基于MC模型的环境责任保险费率模糊定价

Fuzzy Pricing of Environmental Liability Insurance Rate Based on the MC Model

环境责任保险在解决环境污染方面发展空间巨大。本文分析环境责任保险发展的现状和机制,根据环境责任保险自身特点,在Myers-Cohn模型的基础上用模糊数学的方法修正和扩展理论模型,得出环境责任保险费率的厘定结果。通过实证分析得出的结果比较符合责任险的费率水平,对保险公司的费率厘定提供了一定的参考意义。

Environmental liability insurance has an enormous development space to solve environmental pollution in the future. In this paper, the author presented the current situation and mechanism of the development of environ- mental liability insurance. Based on the inherent characteristics of environmental liability insurance itself and the- Myers-Cohn model, it applied the fuzzy mathematics method to modify and expand the theoretical model and arrived at the environmental liability insurance rates. Then through an empirical analysis, it concluded that results con- formed to the actual level of premium rates of liability insurance, therefore the analysis provides a reference signifi- cance to insurance companies.