贝叶斯方法在调整保险费率中的应用  

Bayesian Statistics in Adjustment of Premium

作　　者：陈正[1] 汪飞飞[1] 

机构地区：[1]西安财经学院统计学院,陕西西安710100

出　　处：《西安财经学院学报》2012年第5期51-55,共5页Journal of Xi’an University of Finance & Economics

摘　　要：根据市场经营情况适时调整保险费系统对保险公司至关重要。对贝叶斯调整保险费方法进行阐述,运用实例分析说明贝叶斯调整保险费方法估计保险费率的可行性。本文的方法和结论可运用于非寿险实务中小样本数据的保险费估计工作。Adjustment of premium by the situation of the market management is very important for the in- surance company. This paper illustrates Bayesian premium adjusted method by using example analyzes the feasibility of premium valuation under Bayesian premium adjusted method. Both method and conclusions could be applied in small sample premium valuation of non-life insurance practice.

关 键 词：贝叶斯统计 先验信息 后验信息 贝叶斯保险费 

分 类 号：F84[经济管理—保险] F224