解双龙大数定律在保险中的应用大数定律在保险中的应用.pdfVIP

题 目： 大数定律在保险中的应用 姓 名： 解双龙 2020 年 4 月 日 目录 摘要3 引言4 1.大数定律与保险业密切相关4 2.保险业中常用的大数定律5 2.1 切比雪夫大数定律5 2.2 贝努里大数定律6 2.3 普阿松大数定律6 3.保险业务中大数定律的应用7 1 3.1 保险业的大数定律类比厂商的规模经济性7 3.2 赔偿金为常数8 3.3 纯保费以及损失概率的确定9 3.3.1 纯保费的确定 9 3.3.2 损失概率的确定 10 结语11 致谢12 参考文献12 2 摘要 本文结合大数定律存在的条件的不同及其性质特点，列举了其在保险中的一些具 体应用。依次阐述了大数定律与保险业的密切相关、保险业中常用的大数定律和保险 业务中大数定律的应用：保险业中的大数定律类比厂商的规模经济性、赔偿金为常数、 纯保费以及损失概率的确定。就几个不同的方面分别对大数定律在保险中的应用做了 介绍并举例说明，将理论具体化，使抽象的实际问题变成具体可行的、可计算的、可 操作的数学问题，从而使一些难以计算和预测的实际问题转变成数学问题，从而更加 有利于保险方面实际问题的解决。 关键词：大数定律；赔偿金；保费；损失概率 3 Abstract Combined with the different conditions and characteristics of the existence of the law of large numbers, this paper lists some specific applications in insurance. The law of large n umbers is closely related to the insurance industry, the law of large numbers commonly used in the insurance industry and the application of the law of large numbers in insurance busin ess are expounded in turn: the law of large numbers in the insurance industry is analogous to the scale economy of manufacturers, the compensation is constant, the pure premium and th e determination of the probability of loss. The application of the law of large numbers in ins urance is introduced and illustrated in several different aspects, and the theory is concretized , so that the abstract practical problems become concrete and feasible, computable and opera ble mathematical problems, so that some practical problems which are difficult to calculate a nd predict can be transformed into mathematical problems, which is more conducive to the