金融发展研究
金融髮展研究
금융발전연구
Journal of Financial Development Research
2015年
8期
68-74
,共7页
韩成卉%赵绰翔%郑苏晋
韓成卉%趙綽翔%鄭囌晉
한성훼%조작상%정소진
驾驶行为理论%车险定价%行为金融%“行为定价保险”
駕駛行為理論%車險定價%行為金融%“行為定價保險”
가사행위이론%차험정개%행위금융%“행위정개보험”
driving behavior theory%auto-insurance pricing%behavior finance%“behavior based insurance”
保险风险大多与被保险人的行为息息相关，一些行为理论有助于保险公司更好地了解并控制风险。本文将人的行为和心理等因素考虑进保险定价之中，构建“行为定价保险”，认为不论是对传统商业车险还是新兴的车联网保险，在定价因子选择和无赔款优待体系调整等方面，驾驶行为理论都可以提供一定的理论支持。
保險風險大多與被保險人的行為息息相關，一些行為理論有助于保險公司更好地瞭解併控製風險。本文將人的行為和心理等因素攷慮進保險定價之中，構建“行為定價保險”，認為不論是對傳統商業車險還是新興的車聯網保險，在定價因子選擇和無賠款優待體繫調整等方麵，駕駛行為理論都可以提供一定的理論支持。
보험풍험대다여피보험인적행위식식상관，일사행위이론유조우보험공사경호지료해병공제풍험。본문장인적행위화심리등인소고필진보험정개지중，구건“행위정개보험”，인위불론시대전통상업차험환시신흥적차련망보험，재정개인자선택화무배관우대체계조정등방면，가사행위이론도가이제공일정적이론지지。
Insurance risk generally has close relation with actions of the insured. Consequently, theory of behav-ior finance would help insurance companies to better pinpoint and control risks. This paper takes people’s behavior and psychological in to consideration and constructs“behavior based insurance”. And it is also believes that for both tradi-tional commercial auto-insurance and newly-developed telematics insurance, driving behavior theory could provide support in choices of pricing factors and adjustment for NCD system.
