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定价是核保险中的核心问题。核电站财产损失险定价的原理包括:核电站危险单位的划分,核电站财产损失险理论费率的确定,核电站财产损失险实际费率的确定。根据纯费率确定方法的不同,核电站财产损失险分为三类定价模式:即关键风险因素定价模式、区位划分定价模式与分段定价模式。要准确科学地对核电站财产损失险进行定价,必须要有健全完善的核保险风险数据库,必须要有较强的风险检验能力,必须灵活运用核保险定价方法与综合考虑定价因素。
Pricing is the core issue in nuclear insurance. The principles of the pricing of property damage insurance of nuclear power plants include the division of dangerous units of nuclear power plants, the determination of theoretical rates of property damage insurance of nuclear power plants and the determination of the actual rates of property damage insurance of nuclear power plants. According to the different methods of determining pure rates, the property damage insurance of NPP is divided into three types of pricing models: the key risk factor pricing model, the location pricing model and the sub-pricing model. To accurately and scientifically determine the property damage risk of nuclear power plant, it is necessary to have a sound and complete database of nuclear insurance risk. It must have strong ability of risk inspection. It is necessary to make flexible use of nuclear insurance pricing method and comprehensive consideration of pricing factors.