市场细分网站竞争模型及其稳定性分析

基于随机利率下的寿险问题,建立了一个生死两全保险模型,模型包括增额生存年金、增额终身寿险和还本部分.考虑到保费的实际投资情况和突发事件对利率的影响,将随机利率采用反射Brownian运动和Poisson过程联合建模,得到了保单全部价值的计算公式,并进一步得到死亡均匀分布时的简洁计算公式.模型所涉及的情况与实际相符,对解决保险公司合理收取保费、进行保险赔付和规避管理风险都具有理论意义和实际应用价值.

Increasing endowment assurance policy under stochastic rates of interest

A model to describe the competitive dynamics of websites is presented on the internet market on the basis of the theory of differential system modelling, and the stability of the model for three websites is analyzed by means of global qualitative analyses. The analytical results show that some weak websites can survive, even win through market segmentation in the strong competitive environments. While in weak competitive environments, market segmentation can only lead to lower market share. By numerical simulation, the results of stability analyses are verified.