| 效用理论在保险决策中的应用 |
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| 引用本文： | 李妍,张景,刘忻梅.效用理论在保险决策中的应用[J].北方经贸,2011(3):93-95. |
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| 作者姓名： | 李妍 张景 刘忻梅 |
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| 作者单位： | 内蒙古科技大学数理与生物工程学院,内蒙古,包头,014010 |
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| 摘 要： | 效用函数的凹凸性将风险态度进行了三类划分：风险中性型、风险厌恶型、风险喜好型。本文从效用理论出发研究了不同的风险态度决策人的不同的风险决策结果，讨论了效用理论在保险产品的定价中的应用，并根据不同的风险态度和不同的损失分布函数确定最优投保方式.
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| 关 键 词： | 效用函数 风险态度 保险决策 最优投保 |
Utility Theory in the Application of Insurance Decision |
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| LI Yan,ZHANG jing,LIU Xin-mei.Utility Theory in the Application of Insurance Decision[J].Northern Economy and Trade,2011(3):93-95. |
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| Authors: | LI Yan ZHANG jing LIU Xin-mei |
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| Institution: | (School of Mathematical,Physics and Biological Engineering,Inner Mongolia University of Science and Technology,Inner Mongoli Baotoo 014010) |
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| Abstract: | The utility functions distinguish the risk attitude into three parts: risk neutral,risk averse,risk loving.In this paper,we mainly discuss the different insurance decisions of different risk attitude,which is based on the utility theory.And we research the premium by the utility theory,and analyze the best insurance way in the different risk attitude and utility function. |
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| Keywords: | utility function risk attitude insurance decisi ons the best insurance way |
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