방법 비교

	신용 이론	음이항 회귀
분야	보험계리학	계량경제학
계열	Regression model	Regression model
기원 연도	1967	2011
창시자	Hans Bühlmann	Hilbe (textbook treatment); generalized linear model framework
유형	Weighted linear blend of individual and collective experience	Generalized linear model for count data
원전	Bühlmann, H. (1967). Experience rating and credibility. ASTIN Bulletin, 4(3), 199–207.	Hilbe, J. M. (2011). Negative Binomial Regression (2nd ed.). Cambridge University Press.
별칭	Bühlmann Credibility, Experience Rating, Linear Credibility Estimator, Güvenilirlik Teorisi	NB regression, NB2 regression, negatif binom regresyonu
관련	3	4
요약	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.	Negative Binomial Regression is a generalized linear model for count outcomes that extends Poisson regression to handle overdispersion, where the variance of the counts exceeds their mean. Developed in the GLM tradition and treated in depth by Hilbe (2011), it adds a dispersion parameter so that inference stays valid when Poisson would understate the spread of the data.