方法证据记录
Credibility Theory
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.
源记录
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Actuarial Credibility Theory (Bühlmann)
分类方法记录 · regression-model / actuarial-science
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