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Research on Risk Classification Based on AHP in Automobile Insurance

机译:基于层次分析法的汽车保险风险分类研究

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Risk management plays an important role in automobile insurance. Risk classification is the first step in risk management. In order to classify the risk levels of the insured, we provide Analytic hierarchy process(AHP) to identify the risks. Firstly risk factors of automobile accidents are identified according to the theories of accident causation. Then AHP is used to calculate the weighs of risk factors. The results show that five factors are the most important in traffic accidents. So we establish a risk survey table to classify the insured's risk level based on the five factors. By using risk survey table to classify the insureds' risk levels, insurance companies can take targeted measures to reduce the accident rate.
机译:风险管理在汽车保险中起着重要作用。风险分类是风险管理的第一步。为了对被保险人的风险等级进行分类,我们提供了层次分析法(AHP)来识别风险。首先根据事故因果理论确定了汽车事故的危险因素。然后将层次分析法用于计算风险因素的权重。结果表明,五个因素是交通事故中最重要的因素。因此,我们建立了一个风险调查表,根据五个因素对被保险人的风险等级进行分类。通过使用风险调查表对被保险人的风险等级进行分类,保险公司可以采取有针对性的措施来降低事故率。

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