保险精算学是运用数学、概率统计学原理以及多种金融模型对保险业中各种风险因素进行分析预测的学科。
Insurance Actuarial theory is a analysis and forecast subject to all kinds risk of insurance industry by mathematics, probability statistics methods and finance models.
在一般的分析中，我们总是假定投保人的风险状况是外生的，投保人的行为不改变风险状况(损失概率)。
In general analysis, we always suppose that the risk of the insured's to be exogenous and the behaviors of the insured's don't change his risk (loss probability).
研究还可能包括概率取决于感知风险和减灾成本分析。
Studies may also include probabilistic analysis, depending on the perceived risk and cost of mitigation.
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