我国保险机构无赔款优待机制的评价研究

黄亚雄; 顾海锋

我国保险机构无赔款优待机制的评价研究

引用本文：黄亚雄,顾海锋.我国保险机构无赔款优待机制的评价研究[J].财经理论与实践,2010,(3):37-41

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作者	单位
黄亚雄	（1. 湖南工业大学师院校区，湖南株洲412007；2. 华中农业大学经济学院，湖北武汉430070； 3.上海财经大学博士后流动站，上海200433）
顾海锋

中文摘要:我国汽车保险费率自2003年实行市场化改革以来，各家保险公司分别设计了独具特色的奖惩系统。为了比较分析我国汽车保险市场上的五个主要奖惩系统，需要从平均保费水平、风险区分度和弹性三个方面探讨无赔款优待机制的评价问题、奖惩系统最具竞争力保险公司以及我国保险机构优化车险奖惩的激励机制。

中文关键词:汽车保险奖惩系统保费水平风险区分度弹性

An Appraisal Research of No Claim Discount Mechanism in China's Insurance Institutions

Abstract:ince the market oriented reforms of China's automobile insurance premium rate in 2003, insurers have designed their bonus malus system respectively. It is indispensable to investigate from aspects of average premium level, risk distinction degree and elasticity to evaluate no claim discount issues, find the most competitive insurance companies of bonus malus system and their incentive mechanism, so as to points out some problems existing in those systems, and presents the relevant improving suggestions.

keywords:Automobile insurance Bonus malus system Insurance premium level Risk distinction degree Elasticity

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