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提出一种基于分类与增减相结合的费率厘定方法,首先确定工程的风险损失期望值,建立了以“商业费率=纯保费率×调整系数”为计算公式的分类费率厘定方法,由此得到相应的纯保费率和商业保费率,再经过多方协商加减利率,进而确定最终利率,并构建了该险种基本费率和调整系数的影响因素表,为工程质量安全保险费率的确定提供了具体的思路。
A method of rate determination based on the combination of classification and increase or decrease is proposed. First, the expected value of risk loss of the project is determined, and a classification rate determination method based on the calculation formula of “commercial rate = pure premium rate × adjustment factor” is established , Resulting in the corresponding pure premium rate and commercial premium rate, and then through multiple negotiations to cut interest rates, and then determine the final interest rate and build the basic types of insurance and adjustment factor of the impact of factors table for the project quality and safety insurance rates The definition provides a specific idea.