中文摘要：

本文首先简单分析了传统定价方法的局限性，然后介绍了广义线性模型的基本理论。作为应用，在本文中应用R软件，详细分析了一家欧洲保险公司1994-1998年的车险索赔数据，估计得到了费率结构，它与实际费率结构差异较大，说明原来的费率结构可能需要更新。

英文摘要：

In this paper we first analyze briefly the limitations of traditional pricing methods, then we introduce the theoretical structure of generalized linear models. As an application, we use R software to analyze auto insurance claims data from 1994 to 1998 of a European insurance company in detail, and we obtain the estimated rate structure. The large difference between the estimated rate structure and the actual rate structure may imply that the original rate structure need to be updated.