摘要
利用经济学关于效用的相关原理,从理论上探讨了建筑火灾保险的定价问题。首先针对作为风险厌恶者的投保人和保险人双方,分别分析了其对保费水平的要求;其次从保险公司的角度分析了临界保费的确定,并计算了3类常见效用函数下的临界保费;通过实例验证了效用理论在建筑火灾保险临界保费确定中的应用。
Utilizing the relevant principles of utility theory,the pricing method on building fire insurance was discussed.Firstly,the premium claims of insured and underwriter as risk averter were analyzed.Secondly,the critical premium from the standpoint of underwriter under 3 common utility functions were calculated.Lastly,an example verifies the application of utility theory on building fire insurance critical premium.
出处
《消防科学与技术》
CAS
北大核心
2012年第4期430-433,共4页
Fire Science and Technology
关键词
效用理论
建筑火灾
临界保费
utility theory
building fire
critical premium
