Порівняння методів
Переглядайте обрані методи поруч; рядки з відмінностями підсвічено.
| Система "бонус-малус" (СБМ)× | Теорія довіри× | |
|---|---|---|
| Галузь | Актуарна наука | Актуарна наука |
| Родина | Regression model | Regression model |
| Рік появи≠ | 1995 | 1967 |
| Автор методу≠ | Jean Lemaire | Hans Bühlmann |
| Тип≠ | Actuarial experience-rating model | Weighted linear blend of individual and collective experience |
| Основоположне джерело≠ | Lemaire, J. (1995). Bonus-Malus Systems in Automobile Insurance. Kluwer Academic Publishers. ISBN: 978-0-7923-9545-5 | Bühlmann, H. (1967). Experience rating and credibility. ASTIN Bulletin, 4(3), 199–207. DOI ↗ |
| Інші назви | No-Claim Discount System, Merit Rating System, Experience Rating in Automobile Insurance, Prim-Ceza Sistemi | Bühlmann Credibility, Experience Rating, Linear Credibility Estimator, Güvenilirlik Teorisi |
| Пов'язані≠ | 2 | 3 |
| Підсумок≠ | A Bonus-Malus System (BMS) is an actuarial experience-rating mechanism used primarily in automobile insurance to adjust individual policyholders' premiums based on their personal claim history. Policyholders who remain claim-free receive premium discounts (bonus), while those who file claims are penalised with surcharges (malus). The framework was comprehensively formalised and analysed by Jean Lemaire in his landmark 1995 monograph, which remains the definitive reference for the design and evaluation of such systems worldwide. | 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. |
| ScholarGateНабір даних ↗ |
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