现收现付保险：模型及其启示

IF 16.4 1区化学 Q1 CHEMISTRY, MULTIDISCIPLINARY

Accounts of Chemical Research Pub Date : 2022-08-11 DOI:10.1080/10920277.2022.2077220

Jiang Cheng, Frank Y. Feng, Xudong Zeng

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引用次数: 3

摘要

现收现付保险是一项令人兴奋的创新。我们从投保人效用最大化的角度建立了一个动态模型来研究PAYD保险。我们证明，PAYD保险确实通过减少支付的保费和增加汽车使用和财富带来的总效用而使投保人受益。付费保险还可以通过激励客户少开车来改善整体社会福利。我们说明，由于保费和行驶距离的凹度关系，PAYD保险在减少里程方面比燃油税更有效。最后，我们得出了里程的截止值，低于该值，使用传统保险的投保人应改用PAYD保单。我们的研究提出了一个可靠的理论框架，并证实了PAYD保险既有利于个人客户，也有利于整个社会。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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Pay-As-You-Drive Insurance: Modeling and Implications

Pay-as-you-drive (PAYD) insurance is an exciting innovation. We develop a dynamic model to study PAYD insurance from the policyholder’s utility maximization perspective. We demonstrate that PAYD insurance does benefit the policyholder by reducing premium paid and increasing the total utility derived from auto usage and wealth. PAYD insurance may also improve overall social welfare by incentivizing customers to drive less. We illustrate that PAYD insurance is more efficient than fuel tax in reducing mileage due to the concavity relation of premium and driving distance. Finally, we derive a cut-off value of mileage below which policyholders who drive with traditional insurance should switch to a PAYD policy. Our research proposes a reliable theoretical framework, and confirms that PAYD insurance benefits both individual customers and society as a whole.

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来源期刊

Accounts of Chemical Research 化学-化学综合

CiteScore

31.40

自引率

1.10%

发文量

312

审稿时长

2 months

期刊介绍： Accounts of Chemical Research presents short, concise and critical articles offering easy-to-read overviews of basic research and applications in all areas of chemistry and biochemistry. These short reviews focus on research from the author’s own laboratory and are designed to teach the reader about a research project. In addition, Accounts of Chemical Research publishes commentaries that give an informed opinion on a current research problem. Special Issues online are devoted to a single topic of unusual activity and significance. Accounts of Chemical Research replaces the traditional article abstract with an article "Conspectus." These entries synopsize the research affording the reader a closer look at the content and significance of an article. Through this provision of a more detailed description of the article contents, the Conspectus enhances the article's discoverability by search engines and the exposure for the research.