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随着中国经济的发展 ,社会投保逐渐成为了社会热点。然而一般社会上的保险模型基于从保险公司的权益出发来考虑投保者的利益 ,针对这种情况主要就是基于投保人的既得权益出发建立了r-p双参数模型保险结构模型 ,借以弥补。该模型充分考虑到投保人发生意外和公司破产的情况 ,从支付模型 ,意外概率模型到双参数模型 ,树形结构构造了投保人选择投保方案的完整过程。
With China’s economic development, social insurance has gradually become a social hot spot. However, the general social insurance model considers the interests of the insured persons based on the rights and interests of the insurance company. In view of this situation, the insurance model of the r-p two-parameter model is established based on the vested interests of the policyholders to make up for it. The model takes full account of the insured accident and the bankruptcy of the company. From the payment model and the accident probability model to the two-parameter model, the tree structure constructs the complete process of the insured’s choice of insurance scheme.