最优投保决策模型研究  

Studies on the Optimal Decision-making Model of the Insured

作　　者：焦万堂[1] 李俊海[1] 刘再明[2] 

机构地区：[1]河南工业大学,河南郑州450001 [2]中南大学数学学院,湖南长沙410075

出　　处：《信阳师范学院学报（自然科学版）》2008年第3期355-357,共3页Journal of Xinyang Normal University(Natural Science Edition)

基　　金：国家自然科学基金资助项目(10371133);河南省教育厅基础研究项目(2007110007)

摘　　要：当购买死亡保险时,投保人需要选择投保的期限.以平均收益与风险的和为目标函数,讨论了在给定年龄x和安全载荷ρ的条件下,如何选择投保期限才能使得目标函数达到最大值.同时利用数值计算结果讨论了年龄对最优投保期限的影响.While purchasing life insurance, the insured should make a decision that how long the insurance period should be. The objective function is the sum of income expectation and risk. With given age x and safety loading p , it is studied how to obtain the objective function maximum by selection of insurance period. And with the results of numerical computation, the relation of age and insurance period is discussed.

关 键 词：死亡保险 保险期限 平均收益 风险 

分 类 号：O211.6[理学—概率论与数理统计]