整车运输物流责任风险分析及物流责任险定价研究

Analysis of Vehicle Transportation Logistics Responsibility Risk and Logistics Liability Insurance Pricing

现阶段我国的物流业发展越来越快,尤其是整车物流业正在高速发展,但是在发展的同时物流公司也面临着很高的责任风险,所以针对物流公司的物流责任保险应运而生,其与一般的承运人责任险不同,它可以保障物流公司在物流,包括装卸搬运等过程中的责任,但是该险种还处于发展阶段,并没有在物流公司之间大范围推广使用。本文通过对物流责任风险分析并运用非寿险精算的方法对整车物流责任险进行定价研究,推动我国的物流责任险发展。

At the present stage, China＇s logistics industry is developing faster and faster, especially the vehicle logistics industry is developing at a high speed. However, at the same time, the logistics companies are also facing high risks of liability. Thus, logistics liability insurance for logistics companies emerged as the times required. Different from general carrier liability insurance, logistics liability insurance can overall guarantee logistics companies in the logistics,including loading and unloading operations, etc. However, this kind of insurance is still in the development stage and has not been widely applied among logistics companies. This paper analyzes the logistics liability risk, and uses non-life actuarial methods to conduct research on the pricing of vehicle logistics liability insurance in order to promote the development of logistics liability insurance in China.