In this paper, we have a study on credibility method which is an extensively used experience rating method in today’s property and casualty insurance. There is a close relationship between exact credibility and Bayesian method.

本文选择目前非寿险精算领域广泛应用的经验费率厘定方法—可信性方法进行研究。

In property insurance companies, risk premuim method is an important method to price enterprise property insurance. Since experience rating is a very important part of risk premuim method, both insurers and governments focus on it.

在财产保险公司中,纯保费法是企业财产险产品定价中的一种重要方法,纯保费法定价中的一个重要环节是经验估费,其估计是否准确直接影响到保险公司的产品定价,并对公司经营的其他相关环节产生重要的影响,因而历来都受到了保险公司和监管机构的重视。