| 我国汽车事故损失率影响因素分析 |
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| 引用本文： | 李冰清,黄秋菡,沈圆江.我国汽车事故损失率影响因素分析[J].预测,2006,25(5):55-59. |
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| 作者姓名： | 李冰清 黄秋菡 沈圆江 |
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| 作者单位： | 南开大学,保险系,天津,300071 |
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| 摘 要： | 汽车事故损失率主要由损失频率和次损失强度两方面构成，本文通过对我国1991至2003年公共数据进行实证分析得到影响汽车事故损失率的各种因素，认为私车比重、高速公路比重、GDP、汽车价格以及医疗成本是影响我国汽车事故损失率的重要影响因素，并对如何控制汽车保险经营风险提出了相应的建议。
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| 关 键 词： | 汽车事故损失率 事故发生频率 损失强度 |
| 文章编号： | 1003-5192（2006）05-0055-05 |
| 收稿时间： | 2006-01-19 |
| 修稿时间： | 2006-01-19 |
Factors Analysis of the Loss Rate of Automobile Accident in China |
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| LI Bing-qing,HUANG Qiu-han,SHEN Yuan-jiang.Factors Analysis of the Loss Rate of Automobile Accident in China[J].Forecasting,2006,25(5):55-59. |
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| Authors: | LI Bing-qing HUANG Qiu-han SHEN Yuan-jiang |
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| Institution: | Department of Insurance, Nankai University, Tianjin 300071, China |
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| Abstract: | The loss rate of automobile accident consists of the accident frequency and loss intension each time. We introduce the important factors, such as the rate of private car, Highway, GDP, Auto price and medical cost, which influence the loss rate of automobile accident according to the analysis of public data from 1991 to 2003, and also give related suggestions on how to control the risk of auto insurance. |
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| Keywords: | loss rate of automobile accident accident frequency loss intension |
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