财务平衡最优奖惩系统 financial balanced optimal bonus-malus system
Chapter 3 introduces BMS, optimal BMS and its improvement process.
第三章介绍了奖惩系统与最优奖惩系统及其改进过程。
参考来源 - 汽车保险奖惩系统在中国应用的研究·2,447,543篇论文数据，部分数据来源于NoteExpress
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.
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