我国商业车险定价精细化路径分析

Research on Risk Classification Pricing System of China's Commercial Vehicle Insurance

商业车险定价坚持"从车""从人""从地域"三原则的有机结合,是应对商业车险费率市场化,保证车险公司顺畅运行的重要课题。"从车"风险因素即车型、车龄、行驶里程、用途等;"从人"风险因素即历史索赔记录、驾驶技术、驾驶习惯、驾龄、年龄、性别、学历以及投保人特殊需求等;"从地域"风险因素即机动车行驶区域路况、交通环境、自然环境特征等。要合理量化以上风险因素,从而实现商业车险的精细化定价。

Against the backdrop of new normal in the vehicle insurance market, the reform of the commercial vehicle insurance is entering into a new stage. The risk classification of commercial vehicle insurance pricing system should follow the integrated principle of ＂vehicle, people and region-oriented＂and this is of great importance in the smooth running of insurance companies and a solution to the marketized vehicle insurance. From the perspective of risk classification, the pricing system should follow the principle of vehicle-oriented, which means taking vehicle model, age,mileage and usage into account. People-oriented principle means taking drivers＇ insurance record,driving skill, driving habit, driving age, age, gender, education and special needs into account.Region-oriented means taking vehicle＇s driving zone condition, transportation environment and natural environment into account.