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若保险赔付工作中赔付人员有限,根据服务人员有限的排队系统的性质,可以研究保险公司所需计提的未决赔款准备金的分布函数.当假设赔付服务工作人员为c个,使用M/M/c/∞和G/M/c/∞排队系统的性质可以得到未决赔款准备金分布函数和年末所需增加计提的未决赔款准备金的分布及其界值.当假设赔付服务工作人员仅一个,使用M/G/1/∞排队系统的性质可以得到此时未决赔款准备金的分布函数.并且在假设损失赔付额取正整数的条件下,得到年末保险公司所需增加计提的未决赔款准备金分布的递推公式.而且通过计算实例表明结论的实用性,及所得到的递推公式在以往难以准确求解未决赔款准备金分布时是十分有效的.
According to the limited queuing system of service personnel, we can study the distribution function of the reserves of outstanding claims that insurance companies need to make when it is assumed that there are c workers in the service of compensation, and M / The nature of the M / c / ∞ and G / M / c / ∞ queuing systems allows for the distribution of outstanding claims reserves and the distribution and cut-off of outstanding claims reserves to be added at the end of the year. There is only one staff member, and the distribution function of reserves for outstanding claims at this time can be obtained by using the nature of the M / G / 1 / ∞ queuing system and obtain the increase required by the insurance company at the end of the year on the assumption that the amount of loss compensation is a positive integer Reckoning formulas for the distribution of reserve claims for outstanding claims, and show that the practicality of the conclusion and the recursion formula obtained by the calculation example are very effective in the past when it is difficult to accurately find the distribution of reserve claims outstanding.