个人信用资产评估与保险介入

利用定量方法对个人信用资产指标体系进行研究，提出了个人信用资产的概念以及个人信用资产评估指标体系，综合运用概率论、随机过程原理和模糊数学的方法，改进了个人信用资产评估数学模型，计算出了个人信用资产的分值，并划分出个人信用的级别。同时，针对不同信用级别风险差异，将个人信用资产管理有机地融入信用保险理论，运用非寿险精算计算原理和贝叶斯方法，厘定出不同信用级别的保险费率，以便更有效地控制个人信用资产的风险。

The Rating of Personal Credit Assets and Insurance Insertion

The index system of personal credit assets is investigated by means of fixed quantity methods.With the integration of the theories of probability and stochastic process,and the methods of fuzzy mathematics,the personal credit assets and the index system of personal credit assets are put forward,and the mathematics models of personal credit assets are improved.Meanwhile,the personal credit assets are rated and the rating of personal credit is differentiated here.Corresponding to different rating of credit risk,the theory of credit insurance is inserted in the management of the personal credit assets.Several kinds of rates of premiums are drafted in accordance with the theory of non-life insurance and Bayes Theorem so that the risk of personal credit assets is protected effectively.