{"id":94955,"date":"2009-08-07T00:00:00","date_gmt":"2009-08-07T00:00:00","guid":{"rendered":"https:\/\/www.deberes.net\/tesis\/sin-categoria\/analisis-de-los-sistemas-bonus-malus-en-el-seguro-de-automoviles-espanol\/"},"modified":"2009-08-07T00:00:00","modified_gmt":"2009-08-07T00:00:00","slug":"analisis-de-los-sistemas-bonus-malus-en-el-seguro-de-automoviles-espanol","status":"publish","type":"post","link":"https:\/\/www.deberes.net\/tesis\/procesos-estocasticos\/analisis-de-los-sistemas-bonus-malus-en-el-seguro-de-automoviles-espanol\/","title":{"rendered":"An\u00e1lisis de los sistemas bonus-malus en el seguro de autom\u00f3viles espa\u00f1ol"},"content":{"rendered":"<h2>Tesis doctoral de <strong> Jos\u00e9 Antonio Alvarez Jare\u00f1o <\/strong><\/h2>\n<p>La presente tesis doctoral consiste en el an\u00e1lisis estad\u00edstico actuarial de diferentes sistemas bonus-malus que se aplican en los seguros de autom\u00f3viles en espa\u00f1a. En primer lugar se determinar\u00e1 la distribuci\u00f3n del n\u00famero de siniestros en el seguro de autom\u00f3viles que posteriormente se utilizar\u00e1 para analizar y comparar los sistemas bonus-malus recopilados. Se exponen las principales caracter\u00edsticas de los sistemas bonus-malus y de las cadenas de markov aplicadas a los mismos, as\u00ed como los principales inconvenientes y posibles soluciones de los sistemas bonus-malus cl\u00e1sicos (univaraintes). Se definen una serie de herramientas estad\u00edsticas para analizar las principales caracter\u00edsticas de los sistemas y que permitir\u00e1n evaluar los sistemas y compararlos con otros sistemas bonus-malus europeos. Tambi\u00e9n se propone un sistema bonus-malus categorizado (multivariante) que obtiene mejores resultados te\u00f3ricos que los sistemas actualmente aplicados en nuestro pa\u00eds. Finalmente se establece un \u00edndice de clasificaci\u00f3n en funci\u00f3n de la capacidad para discriminar a los conductores con elevada siniestralidad para estos sistemas en base al an\u00e1lisis de componentes principales.<\/p>\n<p>&nbsp;<\/p>\n<h3>Datos acad\u00e9micos de la tesis doctoral \u00ab<strong>An\u00e1lisis de los sistemas bonus-malus en el seguro de autom\u00f3viles espa\u00f1ol<\/strong>\u00ab<\/h3>\n<ul>\n<li><strong>T\u00edtulo de la tesis:<\/strong>\u00a0 An\u00e1lisis de los sistemas bonus-malus en el seguro de autom\u00f3viles espa\u00f1ol <\/li>\n<li><strong>Autor:<\/strong>\u00a0 Jos\u00e9 Antonio Alvarez Jare\u00f1o <\/li>\n<li><strong>Universidad:<\/strong>\u00a0 Universitat de val\u00e9ncia (estudi general)<\/li>\n<li><strong>Fecha de lectura de la tesis:<\/strong>\u00a0 08\/07\/2009<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3>Direcci\u00f3n y tribunal<\/h3>\n<ul>\n<li><strong>Director de la tesis<\/strong>\n<ul>\n<li>Roberto Escuder Valles<\/li>\n<\/ul>\n<\/li>\n<li><strong>Tribunal<\/strong>\n<ul>\n<li>Presidente del tribunal: manuel Artis ortu\u00f1o <\/li>\n<li>Antonio  Jos\u00e9 Heras Martinez (vocal)<\/li>\n<li>montserrat Guillen estany (vocal)<\/li>\n<li>Jos\u00e9 Manuel Pav\u00eda miralles (vocal)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tesis doctoral de Jos\u00e9 Antonio Alvarez Jare\u00f1o La presente tesis doctoral consiste en el an\u00e1lisis estad\u00edstico actuarial de diferentes sistemas [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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