再论保险系统的一个损失分布模型

REARGUMENTATION OF ONE LOSS DISTRIBUTION MODEL IN INSURANCE SYSTEMS

文献［１］从理赔费是损失费的减扣额出发，给出了损失费的所有可能概率分布，但只对保险人数是一般变量的情形进行了研究．本文将保险人数视为随机变量，给出了损失费的分布，并计算了平均损失费及其方差。

From the point of view of settling fee being the discount of losing fee,reference [1] presents all the probability distribution of losing fee,but it just analyses the case of the number of insurd persons being general variable.the paper regars the number of the insured persons as a random variable and gives the distribution of losing fee and calculates the result of the average losing fee and its variance.Therefore,my model is more practical.