| 基于汽车保险数据评价乘用车安全性方法研究 |
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| 引用本文： | 张海洋,杨震,胡文浩,何宇桐.基于汽车保险数据评价乘用车安全性方法研究[J].汽车实用技术,2021(2). |
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| 作者姓名： | 张海洋 杨震 胡文浩 何宇桐 |
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| 作者单位： | 浙江省汽车安全技术研究重点实验室;国家市场监督管理总局缺陷产品管理中心;上海联合道路交通安全科学研究中心 |
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| 摘 要： | 文章结合国内外汽车安全技术的发展,选择与设定主动安全、被动安全、耐撞性与维修经济性三方面评价车辆安全性能的具体指标,并基于交通事故环境挖掘了人、时间、地域等影响安全评价的其他因素;利用层次分析法与专家调研法,确定评价车辆安全性能指标的权重,构建出评价车辆安全性能的有效算法,并分析了算法的可行性;基于某大型保险公司2016与2017两年的保险事故理赔数据,选取市场保有量高的乘用车辆数据进行实例分析,计算车辆安全的各项具体指标,得出最终的评价结果。
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| 关 键 词： | 汽车安全性评价 汽车保险事故理赔 层次分析法 专家调研法 |
Research on the method of evaluating passenger car safety based on automobile insurance data |
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| Authors: | Zhang Haiyang Yang Zhen Hu Wenhao He Yutong |
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| Institution: | (Key Laboratory of Automobile Safety Technology of Zhejiang Province Geely Automobile Research Institute,Zhejiang Ningbo 315336;SAMR Defective Product Administrative Centery,Beijing 100101;Shanghai United Road Traffic Safety Scientific Research Center,Shanghai 201804) |
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| Abstract: | Based on the development of automobile safety technology,this paper selects and sets the specific indexes of active safety,passive safety,crashworthiness and maintenance economy to evaluate the safety performance of vehicles,and excavates other factors affecting the safety evaluation,such as people,time and region,based on the traffic accident environment;uses the analytic hierarchy process and expert research method to determine the weight of the indexes to evaluate the safety performance of vehicles Based on the insurance accident claims data of a large insurance company in 2016 and 2017,this paper selects the passenger vehicle data with high market share for example analysis,calculates the specific indicators of vehicle safety,and obtains the final evaluation results. |
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| Keywords: | Automobile safety evaluation Automobile insurance accident claims Analytic hierarchy process Delphi method |
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