关键词: 组合赋权法, 公共建筑火灾, 保险费率厘定, 风险评价, 保费精算

Abstract: In order to address problems of unknown fire risk index weight and rough fire insurance rate determination method for public buildings in China, a targeted fire risk assessment model was established considering factors such as structural design of insured subjects and fire risk management. Secondly, ideal point theory was utilized to improve combination weighting method, and fire insurance premium rates were determined by using assessed fire risk coefficients based on characteristics of modern public buildings and calculation principle of the rates. Finally, with 3 large department stores in Beijing as an example, improved method was compared with linear weighted and multiplication normalization methods before its rate was calculated. The results show that improved combined weighting method effectively reduces uncertainty of existing method in subjective judgment coefficients, and minimizes distance between subjective and objective weights and ideal point. It is suitable for improving existing actuarial methods of fire insurance rates with calculated result of target premium being consistent with its fire risk status.

Key words: combination weighting method, public building fire, premium determination, risk assessment, combination of empowerment, premium actuarial