08公估考试复习重点第四章保险费率厘定原理（08 assessment exam review fourth chapter insurance ratemaking principle）.doc

08公估考试复习重点第四章保险费率厘定原理（08 assessment exam review fourth chapter insurance ratemaking principle） Section 1 principles of determining insurance premiums for property insurance I. insurance and insurance rates The insurance premium is the cost paid by the insured to the insurer for obtaining the insurance guarantee. The insurer establishes an insurance fund on the basis of the premium it receives, and makes economic compensation to the insured for the losses suffered by the insured event. The insurance premium is made up of the net premium and the additional premium. Net premium is mainly used for payment of insurance indemnity or payment of premium. The additional premium is mainly used for the operating expenses of the insurance business, including business tax, agency fees, enterprise management fees, wages and salaries, surcharges and depreciation of fixed assets, etc.. Similarly, the premium rate is made up of two parts, the pure rate and the additional rate. Two, the principle of determining premium rates (I) principle of fairness and reasonableness The premiums charged shall be equal to the risks they undertake, and the premiums for the insured shall be equal to those insured by the insured. (two) adequate principles The full principle is that the premiums paid are still partially retained after the payment of compensation, operating expenses and taxes. It can be seen that the insurance premium required by the full principle shall ensure the solvency of the insurer. (three) the principle of relative stability Relative stability refers to the stability of the rate at a given period. (four) promote the prevention principle First, it can reduce the indemnity of the insurer, and secondly, it can reduce the loss of the wealth of the whole society. Three, pure insurance premium rate determination The rate of property insurance is determined on the basis of the insured loss probability. (I) determination of the insured loss rate; The insured loss rate refers to the amou