关键词: 保险, 精算学, 精算师, 人寿保险精算, 非寿险精算, 风险理论, 保险, 精算学, 精算师, 人寿保险精算, 非寿险精算, 风险理论

Abstract: Modern insurance science is a composition of insurance theory, economics, mathematics, statistics and computer science. It will take a very important part in the economic development in China. The present article is concerned mainly with the actuarial science in modern insurance. At first, the history and the current situation of insurance are reviewed generally. Then our paper introduces the key parts in the actuarial insurance, including the life actuarial science with survival analysis and thecasualty actuarial science with credibility theory and risk theory. And some hot lines in related fields listed afterward. This part consists of the researching of insurance strategies and insurance techniques in China. Finally the article emphasized the importance of training and bringing up more actuaries for the growing up of Chinese insurance. In our opinion, modern insurance, as an important part of the marketing economy activities, is a compensation method to decrease the uncertain loss and also is a kind of commodity being exchanged in market. Under the condition of fair competition, the statistical computing and analysis of insurance transaction, which have not been worked on for a long time in China, are important foundations for the insurance operation and with powerful competence. There are some basic preparations to do, such as the day-by-day collecting of the insurance transaction data and the modeling of the insurance operation. Under the circumstances, actuary can develop the new types and fields of insured risk, give the financial analysis reports of the portfolios and predict the future financial management. As the actuarial science itself, we are interested in the following subjects: a) Estimating the loss distribution of non-life insurance and designing new kinds of policies; b) Planning the pension system for any kind of company, society and group; c) Using credibility theory to do rate-making in Chinese insurance market; d) Applying the risk theory to evaluate the financial management of insurance companies.

Key words: insurance, actuarial science, actuary, life insurance actuarial science, non-life insurance actuarial science, risk theory, insurance, actuarial science, actuary, life insurance actuarial science, non-life insurance actuarial science, risk theory