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本文对我国五大保险公司的汽车保险奖惩系统进行比较分析,主要从平均最优自留额水平、瞬时弹性、收敛速度三个方面出发,指出了各个系统的特征和问题。
This paper compares and analyzes the automobile insurance rewards and punishments systems of the five largest insurance companies in our country, and points out the features and problems of each system from three aspects: the average optimal level of retention, instantaneous flexibility and convergence speed.