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).
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)。
Insurance Actuarial theory is a analysis and forecast subject to all kinds risk of insurance industry by mathematics, probability statistics methods and finance models.
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。
The tail of random variable's distribution is the focus of the risk analysis because the event with small probability often occurs in this area.
在风险分析中，随机变量的尾部一直是风险分析的重点，因为灾难事件往往就在这个区域里发生。
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