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1991年大连推出了中国首份环境污染责任险保单,但由于赔付率低等问题销量逐步萎缩,以至退出市场。近年来环境污染事故频发、污染赔偿问题突出促使环污责任险试点工作于2008年再次启动。试点至今,高费率成为限制环污责任险发展的重要因素。为了缓解这一状况,国内部分保险公司引入了费率奖惩系统,分别基于索赔频率和赔付率。论文选取“稳态相对平均保费水平”、“保费变异系数”、“系统弹性”和“对新投保人的隐性惩罚”四个指标比较实务中存在的两类费率奖惩体系。研究结果表明基于赔付率的奖惩系统对风险的区分度更强,建议保险公司在环责险中引入基于赔付率的费率奖惩系统,谨慎设定费率最低折扣,并把环保检查、经验赔付率纳入费率奖惩系统。
In 1991 Dalian launched China’s first environmental pollution liability insurance policy. However, due to the problem of low payment ratio, sales volume has been gradually shrinking and even withdrawn from the market. In recent years, frequent environmental pollution incidents, pollution compensation prominently prompting the pilot work of environmental liability liability started again in 2008. Pilot so far, high rates become limiting the development of liability insurance risk an important factor. In order to alleviate this situation, some domestic insurance companies introduced a rate rewards and punishments system based on the claim frequency and the claim loss rate respectively. The paper chooses “relative average premium level of steady state”, “coefficient of variation of premium”, “system flexibility” and “implicit punishment of new applicant”. There are two types Rate rewards and punishments system. The results show that rewards and punishments based on the rate of payout differentiate risk more. It is suggested that insurance companies should introduce rewards and punishments system based on payout rate in ring risk insurance, set the minimum discounted rate prudently and pay attention to environmental inspection and experience payment Rate into reward system.