我国财产保险商品定价模式探讨..doc

我国财产保险商品定价模式探讨 摘要 与国外同类险种相比，目前我国的保险价格远远低于国际价格水平，而且定价方式较为混乱，深入分析我国产险市场定价的模式和成因，引导与完善其定价机制具有重要意义。本文的研究从分析产险商品价格的实质、价格构成及其变动机理，以及对国内外主要定价理论与模式进行了阐述、评价与借鉴出发，以供求关系及其变化为主线，综合考虑保险公司组织与治理结构、定价组织、经营策略以及产险市场宏微观结构等因素，对产险商品定价的主要影响因素进行了深入分析，并以市场均衡理论为指导，构建了我国产险商品的价格函数，对我国产险商品均衡价格的决定进行分析和刻画。在此基础上，从市场供求双方因素、纵向市场结构、信息不对称以及价格监管等方面对我国目前产险商品的定价机制及成因进行系统分析和评价;对我国产险市场发展以及价格监管趋势进行了分析、预测。以此为依据，提出完善我国产险定价机制与监管机制的相关政策建议。本文的突破点在于对我国产险定价机制的现状和发展进行分析，从保险人主观的经营决策和保险人之间的行为博弈来分析其定价模式，跳出了对损失分布模型的比较和讨论，并对市场和制度环境进行动态预测，引导合理的定价机制。不足之处就是不能详细地去深究一些具体的险种和定价模型，这还有待在以后的研究中进一步深化。 关键词:财产保险，费率，定价模式 Abstract The property insurance price in China was much lower than theinternational standard, and the price-making policy was a little confused.So it was important to analyze the patterns and reasons in theprice-making process, and perfect the pricing system in the insurance market. Based on the Analysis of the price meaning in property insurance market,composing factors and variabilities in price-making, this dissertation evaluated and commentated most of property insurance price-making Theories using both in China and aboard. Then, this dissertation built up the Products Price Functions in the China property insurance in china. Furthermore, this dissertation discussed the future development of property insurance market and the trend of the price supervision in China. Finally, this dissertation made the conclusion and suggestions in price-making, supervision system in China property insurance. The point of this thesis was to analyze the price-making patterns and its development, in the view of the insurer, decisions marking in competitions, departing from the discussion of Loss Chorology, dynamic forecasted the insurance market development, concluded a reasonable price making system. The deficiency was lack of applications, from the price-making patterns to the insurance products in practice. It would be a further research in the coming days. Keywords: Property Insurance, Charg, Price Model 第1章导言