摘要
随着中国经济的发展 ,社会投保逐渐成为了社会热点。然而一般社会上的保险模型基于从保险公司的权益出发来考虑投保者的利益 ,针对这种情况主要就是基于投保人的既得权益出发建立了r-p双参数模型保险结构模型 ,借以弥补。该模型充分考虑到投保人发生意外和公司破产的情况 ,从支付模型 ,意外概率模型到双参数模型 ,树形结构构造了投保人选择投保方案的完整过程。
With the development of China's economy, society isurance becomer a focus gradually. But the gcneral social insurance model is based on the right and interests of insurance company. So this paper place it on the basis of policy holder's rights and interests and set up r-p pairs of parameter model insurance structure model for conpensation. This model considers policy holder's accident and situation that company may go bankrupcy. From the model of payment, unexpected probability model and two parameters model, tree structute construct to ensured the choose of project is made into an intact process.
出处
《商业研究》
北大核心
2004年第17期96-99,共4页
Commercial Research
