【作者】 陈建芳； 唐琦； 沈喆颋；

【Author】 CHEN Jianfang, TANG Qi, SHENG Zheting(Institute of Mathematics, Fudan University, Shanghai 200433)

【机构】 复旦大学数学研究所；

【摘要】 从驾驶员相关信息,即年龄、性别、驾龄、人员类型、单位所属行业、驾驶员类型等属性变量中寻找对事故严重程度(即每人每次损失额)有显著影响并能有效区分不同风险水平的风险分级变量,运用一定的数学模型和两步分级的方法确定各风险分级变量的风险等级(风险系数),供机动车辆保险定价作参考.更多还原

【Abstract】 Based on the automobile traffic accident data, this paper tries to find some driver factors, such as age, sex, driving year, person type, industry type, driver type, which may influence the severity of a traffic accident and efficiently distinguish risk levels. And these chosen factors are named after risk classification variables. The process of choosing the risk classification variables and calculating the risk coefficients that present different risk levels is given.更多还原