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有关考虑索赔大小的BMS理论研究已比较成熟,但目前除韩国外,世界上其他国家的保险公司在设计机动车保险的BMS时,都未考虑索赔大小。不考虑索赔大小的BMS存在很多弊端,将来会有越来越多的保险公司采用考虑索赔大小的BMS。本文试着建立了一个考虑索赔大小的机动车保险BMS的应用模型,并就此应用模型进行分析,包括转移矩阵、稳定分布、等级保费的确定等,最后做了实证分析。此模型具有比较好的科学性和操作性,具有一定的理论与实践价值。
BMS theoretical research on the size of claims is relatively mature. However, at present, except for South Korea, insurance companies in other countries in the world have not considered the size of the claim when designing BMS for motor vehicle insurance. There are many drawbacks to BMS without considering the size of the claim, and in the future more and more insurers will adopt a BMS that considers the size of the claim. This paper tries to set up an application model of vehicle insurance BMS considering the size of the claim, and then analyzes the application model, including the transfer matrix, the stable distribution, the determination of the grade premium and so on. Finally, an empirical analysis is made. This model has a good scientific and operational, with some theoretical and practical value.