保险行业里的数学模型与代码实现 据统计：第十三个五年规划期间，我国保险业保费收入平均增加13%，保险资产总额每年增加12%左右，产业保险缴费收入平均增长率为国内生产总值的两倍，国内对保险的需求迅速增加[1]。但同时，保险专业的一些基础知识过于复杂，现实需求与知识水平不足之间的矛盾，尤其是在保险业初期阶段，使得人们对保险业的了解受到了阻碍。为促进人们对基础知识的了解，本文将数学与保险更准确地结合起来。采用一种理论与案例相结合的方法进行模拟，通过代码实现对相关概念的数学定义。以往的研究大都只重视知识联系以及对概念的深层次挖掘，对代码应用较少，本文恰好弥补了这一不足。 关键词：精算；金融数学；保险学；Python Mathematical modeling and code in insurance Abstract According to statistics: during the 13th Five-Year Plan period, the premium income of China's insurance industry has increased by 13% on average, and the total amount of insurance assets has increased by about 12% every year. The average growth rate of industrial insurance premium income is twice that of GDP, and people's demand for insurance industry has increased rapidly [1]. But at the same time, some basic knowledge of the insurance profession is too complex, and the contradiction between the actual demand and the lack of knowledge level, especially in the early stage of the insurance industry, hinders people's understanding of the insurance industry. In order to promote people's understanding of basic knowledge, this paper combines mathematics with insurance more accurately. A method of combining theory with case is used to simulate, and the mathematical definition of related concepts is realized by code. Most of the previous studies only pay attention to the knowledge connection and the deep mining of concepts, but few of them are applied to code. This paper just makes up for this deficiency. Key words: Actuarial Science; financial mathematics; insurance ; Python 目 录 一、引言 1 二、金融数学在保险行业里的理论介绍 1 （一）年金 1 （二）等额年金 2 （三）变额年金 2 （四）债务偿还 2 （五）债券 2 三、数学定义与关系 3 （一）等额年金 3 （二）变额年金 5 （三）债务偿还 5 （四）债券 6 四、代码实现 7 （一）等额年金 7 （二）变额年金 8 （三）债务偿还 9 （四）债券 10 五、源代码 10 参考文献 13
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