驾驶员动视力在车险定价中的应用研究  

Application of Drivers′Dynamic Vision Research to Auto Insurance Pricing

作　　者：周晶[1] 

机构地区：[1]上海财经大学金融学院,上海200433

出　　处：《保险研究》2011年第12期45-51,共7页Insurance Studies

基　　金：中国人民财产保险股份有限公司2011年度灾害研究基金项目

摘　　要：车险定价中的"从人因素"非常重要,有必要对其主要风险因素进行细分。试图将驾驶员的动视力测试指标引入车险定价的费率因子体系中,采用制定《中国职业汽车驾驶员适宜性检测标准》时对驾驶员动视力的检测数据,利用统计方法探讨驾驶员动视力在车险定价中的应用。研究发现,驾驶员动视力对交通事故的发生次数存在显著影响,因此应该在机动车保险费率中引入"动视力"作为费率调整因子。还利用广义线性定价方法和单项分析方法,初步给出了"动视力"费率调整系数,供行业参考。Human-related factors are of crucial importance for pricing auto insurance. It is therefore necessary to further distinguish these risk factors. This study tried to introduce driver＇s dynamic vision into the rating factor system of auto insurance. By using the data and its statistical analysis in establishing the ＂Examination Standard for Chinese Professional Drivers＇ Adaptability＂, this study unveiled that drivers＇ dynamic vision had a significant impact on auto accident frequency,which proved the appropriateness of introducing ＂dynamic vision＂ into the rating factor system of auto insurance pricing. By using the GLM model and single factor analysis, the study further suggested how to set up the ＂driver＇s dynamic vision＂ adjustment rating factor in auto insurance pricing.

关 键 词：动视力 广义线性模型 费率调整 

分 类 号：F840.6[经济管理—保险]