摘要
提出一种基于分类与增减相结合的费率厘定方法,首先确定工程的风险损失期望值,建立了以"商业费率=纯保费率×调整系数"为计算公式的分类费率厘定方法,由此得到相应的纯保费率和商业保费率,再经过多方协商加减利率,进而确定最终利率,并构建了该险种基本费率和调整系数的影响因素表,为工程质量安全保险费率的确定提供了具体的思路。
Proposed a method based on a combination of classification and increase-decrease, first identified expectations in the risk of loss, established the formula ＂commercial rates= pure premium rate× adjustment factor＂ to calculate the rate,in which can get the pure premium rates and commercial premium rates. After further consuhations the plus-minus interest rates, thereby determined the final interest rates. For the kind of insurance, the paper establishes a rating method with the consideration of an adjustment to the basic premium rate and proposes the im- pact factors of the basic rates and adjusting coefficients. This preliminary study provides a detailwork for the calculation of premium rate of construction quality insurance.
出处
《建筑经济》
北大核心
2008年第11期52-55,共4页
Construction Economy
基金
国家自然科学基金资助项目(50679076)
关键词
工程质量保险
保险费率
费率厘定
quality insurance
premium rates
determining rates
