摘要
驾驶人的因素对机动车辆保险定价的影响具有显著性,因为人的因素在车辆运行安全中具有很重要的作用,其中空间距离判识人的因素没有考虑到,由于驾驶员的风险主观性很强,往往被保险公司在进行车险定价时难以鉴定。将驾驶员空间距离判识引入到车险定价的费率因子体系中,利用AHP层次分析法,建立驾驶员空间距离判识评分体系,可以给出驾驶员空间距离判识的费率调整系数。
The driver of the factors that has a significant impact on motor vehicle insurance pricing, because the human＇s factor in the vehicle traveling safety has become a very important role ,specially spatial distance judgment did not take into account human factors. Due to the risk of the driver＇s highly subjective, and often difficult to identify when the insurance companies conducting auto insurance pricing. And attempts to introduce the driver space distance judgment into auto insurance pricing rates factor system, using AHP （the analytic hierarchy process） to establish the ratings system of the driver space distance judgment, and preliminary given the rate adjustment factor of the driver space distance judgment, and for industry reference only.
出处
《铜陵学院学报》
2013年第1期38-41,共4页
Journal of Tongling University
关键词
空间距离判识
AHP层次分析法
评分体系
费率调整
spatial distance judgment
analytic Hierarchy Process
rating system
rate adjustment
