中文摘要：

纸基于准确公平可靠，相对错误函数作为损失功能在被拿开发最佳的 Bonus-Malus 系统(BMS ) 的一个图案。在 BMS，频率和严厉部件被考虑。这个图案与从古典方形错误的损失功能导出的传统的 BMS 相比。

英文摘要：

The paper develops a design of optimal Bonus-Malus System （BMS） based on exact equitable credibility,in which the relative error function is taken as loss function. In BMS,both the frequency and the severity components are considered. This design is compared with traditional BMS derived from classical squared-error loss function.