| 摘要 |
PROBLEM TO BE SOLVED: To provide a rational net premium calculation method corresponding to the individual risk characteristics of objects to be insured. SOLUTION: The net premium calculation method is provided with a step 1 of receiving one or more objects to be insured for each contractor and preserving them in a storage means by using a computer, a step 2 of calculating a generation probability for each risk factor on the basis of the result of analyzing a risk profile indicating the characteristics of the risk factor beforehand by a statistic approach or a structure model approach by using an individual risk mode, a step 3 of calculating a loss ratio for each risk factor on the basis of the result of the previous analysis, a step 4 of receiving insurance merchandise design data for each contractor, a step 5 of calculating risk distribution on the basis of the generation probability, the loss ratio and the insurance merchandise design data, and a step 6 of calculating a net premium on the basis of the risk distribution. |
