Design Of The Locistics Liability Insurance Rating Of A Insurance Company

With the continuous development of modern logistics in China,logistics risk is valued by more and more enterprises,among which logistics liability risk is one of the main risks faced by logistics enterprises.The emergence of logistics liability insurance has greatly reduced the operational risks of logistics enterprises.However,the development of logistics liability insurance in China is not optimistic.Due to the influence of China's legal problems and the concept of people's backwardness,the promotion of insurance itself in China is relatively slow.In addition,the time for the development of modern logistics in China is relatively short,and the time for designing and developing logistics liability insurance products is not long.The problem of the product itself is particularly prominent in the current market environment.First of all,the insurance company lacks relevant professional talents and does not know enough about the operation of modern logistics.Therefore,the liability of the designed logistics liability insurance products is narrow.Secondly,due to the lack of a scientific risk assessment system and rate adjustment rules,the insurable risk judgment of logistics enterprises is not accurate enough,and the calculated insurance premiums are too high,exceeding the expectations of logistics enterprises.Therefore,the design of logistics liability insurance products,the public recognition is low.The above series of questions all indicate that China's logistics liability insurance products have serious problems in determining the rate.There is a lack of a mature rate determination scheme to constrain the underwriting process of logistics liability insurance,so how to design science A reasonable logistics liability insurance rate determination plan has become an urgent problem for the current insurance company.In order to meet the needs of the logistics market,this paper takes A insurance company as an example to analyze the current situation of logistics liability insurance underwriting and the problems of the product itself,and does the following research on how to solve the problem:(1)in view of the risks faced by logistics enterprises,the comprehensive use of flowchart method,analytic hierarchy process and other methods to comprehensively sort out the possible risks in the daily operation of logistics enterprises,and then identify and classify these risks,and finally determine a more reasonable scope of insurable liability;(2)on the basis of a reasonable insurable range,through the establishment of logistics enterprises insurable liability risk evaluation index system,using the rough set principle of logistics enterprises risk knowledge reduction,calculate theobjective weight of risk indicators,and combined with subjective weighting method to determine the comprehensive weight;Then,through fuzzy comprehensive evaluation of interval number of multi-level attributes,the risk level of logistics enterprises is determined,so as to determine the basic rate of logistics liability insurance,and establish an improved NCD system model based on the total amount of premium,the number of claims,and the total amount of claims for dynamic adjustment of the basic rate.Finally,this paper designed a more scientific and reasonable logistics liability insurance rate determination plan for A insurance company,and applied the solution to the actual underwriting process of logistics liability insurance through a case,so as to improve the insurance enterprise's insurance awareness and risk management and control capabilities,to effectively reduce the business risk of logistics enterprises,so that logistics liability insurance as a new type of insurance rapid development,to achieve a win-win situation for logistics companies and insurance companies.