专栏名称: 浩哥说
程浩,迅雷联合创始人,曾就职于百度,在硅谷工作多年,毕业于杜克大学计算机系,现成立松禾远望风险投资。从成功创业者到投资人,程浩凭借15年互联网实操经验,与你一同分享关于创业的独到理念与思考。BP请投递至 [email protected]
目录
相关文章推荐
51好读  ›  专栏  ›  浩哥说

传统保险与水滴互助保险对比的精算模型

浩哥说  · 公众号  · 科技自媒体  · 2016-11-08 00:00

正文

请到「今天看啥」查看全文


0.096528, 0.099922, 0.103466, 0.107164, 0.111026, 0.114981, 0.11914, 0.123482, 0.128017, 0.132753, 0.1377

};

static double[] KX = new double[] { 2.00, 8.47, 10.91, 11.94, 12.57,

13.10, 13.92, 14.97, 15.78, 16.73,

17.66, 18.53, 19.30, 19.92, 20.36,

20.58, 20.52, 20.15, 19.52, 18.75,

18.01, 17.53, 17.49, 17.98, 18.96,

20.26, 21.68, 23.04, 24.23, 25.25,

26.18, 27.15, 28.23, 29.48, 30.92,

32.52, 34.28, 36.18, 38.21, 40.31,

42.43, 44.49, 46.44, 48.23, 49.86,

51.36, 52.80, 54.23, 55.68, 57.15,

58.57, 59.91, 61.13, 62.23, 63.16,

63.90, 64.42, 64.71, 64.80, 64.73,

64.58, 64.39, 64.24, 64.13, 64.02,

63.84, 63.51, 63.02, 62.36, 61.55,

60.61, 59.56, 58.41, 57.17, 55.86,

54.47, 53.02, 51.54, 50.04, 48.57,

47.14, 45.78, 44.50, 43.32, 42.23,

41.21, 40.25, 39.31, 38.37, 37.40,

36.40, 35.37, 34.31, 33.26, 31.87,

30.19, 28.65, 27.25, 25.97, 24.81,

23.75, 22.80, 21.95, 21.20, 20.55, 13.77

};

static int type = 1;

static double GP = 0;

static double NB = 0;

static double NP = 0;

static double SA = 0;

static double vvv = 0.035;

static double vv = 1 / (1 + vvv);

public static double Qd(int x) {

return CL[x];

}

public static double QDD(int x) {

if( type == 0 ) {

if( x

return CI[x] * (0.0382 / 0.0783);

} else {

return CI[x] * 0.6;

}

} else if( type == 1 ) {

return CI[x];

} else {

return 0;

}

}

public static double DB(double gpx,  int t) {

return Math.min(NP, t+1) * gpx;

}

public static double v(double c) {

return Math.pow(vv, c);

}

public static double K(int x) {

return KX[x] / 100;

}

public static double p(int x,int t) {

if( t == 0 ) {

return 1;

}

double res =1 ;

for( int k = 0; k

double r = 1 - Qd(x+k) * (1-K(x+k)) - QDD(x+k);

res = res * r;

}

return res;

}

public static double P1(int gpx,int x) {

return 0.5 * QDD(x) * (DB(gpx, 0) * v(0.25) + SA * v(0.75) );







请到「今天看啥」查看全文