再论机动车辆保险的精算模型及其应用

THE COMPOSITE HYPOTHESIS TEST ABOUT A CLASS OF IDD

通过对非参数混合泊松模型的分析 ,我们发现用此类模型建立无赔款优待系统是不合适的 .在文中我们使用 Hofmann分布为我国一家保险公司的索赠数据进行拟合 ,效果令人满意 。

In this paper we find that it is improper to construct the optimal BMS by employing the non parameter mixed Poisson model.To model a data set of a Chinese insurance corporation,we employ the Hofmann distribution to construet the parameter mixed Poisson distribution.Furthermore,we yield the corresponding optimal BMS and BMS under zero utility prenium.