【摘要】 本文通过分析传统保费投资研究的不足 ,利用保费收取与保险赔付间的时滞 ,对收取的保费进行投资 ,通过考虑承保风险对投资的影响 ,建立了考虑承保风险的保险投资模型 ,并得出最优投资比例。这对保险人正确利用保费进行投资有重要的理论和实际意义更多还原

【Abstract】 In this paper,by analyzing drawback of study of traditional premium investment,using time sluggish between premium return and insurance claims,investment of insurances is studied.With considering affect of underwrite risk,insurance investment models that considers underwrite risk is established, and optimum investment proportion is also solved.It provides more theoretial and practical significance for insurer to investment with premium. Finally,an illustration is given to show their application.更多还原