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车辆保险中零索赔客户的随机风险分析——基于零膨胀泊松模型

Random Risk Analysis of Zero Claim in Vehicle Insurance——Based on Zero-inflated Poisson Model
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摘要 对车辆保险中的零索赔客户进行了研究.在分析零膨胀泊松模型的结构及思想的基础上,结合现实数据,给出了零索赔客户中的优良客户、潜在风险客户及其比率.使用该方法对零索赔客户进行统计推断分析,为保险人正确掌握零索赔客户的随机风险信息提供一定的理论依据. Zero claim customers in Vehicle Insurance was studied in this paper. Based on the real data, the excel-lent customers, potential risk customers and their ratio in zero claim customers were presented by combining with the a-nalysis of the structure and the idea of the zero-inflated Poisson model. Using this method to analyze the results, a theo-retical basis was provided for the insurer to grasp the random risk information about zero claim customers in the vehicle insurance.
作者 郭念国 彭勇
出处 《信阳师范学院学报(自然科学版)》 CAS 北大核心 2016年第3期453-455,共3页 Journal of Xinyang Normal University(Natural Science Edition)
基金 河南省高等学校重点科研项目(16A110011) 2015年度中国保监会部级课题项目支持 河南工业大学高层次人才基金(2011BS041)
关键词 零索赔 风险 零膨胀泊松模型 zero claim risk zero-inflated poisson model
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参考文献8

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