保险中的一个技术扩散模型  

An Innovation diffusion Model for Insurance

作　　者：喻开志[1] 黄光鑫[1] 

机构地区：[1]重庆师范学院数学与计算机科学系,重庆400047

出　　处：《绵阳师范学院学报》2002年第5期15-17,共3页Journal of Mianyang Teachers＇ College

基　　金：国家自然科学基金(79770105);重庆市科委资助项目(5569)

摘　　要：假设投保人到达保险公司的过程是一个“技术扩散”过程,个体只处于两个阶段:获得保险信息并逐渐认可保险的感知阶段与决定投保阶段。投保额和索赔额均为随机变量。提出了一个新的保险模型,获得保险公司在一段时间内的收益额的一些数字特征。In this paper, we assume that insurers reach the insurance company in accordance with an 'Innovation diffusion' process. Insurers are characteristic in two steps:① getting information of insurance and awareness ② deciding to insure. We also assume that the premium and claim amount is a random variety relating to the insurance rule and the insure number. Under these assumptions , we present a new model for the insurance science and get some numerical characteristics of surplus amount of the insurance company.

关 键 词：技术扩散 期望 方差 投保费 索赔额 收益额 

分 类 号：F224[经济管理—国民经济]