“NCD”系统中保险双方的最优博弈

The optimal game between the insurer and the insured in NCD systems

在"NCD"系统中,利用Markov决策过程,获得了投保双方博弈行为的最优结果.对被保险人来说,确定了其最优临界损失值,对保险人来说,确定了最优保费与折扣值.

According to the Markov decision process, the optimal game behavior results between the insurer and the insured was obtained in NCD systems, i. e. for the in-sured, the optimal threshold damage values was decided,while for the insurer, it＇s optimal premium and discount values was decided too.