基于统计学原理的非寿险精算应用探讨  

Non-life Insurance Actuarial Application on the Basis of Statistics

作　　者：杨鑫[1] 蔺琳[1] YANG Xin;LIN Lin(Department of Basic Education,Dalian University of Finance and Economics,Dalian,Liaoning 116000)

机构地区：[1]大连财经学院基础教学部,辽宁大连116000

出　　处：《怀化学院学报》2020年第5期34-37,共4页Journal of Huaihua University

摘　　要：损失是非寿险精算中的重要概念之一,而在计算非寿险的损失时往往会运用许多统计学的计算方法.通过介绍非寿险精算的统计学理论状况,结合统计方法切实解决非寿险精算中损失分布理论的应用流程,综述了随机模拟方法、参数估计和假设检验等统计学方法在非寿险精算的应用,从而为非寿险精算的深层研究打下基础.Loss is one of the important concepts in non-life insurance actuarial calculations,and many statistical calculation methods are often used when calculating non-life insurance losses.This article introduces the statistical theory of non-life insurance actuarial calculations,combined with statistical methods to practically solve the application process of loss distribution theory in non-life insurance actuarial calculations,and summarizes the application of statistical methods such as stochastic simulation methods,parameter estimation and hypothesis testing to non-life actuarial calculations.The findings lay solid foundation for in-depth study of non-life insurance actuarial calculations.

关 键 词：非寿险精算 统计学方法 假设检验 参数估计 损失分布理论 

分 类 号：F224[经济管理—国民经济] F840