智能驾驶技术对我国商业车险定价的影响研究

Research on the Influence of Intelligent Driving Technology on the Pricing of Commercial Automobile Insurance in China

智能驾驶技术通过降低保险标的出险概率进而减少保险人的承保风险,间接降低了保险赔付成本。保险人本应据此影响过程考虑将智能驾驶技术作为商业车险定价的自主核保系数,但目前我国保险行业还未将其作为车险费率厘定的分类变量,造成商业车险在定价上严重缺乏公平性、合理性和科学性。本文阐述了智能驾驶技术的发展现状和影响车险定价的主要分类变量,并运用非寿险精算理论中分类变量的选择方法对智能驾驶技术进行详细分析,认为智能驾驶技术应被选择作为分类变量,最后为进一步完善商业车险定价机制提出一些建议措施。

By reducing the risk probability of the subject of insurance,intelligent driving technology reduces the insurer's underwriting risk and indirectly reduces the insurance compensation cost.Based on this,the insurer should consider intelligent driving technology as the independent underwriting coefficient of commercial auto insurance pricing,but at present,the insurance industry in China has not taken it as the classification variable of auto insurance premium rate,resulting in a serious lack of fairness,rationality and scientific nature in the pricing of commercial auto insurance.This paper elaborates on the development of intelligent driving technology present situation and the main classification variables affecting the auto insurance pricing,use non-life insurance actuarial theory and selection method of intelligent driving technology of classification variables in a detailed analysis,holds that intelligent driving technology should be selected as classification variables,finally proposes measures to further improve the business car insurance pricing mechanism.