大数定律和中心极限定理在保险业中的重要应用

结合《车祸赔付倍涨,车险保额不涨?》报道,阐述了大数法则和中心极限理论在保险中的重要作用.经过分析计算,当机动车第三者保险金额不超过20万元时,保险公司的预期利润最有保障,这就说明了目前机动车第三者责任险最高只能投保20万元的根本原因.

The Important Application of the Great Number Law and the Central Limit Theorem in Insurance

This paper introduces the important effect of the great number law and the central limit theorem in insurance in the light of the report of Whether the Car Insurance Will Rise When Compensatoin for the Accident Has Doubled over the Past.By analysis and calculation,the predicted profit of the insurance company will be best guaranteed when the vehicle insurance for a third party is less than $200,000,which gives a basic reason why the maximum of the vehicle insurance for a third party can only be insured for $200,000.