| 具有相对折扣的奖惩系统 |
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| 引用本文： | 何青,温利民,易才凤.具有相对折扣的奖惩系统[J].江西师范大学学报(自然科学版),2008,32(2):249-252. |
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| 作者姓名： | 何青 温利民 易才凤 |
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| 作者单位： | 江西师范大学数学与信息工程学院,江西,南昌,330022 |
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| 摘 要： | 在非寿险中,许多保险对被保险人的过去行为进行奖惩,称为"奖惩系统"或"无赔款优待系统".这一方面可以减少保险人的小额索赔成本,另一方面又可以减少被保险人的出险率,并保持较高的续保率.该文考虑了具有相对折扣的奖惩系统,当被保险人参加这种保险时的最优决策.
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| 关 键 词： | 相对折扣 索赔 奖惩系统 门槛值 |
| 文章编号： | 1000-5862(2008)02-0249-04 |
| 修稿时间： | 2007年12月1日 |
The Bonus-Mauls System with Ralative Premium Discount |
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| HE Qing,WEN Li-min,YI Cai-feng.The Bonus-Mauls System with Ralative Premium Discount[J].Journal of Jiangxi Normal University (Natural Sciences Edition),2008,32(2):249-252. |
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| Authors: | HE Qing WEN Li-min YI Cai-feng |
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| Abstract: | In non-life insurance, many kinds of insurance will award or punish the insured because of their conducts in the past years.We called "balus-mauls system" or "no claim discount system".On one hand,it can reduce the small claim expenses,on the other hand,it can make the risk rate of the insured on the decline,and also encourage the insured stay in the same insurance company.This article considers the bonus-malus system with ralative premium discount, and aims at optimal decisions of the insured. |
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| Keywords: | relative premium discount claim balus-malus system threshold value |
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