Individual risk model is one of the most basic risk models in Actuarial theory.

短期个别风险模型是保险精算中最为基础的一个风险模型。

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Usually the traditional actuarial theory is based on a fix interest rate with a purpose to simplify calculations.

传统的精算理论，假定利率是确定的，目的是为了简化计算。

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Usually the traditional actuarial theory is based on a fixed interest rate with a purpose to simplify calculations.

传统的保险精算理论为了简化计算，往往假定利率是确定的。

youdao

The real insurance industry, as I mentioned before, began in the 1600s with the invention of probability theory and with the invention of life tables for-- the invention of actuarial science; but, it grew slowly.

正如我刚才所提到的,真正的保险始于17世纪,这得益于概率论,寿命表以及,精算学的产生,但是,它的发展很缓慢

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