摘要 随着国家的快速发展，人们生活变得越来越好，越来越多的人开始注重保障自身的利益。而购买保险就是保障自身利益十分有效的方式之一，所以许多人开始懂得通过投资购买不同类型的保险来保障自己的财产安全，人身安全等。但是许多人在购买保险的时候，他们对保险的认识是十分缺乏的，对保险的认识仅限于推销员对他们的介绍。本文主要对几种生活中常见的保险类型中的数学模型进行讨论。分别对汽车保险中对确定基本保险费的最优值、在养老保险中不同岁数起保情况下缴付保险金所获得的年利率和如何通过在不同年龄选择同一种险种时所获得的投资收益来判断是否值得投资等问题，利用数理统计与数学实验的方法，分别建立一些常见的简单数学模型。通过对实际问题计算求解让人们更加了解保险。87933

毕业论文关键词：保险；最优值；利率；投资收益；数学模型

Mathematical Model of Insurance and its Application

Abstract: With the rapid development of the country, people's life is getting better and better。 More and more people are paying more attention to protecting their own interests。Buying insurance is one of the very effective way to safeguard their own interests, so a lot of people are beginning to understand by investing in different types of insurance to ensure the security of their property, safety, etc。But when many people are buying insurance, their knowledge of insurance is very scarce, and the knowledge of insurance is limited to the introduction of the salesman。This paper mainly discusses the mathematical models of insurance types in several kinds of life。Respectively for car insurance to determine the optimal value of basic insurance premium, in different age pension insurance cases obtained annual interest rate and how to pay the insurance money by choosing the same kind of coverage in different age to determine whether it is worth the investment gains, by using the method of mathematical statistics and mathematical experiment, some common simple mathematical model is set up respectively。By solving practical problems, we can get people to know more about insurance。源-于,优Y尔O论U文.网wwW.youeRw.com 原文+QQ75201,8766

Keywords: Insurance,The optimal value,The interest rate,Investment income，Mathematical model

目录

第1章 绪论 1

1。1 课题的目的和意义 1

1。2 国内外研究现状和发展趋势 1

1。3文献综述 2

第2章 汽车保险模型分析 3

2。1 汽车保险的简单介绍 3

2。2 汽车保险模型 3

2。2。1 总收入的计算 4

2。2。2 赔偿费的计算 5

2。2。3 退还偿还费的计算 5

2。3 实例分析 6

2。3。1模型分析 7

2。3。2模型假设 7

2。3。3变量说明 8

2。3。4模型建立 9

2。3。5 模型求解 10

2。3。6 结果分析 11

第3章 养老保险模型分析 11

3。1 养老保险的简单介绍 11

3。2养老保险模型