【作者】 刘燕； 唐应辉；

【Author】 Liu Yan Tang YinghuiSchool of management, School of Applied Math.University of Electronic Science & Technology of China Chengdu 610054

【机构】 管理学院应用数学学院电子科技大学；

【摘要】 本文结合当前各国非寿险业比较流行的NCD计费模型,以一般分布的索赔额分布函数为前提,从组别的划分、转移规则和损失类型对被保险人历史记录的影响几方面,对NCD模型进行深入的改进。使其相应缴纳的保费更加合理化,使被保险人的保费同其所承担风险更具一致性。并且给出了改进后的计费模型的平稳分布的求解方法和唯一性分析。最后还给出实例具体说明改进的NCD系统中重要指标的求解。更多还原

【Abstract】 Based on the popular NCD system in the non-life insurance and status of our nation, this paper provided a new method to make premium rate based on the generally distribution function of claim by the class of claim and the rule of transfer. Meanwhile it made it consistency between the premium and the risks that the policy holder undertook. And we give out the equilibrium analysis of NCD system. Finally we use two examples to explain the application of NCD model.更多还原