摘要
汽车保险定价模型在非寿险精算领域内占有重要地位,本文对车险定价模型一百多年来的研究进展作了综述性的回顾。首先,本文介绍了车险定价模型的先验估费方法;其次着重介绍了时齐的后验估费方法,以及时变的先验后验相结合的精算模型;最后提出了车险定价模型的未来发展方向。
Automobile insurance pricing model is of great consequence in the field of non-life actuarial study. This paper generally reviewed the researches of pricing model which are carried out more than one century. Firstly, this paper introduced the a priori estimates car insurance fee pricing model method; secondly, highlighted the posterior estimate homogeneous charge method; the time-varying priori and a posteriori combination of actuarial models; finally, proposed the future direction of auto insurance pricing model.
出处
《上海金融学院学报》
2010年第1期14-19,共6页
Journal of Shanhai Finance University
基金
上海市教委重点学科建设资助项目(J51601)
关键词
汽车保险
先验估费
后验估费
索赔频率
索赔额
car insurance
prior assessment fees
posteriori estimate costs
claims frequency
claim amount
