中文摘要：

每个保险公司都有自己的奖惩系统（BMS）,其主要目的是保证缴纳保费的公平性,即每个投保人所交纳保费与其本人的风险成比例。由于汽车保险是以汽车为标的,而汽车使用年限相对较短,为此,本文从有限时间角度利用单位风险所需缴纳保费为标准,讨论了原华泰公司奖惩系统的公平性。并利用数值方法,研究了不同风险下奖惩系统的有限时间效率。

英文摘要：

Every insurance company has its own bonus-malus system. The main purpose is to make sure fairness while paying the premium, that is to say, the premium paid by the insured is proportional to his risk. Since the car is the object of insurance, and the lifetime of the car is short, the fairness of the Huatai’ BMS is discussed based on the premium per unit risk from the viewpoint of finite time. Furthermore, the finite time efficiency of the BMS is studied by numerical methods.