我国保险机构无赔款优待机制的评价研究
    点此下载全文
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
摘要点击次数: 787
全文下载次数: 203
作者单位
黄亚雄 (1. 湖南工业大学 师院校区湖南 株洲4120072. 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
查看全文   查看/发表评论   下载pdf阅读器