中文摘要：

文章针对车险行业的经营现状,在可获取信息的基础上,确定12个影响行车安全的风险因子,分为车辆性能状态和驾驶员驾驶行为习惯2大类。对主成分分析法进行改进,设计基于指标重要性权值的主成分分析法。运用此方法对风险因子数据进行降维处理,获得4个主成分,以此作为车险行业的定价因子,为车险行业提供差异化的保费计算方法。

英文摘要：

Aiming at the current status of vehicle insurance industry,this paper determines twelve risking factors influencing driving safety based on the collected information,which are classified into two groups,namely vehicle state information and driver behavior habit.The principal component analysis（PCA）is improved and the PCA based on the weight of index significance is proposed to process the data of risking factors and decrease the dimensions of data.Four principal components are obtained as the pricing factor of the vehicle insurance industry,thus providing a differentiated premium computing method for vehicle insurance industry.