| 寿险品种优化理论模型 |
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| 引用本文： | 石玉凤,宋玉宏. 寿险品种优化理论模型[J]. 数学的实践与认识, 2008, 38(13) |
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| 作者姓名： | 石玉凤 宋玉宏 |
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| 作者单位： | 1. 中国矿业大学(北京)管理学院,北京,100083
2. 首都师范大学,数学系,北京,100037 |
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| 摘 要： | 分析了寿险品种创新依附于寿险定价的实际情况.以个体公平的现代产品创新理念,创建独立的寿险品种创新方法体系,并利用遗传算法原理给出了寿险品种优化设计的理论模型,使复杂的寿险品种创新过程得以量化,从而变得简洁直观,并富有方便的可操作性,适合计算机并行处理.这一模型蕴涵了动态的思维方式,利用它可随时对寿险品种进行调整.
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| 关 键 词： | 人寿保险 品种 独立体系 遗传算法 模型 |
Theoretical Model of Life Insurance Policy Style Optimization |
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| SHI Yu-feng,SONG Yu-hong. Theoretical Model of Life Insurance Policy Style Optimization[J]. Mathematics in Practice and Theory, 2008, 38(13) |
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| Authors: | SHI Yu-feng SONG Yu-hong |
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| Abstract: | The factual situation that life insurance policy style creating leech on to pricing is analyzed,and the independent methodological system of life insurance policy style creation is set up according to the Individual Equity Principle.Then a general optimizing model about creating the life insurance policy style is given with genetic algorithm.Thus,the complex course of life insurance policy style creating is quantified and operative conveniently by computer.This model implicates the dynamic thoughts,and can be used whenever necessary to adjust the life insurance policy style. |
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| Keywords: | life insurance style Independent system genetic algorithm model |
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