Σύγκριση μεθόδων

	Μοντέλο Κατανομής Απωλειών	Θεωρία Πιστοληπτικότητας
Πεδίο	Αναλογιστική Επιστήμη	Αναλογιστική Επιστήμη
Οικογένεια	Regression model	Regression model
Έτος προέλευσης	2012	1967
Δημιουργός	Klugman, Panjer & Willmot	Hans Bühlmann
Τύπος	Parametric probability model	Weighted linear blend of individual and collective experience
Θεμελιώδης πηγή	Klugman, S. A., Panjer, H. H., & Willmot, G. E. (2012). Loss Models: From Data to Decisions (4th ed.). Wiley. ISBN: 978-1-118-31532-3	Bühlmann, H. (1967). Experience rating and credibility. ASTIN Bulletin, 4(3), 199–207.
Εναλλακτικές ονομασίες	Severity-Frequency Model, Aggregate Loss Model, Claim Size Distribution Model, Hasar Dağılımı Modeli	Bühlmann Credibility, Experience Rating, Linear Credibility Estimator, Güvenilirlik Teorisi
Συναφείς	3	3
Σύνοψη	A Loss Distribution Model is a parametric statistical framework used in actuarial science to characterise the probabilistic behaviour of insurance claim amounts and frequencies. Developed comprehensively by Klugman, Panjer, and Willmot in their foundational text Loss Models: From Data to Decisions (first edition 1998, fourth edition 2012), these models underpin premium rating, reserving, reinsurance pricing, and regulatory capital calculations across the insurance and risk-management industries.	Credibility Theory is an actuarial framework for estimating the pure premium of an individual risk by blending its own observed loss experience with the collective (portfolio) mean. Introduced by Hans Bühlmann in 1967, the method derives the optimal linear combination—the credibility-weighted premium—that minimises mean squared error. It extends classical experience rating to a rigorous statistical footing rooted in Bayesian and linear estimation principles.