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che xian tiao kuan fei lv guan zhi gai ge xu yi ren wei ben
Author(s): 
Pages: 85
Year: Issue:  5
Journal: Economic Monthly

Abstract: 随着汽车走入千家万户,汽车保险越来越受到人们的关注.传统的车辆保险条款和费率定价暴露许多问题,除了根据车辆基本用途划分为商用和自用之外,同一类型的车辆不分驾驶员状况、车辆行驶区域、年均行驶里程,基本采用统一的费率标准,这种定价标准被称之为从车原则,即车辆保险定价因素只考虑车,而不考虑人的因素.在从车原则下形成的车辆保险保费定价,导致连续多年出险和从未出险的同品牌车辆的保费差距最多30%.对于保险公司而言,未出险的客户为保险公司创造利润,多年出险的客户让保险公司“倒贴”.于是,车险市场出现了80%优质客户支付的保费成为20%高风险客户赔款的怪现象.
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