201028948 六、發明說明： . 【發明所屬之技術領域】 本發明係有關於一種風險量化系統與方法，特別是指一 • 種應用於商業火災保險的風險量化系統與方法。 【先前技術】 由於商業火災風險具有不同行業風險差異性大、發生頻 率低且損失金額不確定性高之特性。一般而言，業主均會依 政府相關要求安裝各類消防安全設備，來降低火災風險損 失。唯企業或政府於基本消防安全設施的既有要求以外，亦 會利用火災保險來分散風險。保險之主要功能在於集結眾多 人之少數資金，提供給發生重大事故的少數人以補償其損 失，若能適當安排與規劃風險，將可有效降低政府單位或企 業主於少數單位遭受意外時所造成之損失。傳統上商業火災 保險風險量化是以統計方式，依照不同行業與不同建築物等 ，，訂定不同分類群組之平均損失，由精算統計人員提供固 定之收費表單來量化個別承保客戶應負擔之火險保費。唯此 風險計算方式將行業類別分成683類，並採五種建築物等 級，，市場之火災風險分類成3415個風險群組，每一群組分 別統計其平均風險成本，此風險分類方式使每一群組樣本數 過少而造成統計上信賴度降低。傳統商業火災保險 $氕包含火災、爆炸引起之火災、閃電縣與其 =° ^災與爆炸引起之火災破與不同之行業別有統計之正相 ^然而閃電雷擊屬於天錢害性風險，其風險發生頻率斑 =業主所在地理位置有正相關，然而目前傳統商業火災保^ 險客:所在地點所造成風險之差異。傳統“業火‘保 3月^仃_別與建物等級作分類，但實際上個別被保險 =之火炎風險損失金額大小，會因個別被保險人之安全設 現％可燃物與投保金額分佈狀況而有所不同，因此每一 2 201028948 被保險人會有個別不同之火災所造成之最大可能損失，其差 .異亦會影響火災保險的風險成本。傳統商業火災保險之&險 •量化，目前並未考量最大可能損失所造成風險成本之影響。 •傳統之火災風險量化，因只能提供某一風險分類群組之平均 風險成本值，無法提供被保險人不同金額損失下之機率大 小，亦無彳之瞭解保險需求上之投保金額如何規劃，方能滿足 不同客戶需求。 一 曰職，之故，申請人經不斷悉心試驗，提出本案「火災風 險1化系統與方法」以解決傳統火災風險量化方法之種種缺 失。 、 【發明内容】 鐘於上述傳統商業火災保險之缺點，本發明之一 一 災風險量化魏，其可提供4化不同條件 下商業火X風險發生之危害損失預估結果。 •根據上珊想，本發明之火践險量化㈣包括：一運 業火災保險資料庫、—火災風險量化分析模型、 該運算仏業火災保險資料庫耦接至 筆災鎌歷史資料；該火災風 接至該運算器，根據商業火災保險單内 仅伽險公司所建置之商業火災保險資料庫中之$史承 ^ ί ΐ運算器而對商業火災保險之出險發生 供—使用者透，該操作介面減至該運算器，其 新棱太，火炎風險量化分析模型之分析結果。 根據本發明之一較佳構想，其中該火 預測模型與-損失嚴重度預測模型 根據本發明之-較佳構想，該祕巾進行魏卡絲值 201028948 被保險人會有個別不同之火災所造成之最大可能損失’其差 ，亦會影^火災保險的風險成本。傳統商業火災保險之風險 量化，目前並未考量最大可能損失所造成風險成本之影響。 傳統之火災風險量化，因只能提供某一風險分類群組之平均 風險成本值，無法提供被保險人不同金額損失下之機率大 小，亦無從瞭解保險需求上之投保金額如何規劃，方能滿 不同客戶需求。 窃職，之故，申請人經不斷悉心試驗，提出本案「火災風 險1化系統與方法」以解決傳統火災風險量化方法之種種缺201028948 VI. Description of the Invention: [Technical Field of the Invention] The present invention relates to a risk quantification system and method, and more particularly to a risk quantification system and method for commercial fire insurance. [Prior Art] Since commercial fire risk has different characteristics of different industry risks, low frequency of occurrence and high uncertainty of loss amount. In general, the owners will install various types of fire safety equipment in accordance with relevant government requirements to reduce the risk of fire damage. In addition to the existing requirements of the basic fire safety facilities, enterprises or governments will also use fire insurance to spread the risks. The main function of insurance is to collect a small number of people's funds and provide them to a small number of people who have suffered major accidents to compensate for their losses. If they can properly arrange and plan risks, they will effectively reduce the accident caused by government units or business owners in a few units. Loss. Traditionally, commercial fire insurance risk quantification is based on statistical methods. According to different industries and different buildings, the average loss of different taxonomic groups is determined. Actuarial statisticians provide a fixed fee form to quantify the fire risks that individual underwriting customers should bear. Premium. The risk calculation method divides the industry category into 683 categories and adopts five building grades. The fire risk of the market is classified into 3,415 risk groups, and each group separately counts its average risk cost. The number of samples in a group is too small, resulting in a decrease in statistical reliability. Traditional commercial fire insurance $氕 contains fires, fires caused by explosions, lightning counts and fires caused by explosions and explosions. There are statistics in different industries. However, lightning strikes are risky risks. Frequency of occurrence = There is a positive correlation between the geographical location of the owner, but the current traditional commercial fire insurance: the difference in risk caused by the location. The traditional "business fire" guarantees March ^ 仃 _ not related to the construction level, but in fact the individual insurance = the amount of risk of fire damage, will be due to the safety of individual insureds, the amount of flammable materials and the amount of insurance coverage The difference is that each 2 201028948 insured person will have the greatest possible loss caused by a different fire, and the difference will also affect the risk cost of fire insurance. Traditional commercial fire insurance & insurance • Quantification, currently The impact of the risk cost caused by the maximum possible loss is not considered. • The traditional fire risk quantification, because it can only provide the average risk cost value of a certain risk classification group, and cannot provide the probability of the insured’s loss of different amounts, nor彳 了解 了解 了解 了解 了解 保险 保险 保险 保险 保险 保险 保险 保险 保险 保险 保险 保险 保险 保险 保险 保险 保险 保险 保险 保险 保险 保险 保险 保险 保险 保险 保险 保险 保险 保险 保险 保险 保险 保险 保险 保险 保险 保险 保险 保险 如何 如何 如何 如何 如何 如何 如何Various methods are missing. [Summary of the Invention] In the above-mentioned shortcomings of the traditional commercial fire insurance, one of the present inventions is to quantify the risk of disaster, which can provide a prediction result of the damage caused by the commercial fire X risk under different conditions. According to Shang Shan, the quantification of fire risk insurance (4) of the present invention includes: a transportation fire insurance database, a fire risk quantitative analysis model, and the computing industry fire insurance database coupled to the pen disaster historical data; the fire The wind is connected to the computing device, and the commercial fire insurance is generated by the user in accordance with the business history insurance insurance database built by the Gambling company in the commercial fire insurance policy. The operation interface is reduced to the operator, and its new edge is too much, and the analysis result of the flame risk quantitative analysis model. According to a preferred concept of the present invention, wherein the fire prediction model and the loss severity prediction model are in accordance with the present invention, the secret towel is subjected to a Weikkas value of 201028948, and the insured person may have a different fire. The biggest possible loss, the difference, will also affect the risk cost of fire insurance. The risk of traditional commercial fire insurance is quantified, and the impact of the risk cost caused by the largest possible loss is not currently considered. Traditional fire risk quantification, because it can only provide the average risk cost value of a certain risk classification group, can not provide the probability of the insured's loss of different amounts, and can not understand how to insure the insured amount of insurance demand. Different customer needs. In the case of smuggling, the applicant has been continually and carefully tested and proposed the "Fire Risk 1 System and Method" in this case to solve the various shortcomings of the traditional fire risk quantification method.
【發明内容】 鑑於上述傳統商業火災保險之缺點，本發明之一第一構 想提供—歡災驗量化祕，其可提供量化不同條件 下商業火災風險發生之危害損失預估結果。 〜根據上述構想，本發明之火災風險量化系統包括：-運 鼻，、-商業火災保險資料庫、—火災風險量化分析模型、 輸出模組。該商業火災保險資料庫雛至 it有多筆商業火災保險歷史資料；該火災風 刀析模_接至該運算器，根據商業火災保險單内 二?ίίϊ公司所建置之商業火災保險資料庫中之歷史承 ’ 運算器而對商業火災保險之出險發生 值模擬與敎分析；該操作介面_至該運算器，豆 過該J祕介面進行簡易操作;該輸出模組係耦 接iiri’現該火災風險量化分析模型之分析結果。 型包較佳構想’其中該火災風險量化分析模 過測模型與一損失嚴重度預測模型，其透 盗而對商業火災保險之出險發生進一步進行蒙地卡 羅數賴贿敎分析。。 wwr 根據本發明之—較佳構想，齡統巾進行蒙地卡羅數值 3 201028948SUMMARY OF THE INVENTION In view of the above-mentioned shortcomings of the conventional commercial fire insurance, one of the first contemplations of the present invention provides a quantification quiz, which provides a quantification of the damage prediction result of commercial fire risk under different conditions. According to the above concept, the fire risk quantification system of the present invention includes: - a nose, a - a commercial fire insurance database, a fire risk quantitative analysis model, and an output module. The commercial fire insurance database has a number of commercial fire insurance historical data; the fire wind knife is extracted to the computing device, and the commercial fire insurance database is built according to the company's commercial fire insurance policy. The history of the 'instrument' and the commercial fire insurance risk occurrence simulation and 敎 analysis; the operation interface _ to the operator, the bean through the J secret interface for easy operation; the output module is coupled to iiri' The analysis result of the fire risk quantitative analysis model. The package is better conceived, in which the fire risk quantitative analysis model and the loss severity prediction model, and the burglary and commercial fire insurance outbreaks are further analyzed by Monte Carlo. . Wwr according to the invention - a preferred concept, the age of the towel to carry out the Monte Carlo value 3 201028948
呈現該火义保險量化分析模型之分析結果； 模組係一報表產生器。 之—第二構想在於提供—種火災風險量化方法， 法。括步驟：建立—筆待量化之保險資料；保單資料建 立，’透過保險公司所建置之商業火災保險資料庫，以所得 之員失事件酬模型觸失嚴重度預賴型，將被保險人之 個別保險資测模型計算得出數值分析參數；接著利用 ^述參數再進-步進行數健賴算分析，絲了運算個別 被保險人之商業火災保險出險次數外，亦可運算災害所造成 之^危害度金額贿生—分析絲；以及輸Λ該分析結果。 *較佳為，本發明之方法中所進行之數值模擬與損失分析 係蒙地卡羅數值模擬分析。 根據上述構想，本發明之方法係對商業火災保險之出險 發生的進行蒙地卡羅數值模擬分析，以產生商業火災保險之 一出險發生機率與一損失金額統計數值模式參數。 根據上述構想，本發明之方法係對商業火災保險之出險 發生的進行蒙地卡羅數值模擬分析，以產生已投保商業火災 保險與未投保之火災平均損失與不同損失金額下之一超越或 根據上述構想’所述待量化之保險資料的内容包括：標 的廠址位置、使用性質、基地建築面積、總樓板地面積、投 保金額、最大可能損失、可能最大損失、消防系統覆蓋率、 201028948 :ί ?留ism、額外費用附加、額外費用限額、保險 y該分析結果細圖表化方式輸出。 透過======··_分析結果， 損失金額之餘度。賠事件的酬獅計算一發生 根據本發明之系統與方法，首先 r與各區域閃電擊歷史統計資料與損失Presenting the analysis result of the quantitative analysis model of the fire insurance; the module is a report generator. The second idea is to provide a method for quantifying fire risk. Steps: Establishing - the insurance information to be quantified; the policy information is established, 'through the commercial fire insurance database built by the insurance company, the insured person will be compensated for the loss of the compensation model. The individual insurance measurement model calculates the numerical analysis parameters; then uses the parameter to further calculate the number of health calculations, and calculates the number of commercial fire insurance accidents of individual insured persons, and can also calculate the disaster caused by the disaster. The amount of harm is a bribe--analysis of silk; and the result of the analysis. * Preferably, the numerical simulation and loss analysis performed in the method of the present invention is Monte Carlo numerical simulation analysis. According to the above concept, the method of the present invention performs Monte Carlo numerical simulation analysis on the occurrence of commercial fire insurance to generate a risk occurrence probability of commercial fire insurance and a loss amount statistical value mode parameter. According to the above concept, the method of the present invention performs Monte Carlo numerical simulation analysis on the occurrence of commercial fire insurance to generate an average of the insured commercial fire insurance and the uninsured fire average loss and the amount of different losses. The above conception includes the contents of the insurance information to be quantified including: the location of the target site, the nature of use, the area of the base building, the area of the total floor, the amount of insurance, the maximum possible loss, the maximum possible loss, the coverage of the fire protection system, 201028948 :ί ? Remaining ism, additional fee surcharge, additional fee limit, insurance y The analysis result is output in a fine graphical manner. Analysis of the result by ======··_, the margin of loss. The calculation of the lion's compensation event occurs according to the system and method of the present invention, first r and the lightning statistics of various regions and historical data and losses
嚴重产函ϋίί:別被保險人出險機率函數、與出險損失 不同二_Λΐΐ之預峨型。利用該保險資料所輸入之 額、保險特別約定條件、地理位置與 ii來進行風險量化，以利進行金融保險風險 明並利用數健擬方法，輔以過往歷史承 ϊΐίίΐί所取狀參紐行舰量齡析’魏值模擬 ^果可刀別侍到平均風險損失及不同損失金額之超越或然 本案得藉由下列圖示及詳細說明，俾得一更深入之了解： 【實施方式】 >本發明之其它的目的、特徵及優點從下列較佳實施例的 =細描述中將變得顯而易見。然而，應該要瞭解的是該細的 描述及特定的例子僅為例示性的說明並且各種修正、等同及 替代皆可以實施而不違背本發明之申請專利範圍之内容。 請參閱第一圖，其係一流程圖，說明了根據本發明一較 佳實施方式之火災風險量化方法10的步驟。 次首先’透過操作介面而建立一商業火災保單之個別保單 資料（步驟102)，保單資料中包括標的廠址位置、使用性 質、基地建築面積、總樓板地面積、投保金額、最大可能損 失、最大可能損失、消防系統覆蓋率、自負額、最低自負額、' 5 201028948 3容==費用限額、保險公司自留或避雷系統等 以所得之損失事件預測模型與損失嚴重度 數值人之個別保險資料經預測觸算得出 ϊϋί數（步驟1〇4、步驟1〇6);接著利用上述參數再 甘^乂進:蒙地卡羅法之數值模擬運算分析（步驟108)， 算個別被保險人之商業火災保險出險次數外，亦可 所造成之損失危害度金額。藉由步驟_之運算結 之㈣保商敎災保險之平均損失料關失金額下 ❿ 並另ΐ據保單所輸入之保險責任範圍進行再 ^ 已投保商業火災保險之平均損失與 ΐ額下超越或鮮（步驟_。最後輸出上述分 析結果以供使用（步驟112)。 夕会ίΪ明ί前述商業火災驗量化方法可藉由第二圖所示 之糸統予以實施。請參閲第二圖，其係 以 較式之火災風險量化系統G成 ^配口參閱第二圖至第五圖，其更分別呈現了本發明 方式之火災風險量化系統的操作介面示意圖、該商業 =量ί系統的輸出結果之-，以及由本發明之系 析斤付之損失金額與超越或然率對應圖。 運糞=圖二示J ί，明之火災風險量化系統20主要係由 業 險資料庫204、火災風險量化分析模 i 206 ^呆作；丨面208與輸出模組21〇等建構而成。 運算器202 _操作介面肅、商業火災保險資料庫204 206' 運异知序。操作面208提供使用者簡易的操作方式 火！^保險ί料庫204提供關於發生商業火災保險歷史事^，、 火災風險量化分析模型2G6針對商業火災 =火2322°4触歷史承保與損失 依據，並透過運异202進行商業火災保險出險發生的數值 6 201028948 模擬，且針對可能發生的事件進行損失分析。 在本發明卜輸出模組21〇可為一報表 =的者====型所_結果』 ❹ 留取額、額外費用附加、額外費用限額、保險1 习自留^雷純等，其可為選單式輸4填充式輸入I 酉，參閱第四圖，為—模型分析結果輸出頁面，入 後’藉由火災保_4庫愤據啟動d事 ίϋ嚴重度預測模型，所得之數值分析參數 費、閃雷雷費現’其包含閃電雷擊危險保 純火險危險f率；此外’依據該保單内容設 ί自公司自留保費、再保公司自留保費及客 孫^ίίίϊ五圖’為另一麵型分析結果輸出頁面，豆 係為扣失金額與超越或然率之對應圖。 /、 ^於既有商業火災風險量化方法，本發明之「火災風 險賣化糸統與方法」具有下述優點： 依昭商業火災碰風險量化是以靜態統計方式， 與不同建築物等級，計算定不同分類群組之平 由統計精算人員提供固定之風險平均成本表單來量 =個別承絲戶應貞擔之火險㈣。唯賴險計算方式將 業類別分成683類’並採五種建築物等級，將市場之火災 險分類成3415個風險群組，此風險分類方式令每一群組樣本 201028948 數過少而造成統計上信賴度降低。本風險量化法採過往承保 與損失歷史經驗所得不同行業與不同保險金額規模之損失頻 率機率函數與損失金額分佈機率函數等所建立之損失預測模 型，可以數值分析模擬之方法取得統計學上之大數法則，详 加風險量化結果之信賴度。 曰 二、傳統商業火災保險對於某行業與某建物結構等級之 分類群組麟量化’僅能計算該分類群欧平均風險，即該 群組不同規模保額大小之客戶皆有相同之損失危險費率，本 風險量化方法可以數值分析槪之方法計算出關保險金額 規模大小造成火災風險損失之差異。 二、傳統商業火災保險對於某行業與某建物結構等級之 分類群組風險量化’僅能計算該分類群組之平均風險， 慮被保險人面臨火災所域最大可能損失金額，本風險量化 方法可以數值分析模擬之方法計算不同被保險人面臨火災所 造成最大可能損失金額對火災風險損失之差異。 四、傳統商業火災保險對於某行業與某建物結構等級之 7刀類群組風險量化，僅有基本之風險成本平均費率 針對承保細之閃電雷擊風險有_參數量化，本風險量^ 2可以賴不同客戶之地理所在位置，曝露面積大小，避 電糸統類別，以歷史資料搭配數值分析模擬之方法 被保險人所遭受的閃電雷擊風險。 „ f、、,傳統之商業火災保險風險量化僅能得到不同群組之 2二，失成本，本風險量化方法可以數值分析模擬之 万法汴异早一保單的累積損失超越或然率，並以圖表表示 之，=利金融保險業主精確計算風險損失成本。 二之商業火災風險量化之保險自負額責任僅以概 =□疋金額，本風險量化方法可以保單輸入之參數以 計算任意額度自負額騎風險成本降低之 失ΐ本並圖表表示之，以利金融保險業主精確計算風險損 201028948 μ七、傳統之商業火災風險量化之保險附加費用條款僅以 概算一固定金額，本風險量化方法可以保單輸入之參數，以 數值分析模擬之方法計算任意額度附加費用比例與限額對於 風險成本增加之幅度，並以圖表表示之，以利金融保險業主 精確計算風險損失成本。 η 'Severely produced ϋίί: Don't be insured by the insurer's probability function, and the risk of loss is different from the pre-existing type. Use the amount of insurance information, special insurance conditions, geographical location and ii to quantify the risk, so as to facilitate the risk of financial insurance and use the number of methods, supplemented by the historical history of the ϊΐ ΐ ΐ ϊΐ The age of the analysis of the 'Wei value simulation ^ can be the knife to avoid the average risk loss and the amount of different losses beyond the case or the case can be obtained by the following diagram and detailed description, a more in-depth understanding: [Embodiment] > Other objects, features and advantages of the present invention will become apparent from the Detailed Description It should be understood, however, that the description and specific examples are intended to be illustrative only, and the various modifications, equivalents and alternatives may be practiced without departing from the scope of the invention. Referring to the first figure, which is a flow chart illustrating the steps of a fire risk quantification method 10 in accordance with a preferred embodiment of the present invention. Firstly, the individual policy information of a commercial fire insurance policy is established through the operation interface (step 102). The policy information includes the location of the target site, the nature of use, the floor area of the base, the total floor area, the insured amount, the maximum possible loss, and the maximum possible Loss, fire system coverage, deductible, minimum deductible, ' 5 201028948 3 capacity == expense limit, insurance company retention or lightning protection system, etc. The loss event prediction model and the severity of the loss are the individual insurance data. The prediction touches the ϊϋί number (steps 1〇4, step 1〇6); then uses the above parameters to re-enter: the numerical simulation analysis of Monte Carlo method (step 108), calculate the business of individual insured In addition to the number of fire insurance accidents, the amount of damage caused by the damage can also be caused. (4) The average loss of the business disaster relief insurance is calculated by the operation of the step _ and the amount of the insurance loss is calculated according to the policy. The average loss and the amount of the insured commercial fire insurance are exceeded. Or fresh (step _. Finally output the above analysis results for use (step 112). 夕会ίΪ明 The aforementioned commercial fire verification method can be implemented by the system shown in the second figure. Please refer to the second figure Referring to the second to fifth figures in a more detailed fire risk quantification system, the operation interface diagram of the fire risk quantification system of the present invention is presented separately, and the business=quantity system The output result - and the amount of loss and the probability of surpassing the probability of being paid by the system of the present invention. The manure = Figure 2 shows J ί, the fire risk quantification system 20 is mainly composed of the insurance database 204, the fire risk quantification analysis The module i 206 is inactive; the face 208 is constructed with the output module 21〇, etc. The operator 202 _ operation interface, the commercial fire insurance database 204 206 'transportation order. The operation surface 208 provides the user Easy operation mode fire! ^ Insurance 395 material library provides information about the occurrence of commercial fire insurance history ^,, fire risk quantitative analysis model 2G6 for commercial fire = fire 2322 ° 4 touch historical underwriting and loss basis, and through the transport of 202 The value of the commercial fire insurance occurs 6 201028948 simulation, and the loss analysis is performed for the possible events. In the present invention, the output module 21 can be a report = ====type _ result 』 , additional cost, additional cost limit, insurance 1 习自留 ^ 雷纯, etc., which can be a menu-type input 4 filled input I 酉, see the fourth picture, for the - model analysis results output page, after the 'by Fire protection _4 library indignant according to the start of the matter ί ϋ severity prediction model, the resulting numerical analysis of the parameter fee, Flash Rayleigh fee now 'its lightning lightning damage hazard insurance pure fire risk h rate; in addition 'based on the policy content set ί The company's self-retained premiums, reinsurance company's self-retaining premiums and the guest's ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ The method for quantifying commercial fire risk, the "fire risk selling system and method" of the present invention has the following advantages: The quantification of the risk of the commercial fire risk of Yizhao is calculated by static statistical method, with different building grades, and different classification groups are calculated. The fixed risk average cost form provided by the statistical actuary is the amount of fire risk that the individual silk-selling households should bear. (4) Only the risk calculation method divides the industry category into 683 categories and adopts five building grades to fire the market. The risk is classified into 3,415 risk groups. The risk classification method makes the number of samples in each group of 201028948 too small and the statistical reliability is reduced. This risk quantification method adopts different industries and different insurance amount scales of historical experience of underwriting and loss. The loss prediction model established by the loss frequency probability function and the loss amount distribution probability function can be numerically simulated to obtain the statistical law of large numbers, and the reliability of the risk quantification result is added in detail. Second, the traditional commercial fire insurance for the classification of a certain industry and a certain structural level of the group, Lin quantification, can only calculate the average risk of the classified group, that is, the customers of different size and size of the group have the same risk of loss. Rate, this risk quantification method can be numerically analyzed to calculate the difference between the size of the insurance amount and the risk of fire risk. Second, the traditional commercial fire insurance for a certain industry and a certain structural level classification group risk quantification 'only can calculate the average risk of the classification group, considering the insured person facing the maximum possible loss amount of the fire domain, this risk quantification method can The method of numerical analysis and simulation calculates the difference between the maximum possible loss caused by different insured persons facing the fire and the risk of fire risk. Fourth, the traditional commercial fire insurance for a certain industry and a certain structural level of the 7 knife group risk quantification, only the basic risk cost average rate for the underwriting lightning lightning risk has _ parameter quantification, the risk amount ^ 2 can Relying on the geographic location of different customers, the size of the exposed area, the type of power evasive system, and the risk of lightning strikes suffered by the insured by historical data with numerical analysis and simulation. „ f,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, In other words, the financial insurance owner accurately calculates the risk loss cost. 2. The insurance risk of the commercial fire risk quantification is only based on the amount of the amount = 疋 ,, this risk quantification method can be used to calculate the parameters of the policy to calculate the risk of any amount of risk The cost reduction is not shown in the chart, so that the financial insurance owner accurately calculates the risk loss 201028948 μ7, the traditional commercial fire risk quantification insurance surcharge clause only estimates a fixed amount, this risk quantification method can be entered into the policy The parameters are calculated by numerical analysis and simulation method to calculate the ratio of the additional cost and the limit of the additional cost to the risk cost increase, and are represented by graphs, so that the financial insurance owners can accurately calculate the risk loss cost.
八、傳統之商業火災風險量化僅有一基本之風險成本平 均費率表，無法確認不同被保險人所面臨曝露之風險大小， 無從瞭解保險需求上的投保金額如何規劃，本風險量化系統 可依據保單輸入參數，以數值分析模擬之方法計算未投保前 被保險人所潛在火災與閃電雷擊之不同損失金額超越或然 率，可使被保險人瞭解自身面臨之火災風險程度，以利作為 風險規劃上之依據。 綜上所述，本發明實為一新穎、進步且具產業實用性之 發明’深具發展價值。 〃 本發明得由熟悉技藝之人任施匠思而為諸般修飾，然不 脫如附申請範圍所欲保護者。 … 【圖式簡單說明】 第一圖係一流程圖，說明了根據本發明一較佳實施方式 之火災風險量化方法的步驟； 、第二圖係一方塊圖，示意說明了根據本發明一較佳實施 方式之火災風險量化系統之構成； 第二圖係根據本發明一較佳實施方式之火災風險量化系 統的操作介面輸出頁面； ’ 第四圖係根據本發明一較佳實施方式之火災風險量化系 統的輸出結果之一頁面；以及 第五圖係根據本發明一較佳實施方式之火災風險量化系 統的另一種輸出結果頁面，其係一損失金額與超越或然率對應 9 201028948 【主要元件符號說明】 10 火災風險量化方法 102 〜110 步驟 20 火災風險量化系統 202 運算器 204 商業火災保險資料庫 206 火災風險量化分析模型 208 使用者介面 210 輸出模組8. The traditional commercial fire risk quantification has only one basic risk cost average rate table. It is impossible to confirm the exposure risk faced by different insured persons. It is impossible to understand how the insured amount of insurance demand is planned. The risk quantification system can be based on the policy. Input parameters, numerical analysis and simulation method to calculate the unexpected risk of the insured's potential fire and lightning lightning strikes beyond the probability of surrender, so that the insured can understand the degree of fire risk faced by the insured, as a basis for risk planning . In summary, the present invention is a novel, progressive and industrially practical invention that has profound development value. 〃 The present invention has been modified by those skilled in the art, and is not intended to be protected by the scope of the application. BRIEF DESCRIPTION OF THE DRAWINGS [FIG. 1] A flow chart illustrating steps of a fire risk quantification method in accordance with a preferred embodiment of the present invention; and a second block diagram illustrating a comparison of the present invention in accordance with the present invention. The composition of the fire risk quantification system of the preferred embodiment; the second figure is the operation interface output page of the fire risk quantification system according to a preferred embodiment of the present invention; the fourth figure is the fire risk according to a preferred embodiment of the present invention. One page of the output result of the quantization system; and the fifth figure is another output result page of the fire risk quantification system according to a preferred embodiment of the present invention, which corresponds to a loss amount and a transcendental probability. 9 201028948 [Description of main component symbols 】 10 Fire Risk Quantification Method 102 ~ 110 Step 20 Fire Risk Quantification System 202 Operator 204 Commercial Fire Insurance Database 206 Fire Risk Quantitative Analysis Model 208 User Interface 210 Output Module