车险费改中NCD系数调整对小额赔案的影响——以重庆市为例

The influence of NCD coefficient adjustment on small claims in the reform of insurance rate——Taking Chongqing as an example

自从2007年将NCD系数引入中国商业车险费率计算以来,市场经过多年实践,已经取得了一定的成果。改革后的NCD系数在一定程度上更加精细化,使车险费率计算依据更加科学、细致。但分层更加精细化的NCD系数对于车险理赔中小额赔案的被保险人来说损益参半。文章研究了NCD系数改革的必要性,通过改革前后方案对比,从理论上分析NCD系数改革对重庆市车险市场小额赔案的影响,从中得出结论并提出建议。

Since NCD coefficient was introduced into the calculation of commercial vehicle insurance rate in 2007,the market has made some achievements.The NCD coefficient after the reform is more refined,which makes the calculation basis of car insurance rate more scientific and detailed.But the NCD coefficient is half of the profit and loss for the insured in small claims.This paper studies the necessity of NCD coefficient reform,through the comparison of schemes before and after the reform,theoretically analyzes the influence of NCD coefficient reform on small claims in Chongqing auto insurance market,and draws conclusions and puts forward suggestions.