接下来，我们对奖惩系统进行了设计。
Then, we have carried on the design to the Bonus-Malus System.
这些行为是个人的一种选择，并不受组织的奖惩系统的限制。
These behaviors are rather a matter of personal choice, such that their omission are not generally understood as punishable.
在这章中，我们研究了奖惩系统的马尔科夫性并进行了稳态分析。
In this chapter, we have studied Markovian of the Bonus-Malus System and have carried on the stable state analysis.
因此可想而知，他针对我们这样的参与者发明了一套小巧的奖惩系统。
So, naturally enough, he has invented a tricky little system of rewards and punishments for us.
如果这是正确的结论，那么我们还没有揭露在奖惩系统中，神经科学家关于上瘾的解释。
If this is right, then we haven't discovered, in the reward reinforcement system, a neurochemical signature of addiction.
在汽车保险中，世界上绝大多数的保险公司都使用了奖惩系统或无赔款优待系统。
Almost all insurance countries in the world are using Bonus-Malus System (BMS in short) in automobile insurance.
在机动车保险中，仅仅基于索赔次数的奖惩系统对那些有着小索赔额的保单持有人不公平。
In automobile insurance, the BonusMalus System (BMS) based only on the number of claims is unfair with a policyholder who had small size of claims.
最后，研究了以单个投保人为基础，同时考虑先验信息、索赔次数、索赔额的最优奖惩系统。
Finally on the basis of the research of single policy-holder, the author also made a consideration about he prior information, claim number, claim amount and optimal BMS.
用期望值原理构造推算纯保费，将年龄与性别作为风险因素引入最优奖惩系统，并推算不同类别保单组合的后验保费。
The expected value principle to compute the pure premium, introducing risk factors into the bonus-malus system to calculate the posteriori premium of varied policy-holders.
用期望值原理构造推算纯保费，将年龄与性别作为风险因素引入最优奖惩系统，并推算不同类别保单组合的后验保费。
The expected value principle to compute the pure premium, introducing risk factors into the bonus-malus system to calculate the posteriori premium of varied policy-holders.
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