概率统计在保险中的应用

Application of Probability Statistics in Insurance

保险作为一种以经济保障为基础的金融制度安排,以合同的形式实现投保人转移风险和理财计划的目标。保险公司为提高保险理赔效率,需要建立概率模型,对不确定的事件进行数理预测。本文重点阐述了概率统计在保险中的应用,综合描述了概率统计中随机变量、中心极限定理、大数定律的定义,并结合具体案例加以分析,深入探究概率统计在承保及保险理赔中的重要指导意义。同时,通过对实际情况的总结和归纳,为使概率统计更好地应用于保险实务中提供建议。

As a kind of fi nancial system arrangement based on economic security,insurance achieves the goal of transferring risk and fi nancial plan of the insured in the form of contract.In order to improve the effi ciency of insurance claims,insurance companies need to establish a probability model to predict uncertain events.This research focuses on the application of probability statistics in insurance,comprehensively describes the defi nitions of random variables,central limit theorem and law of large numbers in probability statistics,analyzes them with specifi c cases,conducts in-depth analysis of the important guiding signifi cance of probability statistics in underwriting and insurance claims.At the same time,through the summary and induction of the actual situation,it provides suggestions for the better application of probability statistics in insurance practice.