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从保险角度研究固有缺陷保险的可靠性指数和失败概率
Zeyu Chen1, Xikang Yan2,3, Lida Wang1,4
1School of Civil Engineering and Transportation, Hebei University of Technology, Tianjin 300401, China.
Heliyon
|February 26, 2024
概括
本质缺陷保险 (IDI) 是建设质量的金融工具. 本研究开发了一种可靠性模型来分析IDI索赔和评估保险公司风险,帮助科学决策.
科学领域:
- 建筑工程工程 建筑工程
- 金融风险管理 金融风险管理
- 保险数学 保险数学
背景情况:
- 生活水平的提高增加了对住房安全和舒适的需求.
- 本质缺陷保险 (IDI) 已成为建筑项目的质量保证.
- 中国的IDI正在增长,但其索赔机制缺乏深入分析.
研究的目的:
- 分析影响建筑质量相关保险索赔的因素.
- 构建一个可靠性模型,用于构建中固有的缺陷风险.
- 为保险公司的决策提供科学方法.
主要方法:
- 使用VOSViewers进行图书统计分析,以确定影响索赔的因素.
- 对固有缺陷的评估指数系统的开发.
- 应用PSO-LSSVR模型以适应固有的缺陷性能功能.
- 根据工程结构可靠性原则推导可靠性指数和故障概率.
主要成果:
- 建立了对固有缺陷的评估指数系统.
- 使用PSO-LSSVR模型开发了针对固有缺陷的性能函数.
- 来自IDI的可靠性指数和故障概率.
- 确定了承保政策,初始储备和风险水平之间的关系.
结论:
- 该研究为建筑质量的固有缺陷风险提供了一种可靠性模型.
- 从索赔的角度来看,分析了保险公司的抗风险能力.
- 提供科学分析方法和保险公司决策的理论基础.
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