财产保险定价要领研究.pdf

461592 f 摘要 本文阐述了财产保险定价的原则及原理；指出了指数 原理是保险公司在财产保险定价中最为适合的原理；重点 分析了基于破产概率的财产保险定价方法，即通过破产概 率与指数原理中参数的对应关系，给定可允许的破产概 率，估计指数原理中的参数，在此基础上确定财产风险保 费等等。 关键词：保费，索赔，盈余，调节系数， 破产概率， 保险定价 ABSTRACT the and of Inthis elaborate principles paper,we properties and for insurance exponential pricingproperty explain for tofixthe is fittestone insurance the company principle price． property methodof for we the Then property analysis pricing under on of means based ruin，which homologous probability and of between ofruin parameter relationshipprobability the of probability principle，wegive permitted exponential ruin estimate of last， and principle，at exponential parameter decide of insurance． property premium claim surplu