共享单车综合保险费率定价研究

ThePricing of the Comprehensive Insurance Rate of Sharing Bicycle

共享单车市场发展迅速,用户数逐年增长。然而,也存在车辆耗损严重等管理问题及忽视骑行安全、意外事故发生等风险。结合共享单车运营中的风险因素,分析用户权益保障和企业成本,设计保险费率定价。

In the Non-Stake shared bicycle market,"the first share of sharing bicycle"Yong-An bicycle quickly merged with"Hello bike".Nan-Ping City also enjoyed many conveniences brought by the"sharing era"when introducing"Yong-An Bicycle"sharing bicycle.However,all kinds of bike sharing systems are blooming all over the country,and the sharing bicycle usage ratio is also increasing year by year,there are also risk factors such as vehicle consumption rate,consumers'ignorance of riding safety,bicycle accidents and so on.Therefore,the research investigates the problems encountered by consumers and bike operators one by one,analyzes the interests and costs of users and enterprises,and designs the insurance rate estimation system.