| 基于驾驶行为的UBI车险定价虚拟仿真实验设计与实践 |
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| 引用本文： | 刘耘礽,刘禹,任聪.基于驾驶行为的UBI车险定价虚拟仿真实验设计与实践[J].中国现代教育装备,2021(7):31-33,36. |
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| 作者姓名： | 刘耘礽 刘禹 任聪 |
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| 作者单位： | 西南财经大学经济管理实验教学中心;西南财经大学保险学院 |
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| 基金项目： | 西南财经大学虚拟仿真实验教学项目“车联网大数据情境下驾驶者行为虚拟仿真实验”(编号:XF2019ZD03);西南财经大学研究生教育教学改革专项“虚拟仿真技术在保险精算课程教学中的探索与实践”(编号:2021YJG043)。 |
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| 摘 要： | 为克服UBI车险定价理论教学中学生在数据认知、处理和建模方面的实践欠缺,运用大数据与虚拟现实技术,开发设计基于驾驶行为的UBI车险定价虚拟仿真实验,为学生提供完整的驾驶风险评估和UBI车险实践平台。学生通过完成驾驶行为数据获取、UBI车险数据处理、风险建模和优化、车险经营模拟4个方面的实验内容,能够将UBI车险定价理论知识应用于实践操作,促进专业理论与实践操作的紧密融合。
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| 关 键 词： | 驾驶行为 UBI 虚拟仿真 实验教学 |
Virtual Simulation Experiment Design and Practice of UBI Auto Insurance Pricing Based on Driving Behavior |
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| Liu Yunreng,Liu Yu,Ren Cong.Virtual Simulation Experiment Design and Practice of UBI Auto Insurance Pricing Based on Driving Behavior[J].China Modern Education Equipment,2021(7):31-33,36. |
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| Authors: | Liu Yunreng Liu Yu Ren Cong |
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| Institution: | (Economic Management Experimental Teaching Center,Southwestern University of Finance and Economics,Chengdu,611130,China;School of Insurance,Southwest University of Finance and Economics,Chengdu,611130,China) |
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| Abstract: | In order to overcome the lack of practice in data cognition,processing and modeling in the teaching of UBI auto insurance pricing theory,we use big data and virtual reality technology to develop a virtual simulation experiment of UBI car insurance pricing based on driving behavior.Students complete the four aspects of experimental content:driving behavior data acquisition,UBI auto insurance data processing,risk modeling and optimization,and auto insurance business simulation,to promote the integration of professional theory and practical operation. |
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| Keywords: | driving behavior UBI virtual simulation experimental teaching |
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