K-阶矩保费定价原理下的合作保险问题

The Question of Cooperative Insurance under K-th Moment Premium Calculation Principle

提出了K-阶矩保费定价原理,然后在此保费原理之下,讨论了n家合作保险公司共同承保某一风险,以达到降低保费,提高市场竞争力的目的。得到了各家保险公司应承保的最佳风险分配比,并且给出了对应总的最小承保保费的计算公式。

This article first established K - th moment premium value principle, then under this value principle, it discussed n cooperative companies to insure a given risk together in order to decrease the total premium and to increase their market competency, obtained how should the risk be split to among this n cooperative companies to minimize the total premium and derived a calculation formula about the minimal total premium.