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| 奖惩系统× | 负二项回归× | |
|---|---|---|
| 领域≠ | 精算学 | 计量经济学 |
| 方法族 | Regression model | Regression model |
| 起源年份≠ | 1995 | 2011 |
| 提出者≠ | Jean Lemaire | Hilbe (textbook treatment); generalized linear model framework |
| 类型≠ | Actuarial experience-rating model | Generalized linear model for count data |
| 开创性文献≠ | Lemaire, J. (1995). Bonus-Malus Systems in Automobile Insurance. Kluwer Academic Publishers. ISBN: 978-0-7923-9545-5 | Hilbe, J. M. (2011). Negative Binomial Regression (2nd ed.). Cambridge University Press. DOI ↗ |
| 别名≠ | No-Claim Discount System, Merit Rating System, Experience Rating in Automobile Insurance, Prim-Ceza Sistemi | NB regression, NB2 regression, negatif binom regresyonu |
| 相关≠ | 2 | 4 |
| 摘要≠ | 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. | 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. |
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