摘要
有关考虑索赔大小的BMS理论研究已比较成熟,但目前除韩国外,世界上其他国家的保险公司在设计机动车保险的BMS时,都未考虑索赔大小。不考虑索赔大小的BMS存在很多弊端,将来会有越来越多的保险公司采用考虑索赔大小的BMS。本文试着建立了一个考虑索赔大小的机动车保险BMS的应用模型,并就此应用模型进行分析,包括转移矩阵、稳定分布、等级保费的确定等,最后做了实证分析。此模型具有比较好的科学性和操作性,具有一定的理论与实践价值。
The claim size-based BMS theory study has become quite mature. However, with an exception of Korea, insurers of all other countries haven＇t taken the size of claim into account in designing the BMS of motor insurance. Such a BMS has a number of defects. We believe that more and more insurers will take claim size into consideration of BMS. In the paper we create an applied BMS model considering the claim size, and provide an in-depth analysis, such as transferred matrix, stabilized distribution, and the premium for each grade, and conclude with a practical research on this model. The model is scientific and maneuverable, so has much value in both the academic and practical senses.
出处
《保险研究》
CSSCI
北大核心
2007年第5期44-46,共3页
Insurance Studies
