| 基于多元风险模型的最优BMS及其在车身险中的应用 |
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| 引用本文： | 刘长标.基于多元风险模型的最优BMS及其在车身险中的应用[J].湖北大学学报(自然科学版),1998,20(3):228-232. |
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| 作者姓名： | 刘长标 |
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| 作者单位： | 湖北大学经济学院 |
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| 基金项目： | 国家教委博士点人文社会科学研究基金 |
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| 摘 要： | 保险精算中的风险模型被分成有限与无限两类，在此基础上设计出相应的最优ＢＭＳ，然后研究了分类风险模型的应用方法，最后以实例加以说明。
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| 关 键 词： | BMS 机动车保险 多元风险模型 保险精算 车身险 |
Optimal BMS Based on Polytypic Risk Models and It's Application in Auto-mobile Body Injury Insurance |
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| Liu Changbiao.Optimal BMS Based on Polytypic Risk Models and It''''s Application in Auto-mobile Body Injury Insurance[J].Journal of Hubei University(Natural Science Edition),1998,20(3):228-232. |
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| Authors: | Liu Changbiao |
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| Abstract: | Polytypic risk models are classified into two kinds: the finite risk models and the infinite models Optimal bonus malus systems (BMS) are designed based on the polytypic risk models Risk factors are also involved into the optimal BMS A practical example is presented lastly |
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| Keywords: | Mixed Poisson model Finite risk model Infinite risk model Classified risk model BMS |
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