| 基于索赔额与应负责任的奖惩系统 |
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| 引用本文： | 张玲,陈秀丽.基于索赔额与应负责任的奖惩系统[J].数学理论与应用,2008,28(3):26-29. |
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| 作者姓名： | 张玲 陈秀丽 |
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| 作者单位： | 中南大学数学科学与计算技术学院,长沙 410075 |
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| 摘 要： | 在机动车保险中，仅仅基于索赔次数的奖惩系统对那些有着小索赔的保单持有人不公平。在本文，我们考虑索赔额的大小及责任归属，建立一个基于索赔额与应负责任的奖惩系统。
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| 关 键 词： | 奖惩系统 索赔额 奖惩系数 |
A Bonus-Malus System with Claim Severity and Responsibility |
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| Zhang Ling Chen Xiuli.A Bonus-Malus System with Claim Severity and Responsibility[J].Mathematical Theory and Applications,2008,28(3):26-29. |
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| Authors: | Zhang Ling Chen Xiuli |
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| Institution: | Zhang Ling Chen Xiuli (School of Mathematical Science and Computing Technology, CSU, Changsha, 410075 ) |
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| Abstract: | In automobile insurance,the Bonus-Malus System (BMS) base d only on the number of claims is unfair with a policyholder who had small size of claims.In this paper,we consider the the size of claims and responsibility,co nstruct a Bonus-Malus System with claim severity and responsibility. |
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| Keywords: | Bonus-malus System Claim severity Bonus malus coefficient |
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