关键词: 关键词：交强险, 赔付率, 费用率, Beta回归

Abstract: Abstract：Applying cluster analysis and Beta regression models, the paper analyzes the data published in 2009 auditing report of compulsory automobile liability insurance in China. We show that there are significant differences between loss ratios of 31 provinces, and these differences are mainly caused by income per capita, CPI, commuting expense per capita and auto numbers per capita. Loss ratios of nine classes of compulsory automobile liability insurance are also significantly different, and which indicates unfairness of current premium levels. The abnormal negative correlation between loss ratios and expense ratios of 31 provinces indicates existence of irregular expense allocation in compulsory automobile liability insurance. Companies’ expense ratios of operating compulsory automobile liability insurance are mainly influenced by the volume of underwriting premium of the company and are not related with where they operate and what classes of compulsory automobile liability insurance they underwrite.

Key words: Key words： Compulsory Automobile Liability Insurance, Loss Ratio, Expense Ratio, Beta Regression