Bomus-Malus System In Automobile Insurance And Empirical Research In The Background Of Automobile Insurance Rate Reform

Reward and punishment system for optimizing the traffic environment,improve traffic order and regulate the driving behavior of the owner to form a good driving habits have a positive role in promoting.In China,motor vehicle insurance has always been considered a "leading insurance" of property insurance.The total income of vehicle insurance in China are generally accounted for more than half of the year the total income of property insurance premiums.With the rapid growth of vehicle ownership in China,the number of traffic accidents in China and the total amount of property damage has been high.From the perspective of vehicle insurance to develop a reasonable reward and punishment system is to improve our country's traffic order the necessary economic instruments.At the same time,the rewards and penalties also affect the premium income and claim expenses of automobile insurance to a certain extent,so the reward and punishment system has been widely studied by domestic and foreign scholars as an important actuarial topic.In recent years,China 's traffic laws and regulations on the traffic violations of the penalties made important amendments to the rules,while the China Insurance Regulatory Commission on the auto insurance terms and rates management system reform.Car insurance rates began to deepen the reform stage.Therefore,how to develop in the auto insurance market for policyholders and the development needs of the insurance company's reward and punishment system has become a top priority.Based on the risk data of insurance companies in recent years,Bayesian method is used to select the negative binomial model as the probabilistic model.Then the Markov property of the reward and punishment system is analyzed,and the process of steady state,stable premium and stable premium are analyzed.When we obtain a steady premium,which is equivalent to a certain extent,can determine the future of the insurance company may be the overall income premium,if we can know the insurance company may pay the future situation,you can have an insurance company's financial stability Roughly predict and prepare.We use the binomial logistic regression method and the insurance company's insured data to select the insured person driving age,age,gender,annual mileage and other seven factors,the establishment of risk prediction model,the model predicted by the insured The possibility of risk for the insurance company to predict the risk of payment to provide ideas and methods.In June 2016,auto insurance reform has been throughout the country.In this paper,the Markov transfer matrix is established,and the RSAL coefficient,coefficient of variation,ECL coefficient and so on are selected to evaluate the rewards and penalties.The new BMS is much more stringent than the fee-modified BMS,but the new BMS is more stringent than the new BMS for the new insured,Has a high stealth punishment.Finally,the auto insurance rate reform and improve the auto insurance rewards and punishments system to make recommendations to promote the healthy development of car insurance market.Automobile insurance reform has been implemented throughout the country,but for the reform of the note still need to pay attention to,car insurance reform makes the risk rating increased for premium drivers to reduce the premium,the greater the number of drivers punished increased risk for new entrants The driver of the stealth penalty is relatively improved,which is to better encourage the driver to develop good driving habits,reduce the risk of accidents,rather than to the number of dangerous drivers out of the car insurance market more,resulting in greater risk.In addition,considering the model of compensation amount,better use of the driver's information,risk grading refinement,is still the future direction of development,but also the future research direction of this paper.