Methoden vergelijken

	Loss Distribution Model	Credibility Theory
Vakgebied	Actuariële wetenschappen	Actuariële wetenschappen
Familie	Regression model	Regression model
Jaar van ontstaan	2012	1967
Grondlegger	Klugman, Panjer & Willmot	Hans Bühlmann
Type	Parametric probability model	Weighted linear blend of individual and collective experience
Oorspronkelijke bron	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.
Aliassen	Severity-Frequency Model, Aggregate Loss Model, Claim Size Distribution Model, Hasar Dağılımı Modeli	Bühlmann Credibility, Experience Rating, Linear Credibility Estimator, Güvenilirlik Teorisi
Verwant	3	3
Samenvatting	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.