车辆保险中零索赔客户的随机风险分析— — —基于零膨胀泊松模型

Random Risk Analysis of Zero Claim in Vehicle Insurance— — —Based on Zero-inflated Poisson Model

摘要: 对车辆保险中的零索赔客户进行了研究.在分析零膨胀泊松模型的结构及思想的基础上,结合现实数据,给出了零索赔客户中的优良客户､潜在风险客户及其比率.使用该方法对零索赔客户进行统计推断分析,为保险人正确掌握零索赔客户的随机风险信息提供一定的理论依据.

Abstract: Zero claim customers in Vehicle Insurance was studied in this paper. Based on the real data, the excellent customers, potential risk customers and their ratio in zero claim customers were presented by combining with the analysis of the structure and the idea of the zero-inflated Poisson model. Using this method to analyze the results, a theoretical basis was provided for the insurer to grasp the random risk information about zero claim customers in the vehicle insurance.