1数学期望在保险产品设计中的应用摘要 本文主要讲述了数学期望在保险产品设计过程中的应用。通过对保险产品设计过程中的数学原理进行研究，通过科学的方法对其进行变量探讨，增大数学期望，从而达到我们所期望的理想的结果，更清楚的认识到数学期望的重要性。通过建立数学模型，我们知道了在设计保险产品时应该注意哪些变量的控制，从而使得保险产品的收益获得最大化。我们常说的求数学期望实际上就是去求随机变量的以概率为权数的加权平均值，加权平均值这一概念在很多领域又起着重要的作用。在本文中，我们通过求收益的期望值，可以知道保险人是否盈利。当然，不能光考虑保险人的感受，如何使得投保人也能获得高额返利也是本文所要研究的重点。关键词 数学期望 保险与保险产品 数学建模 设计流程Application of mathematical expectation in insurance product designAbstract this paper mainly describes the application of mathematical expectation in the process of insurance product design. Through the study of mathematical principles in the process of insurance product design, through scientific methods to explore its variables, increase mathematical expectations, so as to achieve the desired results we expect, a clearer understanding of the importance of mathematical expectations. By establishing mathematical models, we know which variables should be paid attention to when designing insurance products, so that the benefits of insurance products can be maximized. The concept of mean value plays an important role in many fields. In this paper, we can know whether the insurer is profitable by seeking the expected value of the income. Of course, can not only consider the feelings of the insurer, how to make the insured can also get a high return is also the focus of this paper.Keywords Mathematical expectation, design cycle, Insurance products and 2insurance，Mathematical Modeling目录引言..................................................................................
