期刊名称：Ovidius University Annals: Economic Sciences Series
电子版ISSN：2393-3127
出版年度：2012
卷号：12
期号：2
语种：English
出版社：Ovidius University Press
摘要：In insurance industry,the lack of a proper pricing policy will generate suboptimal results. The price has to be competitive and actuarially adequate in order to reflect the dimension of risk. In a competitive market,the pricing policy of insurance companies acquires the capacities of a dynamic process. In this pricing war,the insurance company must analyze each component of pricing. Insurance companies use various statistical methods to set prices,taking in consideration the interaction between premium and risk. In this paper,we try to illustrate the method of historical claims and sums insured,used by actuaries in general insurance.
