Stochastic模型在保险行业日益受宠

AMTeam.org消息：美国的Tillinghast公司近期的调查显示，超过2/3的人寿保险公司正在使用Stochastic模型技术来估计各种产品的投资风险和其他风险。

Stochastic模型在事先定义的环境下预测各种随机要素，多年以来，已经成为了股票市场分析的不可或缺的部分。该调查指出，CFO发现这种模型对于估计信用风险尤其有效。

Jack Gibson是Tillinghast的北美分公司总裁，他说，“Stochastic模型提供了传统方法无法提供的深度信息，让公司在一个更好的位置上开发有竞争力的产品，在更宽的领域内估计各种可能的情况来规避风险。”

“最具有竞争力的公司会更进一步，加强现有的Stochastic模型来回应日趋复杂的人寿保险产品。”Gibson说。

Stochastic modeling increasingly popular in life insurance industry
4th November 2005

A recent survey conducted by US-based Tillinghast has concluded that more than two thirds of life insurance companies are using stochastic modeling techniques to evaluate investment and other risks for many lines of business.

AdvertisementStochastic modeling anticipates random elements in predetermined environments and has been an integral part of stock market analysis for a number of years. The study noted that CFO's found this type of modeling particularly useful to evaluating credit risk.

Jack Gibson, president of its Tillinghast's North American branch said, "stochastic modeling offers a depth of information that is unmatched by traditional approaches, putting companies in a better position to explore competitive product design alternatives and evaluate a wider range of options to mitigate their risk exposure.

"Leading-edge companies are taking this a step further, enhancing the sophistication of existing stochastic models to respond to the increased complexities in today's life insurance products," added Mr Gibson.