好地了解并控制风险。本文将人的行为和心理等因素考虑进保险定价之中,构建"行为定价保险",认为不论是对传统商业车险还是新兴的车联网保险,在定价因子选择和无赔款优待体系调整等方面,驾驶行为理论都可以提供一定的理论支持。 Insurance risk generally has close relation with actions of the insured. Consequently, theory of behavior finance would help insurance companies to better pinpoint and control risks. This paper takes people＇ s behavior and psychological in to consideration and constructs ＂behavior based insurance＂ . And it is also believes that for both traditional commercial auto-insurance and newly-developed telematics insurance, driving behavior theory could provide support in choices of pricing factors and adjustment for NCD system.

作者韩成卉赵绰翔郑苏晋

机构地区中央财经大学保险学院

出处《金融发展研究》北大核心 2015年第8期68-74,共7页 Journal Of Financial Development Research

基金教育部人文社会科学重点研究基地重大项目(14JJD7900173) 教育部人文社会科学研究青年基金项目(14YJC790118) 中央财经大学科研创新团队支持计划中国人民财产保险股份有限公司灾害研究基金普通基金项目(2012B12)资助

关键词驾驶行为理论车险定价行为金融 “行为定价保险” driving behavior theory, auto-insurance pricing, behavior finance, ＂behavior based insurance＂

分类号 F840.65 [经济管理—保险]

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