Research On Vehicle Insurance Rate Issue Based On Traffic Accident Data

In recent years,along with our country economic development and the promotion of people's living standard,China's auto market sales increase year by year,which promotes the creation of car insurance,and makes it got rapid development in the short term.Car insurance,as the name implies,is a responsibility for car insurance business.Auto insurance is part of the property insurance.With the development of our economy,more and more people believe that the vehicle is the necessary factor in life.For road traffic accident,however,a great chance exits.Vehicle owners are imposed to buy vehicle insurance.Since China's accession to the WTO organization,the country's auto manufacturing and sales the development which progresses by leaps and bounds.For the insurance industry,due to the injection of foreign companies,joint ventures,makes our country insurance market competition environment intensified.Although,is devoted to the reform of the insurance regulatory department,but the effect is no big difference.Therefore,for the study of for car insurance rates,also become the current hot spot.It is hoped that can through scientific theory to guide the development of the insurance rate marketization right.So,I research on the determinants of the vehicle insurance premium rate,the car insurance rate marketization development has played a significant role.It takes an insurance company for an example,based on road traffic accident data in Shenyang,focusing on the analysis of the decision problem,vehicle insurance premium rate,risk judgment and responsible for compensation,and put forward scientific vehicle insurance premium rate optimization model.It researches on a lot of traffic accidents related to subject literature and literature,vehicle insurance premium rate and the existing research results as the material of this topic.Research is mainly focused on the topic the related theory,such as traffic accident analysis and vehicle insurance premium rate analysis method.Analyzed the traffic accident data and lead to all kinds of factors affecting traffic accident,and the impact of the accident of vehicle insurance rate floating.And connecting with the working status of an insurance company,all kinds of problems and the cause of the problem analysis,build the vehicle insurance rate optimization strategy,this strategy is mainly based on a sampling analysis of the traffic accident data as the foundation,according to the process of the construction of the generalized linear model,build the vehicle insurance optimization strategy,the focus of this strategy is the strength of the claim process and verify,the optimization results are analyzed in the end.In addition,this thesis puts forward the car insurance rate optimization strategy can be generalized to other projects of the same type,therefore,generalized linear model in the application of vehicle insurance is not just limited to the car insurance rate on the set of its reserves in non-life insurance business,etc.have widely used state model,etc.