如何确定货运险的费率?
1、坚持市场导向原则和兼顾效益原则。不同的保险产品都要根据市场情况来考虑,包括交通运输状况、保险深度、主体数量和竞争状态等,受这些因素影响,货运险的费率会保持在一个水平上。货物运输保险费率的确定,有其内在规律,即主要有纯风险损失率和必要的成本费用率构成,如果货运险的费率低于其水平,就会造成经营上的不稳定,或是亏损,所以,确定货物运输保险费率时也要充分考虑赢利因素。
1, adhere to the market-oriented principle, and paying attention to
the principle of benefits. Different insurance products according to
market conditions, including transportation, insurance depth, number of
main body, and the competition status, etc., are influenced by these
factors, freight insurance rates will remain at the same level.
Determination of cargo transportation insurance rates, have its inherent
law, which mainly composed of pure risk loss rate and the necessary
cost fee, if the freight rate is lower than the level of risk, will
cause instability in business, or loss, so the cargo transportation
insurance premium rate also should fully consider the profit factor.
2, considering the regional differentiation and relatively stable,
the logistics company freight insurance compared with other risk in its
own way, that is often under movement or transfer of freight insurance
of insurance mark, the actual control of goods also change constantly,
so the freight insurance business flow between different regions is the
largest also