Research Of Residence Quality Controlling Insurance Mechanism System

Residence quality controlling insurance mechanism, a new type of insurance, comes out problems such as high rate and no grade difference. As a result, there is an immediate significance to research it for decreasing arbitrariness and uncertainty when people determine the rate. This paper aims to research the determined system of residence quality controlling insurance mechanism rate.This paper, studying its formation, determined principle and methods and mathematical foundations, puts forward a definite method of residence quality controlling insurance mechanism personalized rate, which is to make sure the average premium by mathematical statistics for its commonality, and, on that basis, to confirm basic premium through project's risk level for individualities, and adjust coefficient of rewards and punishment to achieve. In the end, this paper analyzes its feasibility in the form of cases.Based on some scientific methods to build the scientific residence quality controlling insurance mechanism, can stipulate model of quality guarantee insurance will play a positive role, Can improve the quality of engineering unit level, Also can have the effect that risk sharing so as to ensure the rights and interests of consumers.