常利率下大学生失业保险模型初探

A Preliminary Exploring for Unemployment's Insurance Model for College Students at Constant Interest Rate

在当前严峻的就业形势下,失业保险不失为一种回避风险、促进大学生失业问题解决的有效办法。本文建立了常利率下保费收入、保费支出为广义齐次Poisson过程的风险模型,推算了该模型的调节系数,并得出在调查数据下的调节系数,进而得到破产概率的估算.本文结果可为通过商业保险来缓和解决大学生失业问题提供理论依据。

At present, under the situation of grimness occupation, unemployment＇ s insurance is a good way to dodge risk and to promote this problem to be solved. In this article, A insurance model is established when insurance income and insurance cost is assumed a generalized homogeneous Poisson process at constant interest. The adjustable coefficient is computed and the adjust- able coefficient is obtained on the basis of the data we have obtained in our university. Furthermore, obtains the ruin probability is estimated. The results provide a theoretical gist for the commercial insurance to relax and solve college students＇ unemployment problem when they graduate.