本文選題：車險費(fèi)率 + 車聯(lián)網(wǎng)��； 參考：《北京交通大學(xué)》2015年碩士論文

【摘要】：機(jī)動車輛保險作為我國保險市場上的主要財產(chǎn)險險種之一,其保費(fèi)收入在財產(chǎn)險中一直位居首位。隨著車險費(fèi)率市場化改革的發(fā)展以及車聯(lián)網(wǎng)、大數(shù)據(jù)等新技術(shù)的出現(xiàn),我國現(xiàn)有的車險費(fèi)率厘定模式已難以滿足新形勢的要求,加快實(shí)現(xiàn)車險費(fèi)率差異化已經(jīng)成為車險市場發(fā)展的必然趨勢。 本文在分析國內(nèi)外車險費(fèi)率厘定相關(guān)研究與應(yīng)用現(xiàn)狀的基礎(chǔ)上,探討研究了車聯(lián)網(wǎng)環(huán)境下基于UBI的車險費(fèi)率厘定模式與厘定方法。對于實(shí)現(xiàn)我國車險精準(zhǔn)化、個性化定價具有直接指導(dǎo)意義,對于促進(jìn)我國車險費(fèi)率市場化改革具有重要的現(xiàn)實(shí)意義。本文主要內(nèi)容如下： (1)分析總結(jié)了車險費(fèi)率厘定的兩種基本模式——從車費(fèi)率模式和從人費(fèi)率模式以及三種車險費(fèi)率厘定方法——總平均費(fèi)率法、分類風(fēng)險費(fèi)率法和個體風(fēng)險費(fèi)率法。分析指出了現(xiàn)有的技術(shù)無法獲取駕駛員的駕駛行為數(shù)據(jù),因而難以實(shí)現(xiàn)車險費(fèi)率的公平化和差異化,而車聯(lián)網(wǎng)技術(shù)的發(fā)展能夠?yàn)槠涮峁┘夹g(shù)支持。在此基礎(chǔ)上,提出了基于UBI的車險費(fèi)率厘定模式,并設(shè)計了車險費(fèi)率厘定方法。其中,基于UBI的車險費(fèi)率厘定模式遵循“從車+從人”的綜合費(fèi)率模式,該模式的提出除參考傳統(tǒng)車輛因素和駕駛員因素之外,還引入駕駛員的駕駛行為表現(xiàn)；基于UBI的車險費(fèi)率包含了基礎(chǔ)費(fèi)率和費(fèi)率調(diào)整系數(shù)兩部分�；A(chǔ)費(fèi)率參照傳統(tǒng)費(fèi)率因子厘定,而費(fèi)率調(diào)整系數(shù)則根據(jù)駕駛行為評分厘定,車險費(fèi)率由二者相乘得到。 (2)重點(diǎn)研究了駕駛行為評分模型構(gòu)建過程。首先,通過對影響駕駛安全基本因素進(jìn)行分析,構(gòu)建了駕駛行為評分指標(biāo)體系。其次,采用熵權(quán)——層次分析集成賦權(quán)法確定了各指標(biāo)權(quán)重,建立了基于UBI的駕駛行為評分模型。然后,將駕駛行為評分與車險費(fèi)率之間關(guān)聯(lián)建立掛鉤聯(lián)動模型,給出了車險費(fèi)率調(diào)整系數(shù)。最后,通過實(shí)證分析表明基于UBI的駕駛行為評分模型比較準(zhǔn)確地反映出駕駛員的駕駛風(fēng)險水平,所提出的車險費(fèi)率厘定方法能夠?qū)崿F(xiàn)車險費(fèi)率的公平化、個性化和差異化,具有較高的實(shí)際應(yīng)用價值。
[Abstract]:Motor vehicle insurance is one of the main property insurance types in our country, and its premium income has always been the first in property insurance. With the development of the market-oriented reform of auto insurance rate, the emergence of new technologies such as big data and so on, it is difficult to meet the requirements of the new situation. Speeding up the realization of car insurance rate differentiation has become the inevitable trend of auto insurance market development. Based on the analysis of domestic and international research and application status of vehicle insurance rate determination, this paper discusses the model and method of vehicle insurance rate determination based on UBI under the environment of vehicle network. It has direct guiding significance for the realization of precision and individualized pricing of automobile insurance in our country, and has important practical significance for promoting the marketization reform of car insurance rate in our country. The main contents of this paper are as follows: This paper analyzes and summarizes two basic modes of automobile insurance rate determination: slave rate mode and slave rate mode, and three methods of determining vehicle insurance rate, I. E. total average rate method, classified risk rate method and individual risk rate method. It is pointed out that the existing technology can not obtain driver's driving behavior data, so it is difficult to realize the equalization and differentiation of vehicle insurance rate, and the development of vehicle networking technology can provide technical support for it. On this basis, the model of vehicle insurance rate determination based on UBI is put forward, and the method of vehicle insurance rate determination is designed. Among them, the car insurance rate determination model based on UBI follows the comprehensive rate model of "slave car follower", which not only refers to the traditional vehicle factors and driver factors, but also introduces the driver's driving behavior performance. The auto insurance rate based on UBI includes two parts: basic rate and rate adjustment factor. The basic rate is determined by reference to the traditional rate factor, while the rate adjustment coefficient is determined according to the driving behavior score, and the premium rate of vehicle insurance is obtained by multiplying the two factors. 2) the construction process of driving behavior scoring model is studied. Firstly, by analyzing the basic factors affecting driving safety, the index system of driving behavior score is constructed. Secondly, the weight of each index is determined by entropy weight-AHP integrated weighting method, and the driving behavior scoring model based on UBI is established. Then, the linkage model between driving behavior score and vehicle insurance rate is established, and the adjustment coefficient of vehicle insurance rate is given. Finally, the empirical analysis shows that the driving behavior scoring model based on UBI can accurately reflect the driver's driving risk level, and the proposed method can realize the fairness, individuation and differentiation of the vehicle insurance rate. It has high practical application value.
【學(xué)位授予單位】：北京交通大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F842.634

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本文編號：1791721