The Study Of Bankruptcy Deficit Of Compound Binominal Risk Model

Risk theory as a general theory of quantitative analysis and prediction for risk, has been widely used in fields such as insurance, finance and other industries. The classical risk model does not take into account that the money in real business will be affected by some factors. So this paper based on the classical risk model, this paper started from the above actual situation, did research on the compound binominal risk model under the influence factors of constant interest rate, inflation rate and reinsurance. The bankruptcy deficits of compound binominal risk model under these influence factors are discussed.Firstly, the research background and significance of the topic, the status of domestic and foreign research, research content and related basic knowledge are introduced.Secondly, the compound binominal risk model with constant interest rate, inflation rate and the insurance premium is studied. The necessary conditions for the stable operation of the model, the expression of the bankruptcy deficit distribution and the recursive algorithm for the bankruptcy deficit distribution are obtained. Examples are used to show that the bankruptcy deficit distribution of the risk model is affected by the inflation rate.Thirdly, the compound binominal risk model under constant interest rate and reinsurance is studied. By studying the risk model, the necessary conditions for the stable operation of the model, the expression of the ruin deficit distribution and the recursive algorithm for the bankruptcy deficit distribution are obtained. Examples are used to show that the bankruptcy deficit distribution of the risk model is affected by the reinsurance.Finally, the compound binominal risk model under the influence of constant interest rate, constant inflation rate and reinsurance factor is studied. The necessary conditions for the stable operation of the model, the expression of the ruin deficit distribution and the recursive algorithm for the bankruptcy deficit distribution are obtained.