Furthermore the non-life insurance actuarial science techniques were employed to build up the linear cost calculation models for empirical ratemaking of three insurance categories separately from 2004 to 2008 to find out that the cause to high operation cost is the high management cost. 同时利用非寿险精算技术,建立成本测算模型,计算了A省渔业互保协会2004年到2008年的三个险种经验运营成本。找出运营成本偏高的根本原因是管理成本过高。