由于地震灾害具有强烈的随机性和不确定性，因此采用概率风险分析技术对地震灾害风险进行分析和评估是自然的选择。
Because of the randomness and uncertainties of earthquakes and structures, it is a natural choice to analyze and evaluate the risk of earthquake in the way of seismic risk analysis.
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).
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