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From the point of financial stability of insurance company,the paper probes into actuarial methods of crop insurance premium theoretically and technically. The formula of gross premium rate is designed, and three calculation methods of net premium rate are analysed, which is concluded that the choice of actuarial technique and crop insurance premium method is depended on crop unit yield distributions and the natural calamility occurances, and that the premium rate applied should be constantly revised.... From the point of financial stability of insurance company,the paper probes into actuarial methods of crop insurance premium theoretically and technically. The formula of gross premium rate is designed, and three calculation methods of net premium rate are analysed, which is concluded that the choice of actuarial technique and crop insurance premium method is depended on crop unit yield distributions and the natural calamility occurances, and that the premium rate applied should be constantly revised. 从保险经营的财务稳定性出发,对农作物保险费率的厘订从技术和理论上进行探讨,设计出农作物保险费率的计算公式,比较了计算纯费率的不同方法,讨论了损失率平均时段问题,指出农险费率的计算应根据农作物单产分布和灾害发生规律,选用不同的技术和方法,并且在实际应用中要不断调整 In this paper, a stochastic process model of insurance, i.e. a double random model for random payment and random discounting is constructed firstly, and the properties of payment process are studied under the basic assumptions of the model. Using the theory of measure extension, we devolop the payment process into a random payment measure, aand give the measure representations for insurance and annuity, and give some famous actuarial formulas as well. Finally we obtain the present value moments of the... In this paper, a stochastic process model of insurance, i.e. a double random model for random payment and random discounting is constructed firstly, and the properties of payment process are studied under the basic assumptions of the model. Using the theory of measure extension, we devolop the payment process into a random payment measure, aand give the measure representations for insurance and annuity, and give some famous actuarial formulas as well. Finally we obtain the present value moments of the random payment measure of Hoem model for the random interest rate Gauss process model, which is an extension of the results in [7]. 本文首先构造了保险的随机过程模型,即随机赔偿和随机折现的双随机模型.运用测度扩张理论将赔偿过程发展为随机赔偿恻度,在模型的基本假定之下研究赔偿过程的性质,给出保险和年金的测度表示以及诸多精算公式.最后针对随机利率的Gauss过程模型得到Hoem模型随机赔偿测度的现值矩发展了[7]中的主要结果. This article advances that it should analyze the sensitivity of factors of old-age insurance with actuarial,and then get some enlightenment from the analysis. 本文将精算数学的工具运用于我国现行的基本养老保险制度,通过建立基本养老保险的精算模型,对引起养老保险精算债务增减变动的各因素的敏感度进行定量分析,并由敏感度分析结果得到若干启示。
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