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

【摘要】：機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,其保費收入在財產(chǎn)險中一直位居首位。隨著車險費率市場化改革的發(fā)展以及車聯(lián)網(wǎng)、大數(shù)據(jù)等新技術的出現(xiàn),我國現(xiàn)有的車險費率厘定模式已難以滿足新形勢的要求,加快實現(xiàn)車險費率差異化已經(jīng)成為車險市場發(fā)展的必然趨勢。 本文在分析國內(nèi)外車險費率厘定相關研究與應用現(xiàn)狀的基礎上,探討研究了車聯(lián)網(wǎng)環(huán)境下基于UBI的車險費率厘定模式與厘定方法。對于實現(xiàn)我國車險精準化、個性化定價具有直接指導意義,對于促進我國車險費率市場化改革具有重要的現(xiàn)實意義。本文主要內(nèi)容如下： (1)分析總結了車險費率厘定的兩種基本模式——從車費率模式和從人費率模式以及三種車險費率厘定方法——總平均費率法、分類風險費率法和個體風險費率法。分析指出了現(xiàn)有的技術無法獲取駕駛員的駕駛行為數(shù)據(jù),因而難以實現(xiàn)車險費率的公平化和差異化,而車聯(lián)網(wǎng)技術的發(fā)展能夠為其提供技術支持。在此基礎上,提出了基于UBI的車險費率厘定模式,并設計了車險費率厘定方法。其中,基于UBI的車險費率厘定模式遵循“從車+從人”的綜合費率模式,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的車險費率包含了基礎費率和費率調(diào)整系數(shù)兩部分�；A費率參照傳統(tǒng)費率因子厘定,而費率調(diào)整系數(shù)則根據(jù)駕駛行為評分厘定,車險費率由二者相乘得到。 (2)重點研究了駕駛行為評分模型構建過程。首先,通過對影響駕駛安全基本因素進行分析,構建了駕駛行為評分指標體系。其次,采用熵權——層次分析集成賦權法確定了各指標權重,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率之間關聯(lián)建立掛鉤聯(lián)動模型,給出了車險費率調(diào)整系數(shù)。最后,通過實證分析表明基于UBI的駕駛行為評分模型比較準確地反映出駕駛員的駕駛風險水平,所提出的車險費率厘定方法能夠實現(xiàn)車險費率的公平化、個性化和差異化,具有較高的實際應用價值。
[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.
【學位授予單位】：北京交通大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F842.634

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本文編號：1791721