【摘要】： 我國機(jī)動(dòng)車交通事故責(zé)任強(qiáng)制保險(xiǎn)制度(簡稱交強(qiáng)險(xiǎn))從2006年7月1日實(shí)施已有兩年多的時(shí)間,該制度充分發(fā)揮了其社會管理職能,有效地保障了人民生命財(cái)產(chǎn)安全,對促進(jìn)道路交通安全、維護(hù)社會穩(wěn)定也發(fā)揮了巨大的作用,交強(qiáng)險(xiǎn)以不贏不虧為經(jīng)營原則更是體現(xiàn)了以人為本的精神。 交強(qiáng)險(xiǎn)制度發(fā)揮了諸多積極作用,但是同時(shí)由于制度本身的不完善,存在的各種問題也逐步顯現(xiàn)出來,與交強(qiáng)險(xiǎn)費(fèi)率相關(guān)的問題更是人們關(guān)注的焦點(diǎn),對于交強(qiáng)險(xiǎn)費(fèi)率水平的質(zhì)疑一直存在。本文分析了交強(qiáng)險(xiǎn)實(shí)施中面臨的各種問題,以山東省某市的交強(qiáng)險(xiǎn)業(yè)務(wù)數(shù)據(jù)為基礎(chǔ),研究了費(fèi)率改革前該市交強(qiáng)險(xiǎn)業(yè)務(wù)經(jīng)營狀況,運(yùn)用非壽險(xiǎn)精算定價(jià)方法厘定出交強(qiáng)險(xiǎn)費(fèi)率,并與新的費(fèi)率方案做了對比分析。 論文由以下六部分組成。 第一部分為引言,介紹了我國交強(qiáng)險(xiǎn)的發(fā)展背景以及現(xiàn)狀,指出研究我國交強(qiáng)險(xiǎn)定價(jià)的現(xiàn)實(shí)意義,并以國內(nèi)外學(xué)者對定價(jià)理論的研究為基礎(chǔ),為接下來的研究做準(zhǔn)備。 第二部分系統(tǒng)闡述了交強(qiáng)險(xiǎn)的發(fā)展歷程,研究了交強(qiáng)險(xiǎn)實(shí)施過程中遇到的三個(gè)主要問題,即投保率低、投保人負(fù)擔(dān)加重、現(xiàn)行墊付制度難以實(shí)現(xiàn)等,對交強(qiáng)險(xiǎn)和一般的商業(yè)第三者責(zé)任險(xiǎn)進(jìn)行了詳細(xì)的比較分析。 第三部分分析了交強(qiáng)險(xiǎn)責(zé)任限額設(shè)定的合理性,研究了交強(qiáng)險(xiǎn)費(fèi)率厘定過程中的問題,總結(jié)了交強(qiáng)險(xiǎn)費(fèi)率結(jié)構(gòu)和費(fèi)率水平方面存在的問題,并提出了解決問題的方法建議。 第四部分總結(jié)了交強(qiáng)險(xiǎn)的定價(jià)目標(biāo),研究了效用理論、資本資產(chǎn)定價(jià)模型和非壽險(xiǎn)精算定價(jià)方法,并對三種方法進(jìn)行對比分析,最后得出結(jié)論,傳統(tǒng)的非壽險(xiǎn)定價(jià)方法是最適合交強(qiáng)險(xiǎn)的定價(jià)方法。 第五部分對交強(qiáng)險(xiǎn)定價(jià)進(jìn)行了實(shí)證研究。本部分以山東省XX市的交強(qiáng)險(xiǎn)各項(xiàng)數(shù)據(jù)為基礎(chǔ),首先分析了費(fèi)率改革前該市交強(qiáng)險(xiǎn)的盈利狀況,認(rèn)為費(fèi)率改革前交強(qiáng)險(xiǎn)業(yè)務(wù)存在盈利。然后論文采用非壽險(xiǎn)精算定價(jià)方法對交強(qiáng)險(xiǎn)定價(jià)。從理論上講,純保費(fèi)是期望索賠頻率與期望索賠額的乘積,本章根據(jù)可得數(shù)據(jù),以泊松分布模型擬合交強(qiáng)險(xiǎn)的次數(shù),以指數(shù)分布模型擬合交強(qiáng)險(xiǎn)賠付額,同時(shí)采用大數(shù)定律估計(jì)風(fēng)險(xiǎn)附加,由中國人民財(cái)產(chǎn)保險(xiǎn)公司經(jīng)驗(yàn)數(shù)據(jù)得出費(fèi)用附加率,從而厘定出交強(qiáng)險(xiǎn)總的保費(fèi),與現(xiàn)行的費(fèi)率方案進(jìn)行了比較分析。 第六部分根據(jù)前面的定性定量的研究結(jié)論,有針對性地提出了我國實(shí)施交強(qiáng)險(xiǎn)的政策建議。
[Abstract]:It has been more than two years since July 1, 2006, when the compulsory insurance system for motor vehicle traffic accident liability has been implemented in China. The system has brought into full play its social management function and effectively guaranteed the safety of people's lives and property. It also plays a great role in promoting road traffic safety and maintaining social stability. The traffic insurance system has played a lot of positive roles, but at the same time, due to the imperfection of the system itself, the existing problems have gradually emerged, and the problems related to the traffic insurance rate have become the focus of people's attention. For the traffic insurance rate level of doubt has always existed. This paper analyzes the various problems faced in the implementation of traffic strong insurance, based on the traffic strength insurance business data of a certain city in Shandong Province, studies the operation status of the traffic strong insurance business in the city before the rate reform, and uses the non-life insurance actuarial pricing method to determine the traffic strong insurance rate. And compared with the new rate scheme. The thesis consists of the following six parts. The first part is the introduction, introduces the development background and the present situation of our country's traffic insurance, points out the realistic significance of studying the pricing of our country's traffic insurance, and based on the domestic and foreign scholars' research on the pricing theory, makes preparations for the next research. The second part systematically expounds the development course of the traffic insurance, studies the three main problems encountered in the implementation process of the traffic insurance, that is, the low insurance rate, the heavier burden of the insured, the difficult to realize the current advance payment system and so on. This paper makes a detailed comparison and analysis of the commercial third party liability insurance between traffic insurance and general commercial third party liability insurance. The third part analyzes the rationality of the liability limit, studies the problems in the process of determining the premium rate, summarizes the existing problems in the structure and level of the premium rate, and puts forward some suggestions to solve the problem. The fourth part summarizes the pricing objectives of traffic insurance, studies the utility theory, capital asset pricing model and non-life insurance actuarial pricing methods, and makes a comparative analysis of the three methods, finally comes to a conclusion. Traditional non-life insurance pricing method is the most suitable for traffic insurance pricing method. The fifth part has carried on the empirical research to the traffic insurance pricing. Based on the data of XX in Shandong Province, this part firstly analyzes the profit situation of the traffic insurance before the rate reform, and thinks that there is profit in the traffic insurance business before the rate reform. Then the thesis adopts the non-life insurance actuarial pricing method to the traffic strong insurance pricing. Theoretically speaking, the pure premium is the product of the expected claim frequency and the expected claim amount. According to the available data, this chapter uses Poisson distribution model to fit the times of traffic insurance, and exponential distribution model to fit the compensation amount. At the same time, the law of large numbers is used to estimate the risk surcharge, and from the experience data of the Chinese people's property insurance company, the additional cost ratio is obtained, and the total premium of the traffic insurance is determined, which is compared with the current rate scheme. The sixth part, according to the qualitative and quantitative research conclusions, puts forward the policy recommendations of implementing traffic insurance in China.
【學(xué)位授予單位】：中國海洋大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2009
【分類號】：F842;F224

【引證文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前3條

1 陳斌;浙江省實(shí)施交通違法信息與交強(qiáng)險(xiǎn)費(fèi)率掛鉤方案研究[D];浙江大學(xué);2011年

2 張楓;論我國交強(qiáng)險(xiǎn)制度的缺陷與完善[D];華東政法大學(xué);2011年

3 彭曉莉;我國交強(qiáng)險(xiǎn)賠償制度研究[D];山東財(cái)經(jīng)大學(xué);2012年

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本文編號：2400972