构建基于驾驶行为的保费奖惩系统

Build A Premium Reward and Punishment System Based on Driving Behavior

借助模糊综合评价法构建驾驶行为评分体系,体系得分值越高代表车主的驾驶行为越不规范.以驾驶行为习惯信息和出险性质为奖惩依据,建立基于驾驶行为习惯的保费奖惩系统,将计算得到的续保保费系数与客户的分类结果相结合,制定更合理的续保保费,根据不同客户聚群的特征及客户自身对商业险的需求情况提供具有针对性的商业车险方案,并结合其驾驶行为习惯对相应商业险给予对应的优惠方案,从而在帮助车险公司或企业达到收益增长的目标的同时,也在一定程度上最小化了成本.

The fuzzy comprehensive evaluation method was used to construct the driving behavior scoring system.The higher the system score value was,the less standardized the driving behavior of the car owner was.Then,based on the information of driving behavior and the nature of the accident,the premium reward and punishment system based on driving behavior is established,and a more reasonable insurance renewal premium is formulated by combining the calculated insurance renewal premium coefficient with customer classification results.According to the characteristics of different customer cluster and customers demand for commercial insurance is to provide targeted business car insurance scheme,and combined with the driving behavior of corresponding business risks to give the corresponding preferential schemes,to help car insurance companies or enterprises achieve earnings growth target at the same time,also to a certain extent,to minimize the cost.