具有泛广义非线性框架的车险精算费率系统及相关风险研究

Vehicle insurance pricing, as one of the core issues in actuarial science, affects the profitability and cash flow of insurance companiesMotility. This literature review provides a brief overview of the development of car insurance in different regions and discusses the proposed car insurance ratesHistory related to issues such as fixed systems, special car insurance pricing, no claim discount reward and punishment theory, and reserve evaluation methodsHistorical research.This literature review takes statistical distribution and model structure as the entry point, analyzes the specific operational logic of the model, and discusses the utilization ofTweedie distribution family establishes a pricing model for index insurance, using generalized additive model and LocalGLMnet modeling methodWaiting for literature on establishing pricing frameworks and reserve assessments based on most methods of the frequency school and Bayesian schoolConcentrated discussion. In order to demonstrate the application effect of risk modeling thinking on real business, this article also includes BMS systemExploring a Risk Dynamic Adjustment Mechanism in Vehicle Insurance Based on Relevant Literature such as GAM Reserve Evaluation ModelThe construction method. In terms of reserve research, literature on evaluation methods for homogeneity and heterogeneity assumptions includesTraditional methods such as chain ladder method are used to predict and model overall accident compensation data, as well as existing algorithm modelsOn the basis of the model, machine learning techniques are used to improve the model and predict and model individual accident compensation data.In addition to general car insurance, research and exploration have also been conducted on weather index insurance, and remote sensing data and land use have been utilizedEstablish a multidimensional input method for surface observation data to improve the models ability to identify extreme weather events. Empirical findingsNow, the model performs well in terms of compensation stability and regional risk differences.Based on the data level, this literature review selected real data on vehicle insurance and weather insurance claims asAs an example study, a control group was set up for different modeling methods to compare the similarities and differences in prediction performanceAnalysis and evaluation. This article focuses on constructing a replicable and generalizable insurance modeling method in the field of property insuranceTaking into account various factors such as regulation and data modeling, we aim to enhance the quantitative pricing capability of property insurance companies in order to promoteThe property insurance industry has gained new practical experience and theoretical basis in digital transformation, pricing and actuarial science.