| 汽车保险中奖惩系统的马尔可夫分析 |
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| 引用本文： | 李义年.汽车保险中奖惩系统的马尔可夫分析[J].武汉理工大学学报(交通科学与工程版),2010,34(2):366-369. |
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| 作者姓名： | 李义年 |
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| 作者单位： | 武汉理工大学理学院,武汉,430063 |
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| 摘 要： | 利用马尔可夫分析,求出了驾驶员最终处于奖惩系统各阶上的概率,同时,马尔可夫分析还可以判断出在确定代表驾驶员实际风险的调整保费时奖惩系统的功效,并举例给出了求解奖惩系统的稳态保费及Loimaranta功效具体的计算方法.
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| 关 键 词： | 奖惩系统 马尔可夫分析 稳态保费 Loimaranta功效 |
Markov Analysis of Bonus-malus Systems in Automobile Insurance |
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| Li Yinian.Markov Analysis of Bonus-malus Systems in Automobile Insurance[J].journal of wuhan university of technology(transportation science&engineering),2010,34(2):366-369. |
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| Authors: | Li Yinian |
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| Institution: | College of Science/a>;WUT/a>;Wuhan 430063/a>;China |
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| Abstract: | In this thesis,the theory of bonus-malus systems in automobile insurance is studied.By Markov analysis the probabilities of all stages are obtained in bonus-malus system on which the driver stays.Mean-while,the utility of the bonus-malus system is adjusted,when the adjusted premiums denoting the practical risk of deriver are determined.Furthermore,the calculation methods of obtain the stationary premium and so-called Loimaranta utility in bonus-malus system are given by examples. |
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| Keywords: | bonus-malus system Markov analysis stationary premium Loimaranta utility |
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