摘要
共享汽车综合责任保险费率的设计可以了解共享汽车损失的从企业、从人因素,间接协助企业在车辆调度上、城市交通治理上具备效果。研究显示共享汽车使用经验与系统二维码的稳定性对于车祸机率都有显著的影响。再者,自驾游与上下班等用途的消费者,面临车辆质量有显著差异,导致自驾游目的的综合责任保险费率远低于全部样本。建议保险公司在设计保单时可以发展自驾游与上下班等用途的消费者不同费率的保险单,并且针对共享汽车使用经验长且优质的客户加以减费回馈。
The design of comprehensive liability insurance rate for shared vehicles can understand the factors of enterprises and people in the loss of shared vehicles,and indirectly assist enterprises in vehicle scheduling and urban traffic management.Research shows that the shared vehicle experience and the stability of the system QR code have a significant impact on the probability of car accidents.Moreover,consumers for self driving travel and commuting and other purposes face significant differences in vehicle quality,resulting in the comprehensive liability insurance rate for self driving travel is far lower than that of all samples.It is suggested that when designing insurance policies,insurance companies can develop insurance policies with different rates for consumers for self driving travel and commuting,and give fee reduction feedback to customers with long experience in sharing cars and high quality.
作者
周林毅
王玉凤
Zhou Lin-yi;Wang Yu-feng(Business School of Wuyi University,Fujian Wuyishan 354300)
出处
《内燃机与配件》
2023年第3期106-110,共5页
Internal Combustion Engine & Parts
基金
新时代智能金融高质量发展的实现路径研究,2021年度高校以马克思主义为指导的哲学社会科学学科基础理论研究项目(JSZM2021075)
智能金融发展中的重大风险防范体系研究,福建省高校哲学社会科学研究项目立项(JAS20378)
福建省福建省应用型慕课教学团队(SJTD201927)
武夷学院创新创业慕课教学团队(JG201913)。
关键词
共享汽车
综合责任保险
逻吉斯回归
Shared car
Comprehensive liability insurance
Logistics regression
