摘要
本文用效用理论阐释了保险定价中的安全附加费存在的合理性、可行性和应该满足的条件。并且解释了再保险可以降低安全附加费,从而降低保险商品的定价。
This paper illuminates that the existence of security loading in insurance premium pricing is reasonable and feasible with the thought of the utility theory. Meanwhile, prove the reinsurance can decrease the security loading and the pricing of insurance product.
出处
《南平师专学报》
2006年第2期91-93,56,共4页
Journal of Nanping Teachers College
关键词
效用函数
安全附加费
方差
绝对风险指数
utility function security loading variance absolute risk aversion index
