The Expected Cost of Ruin and Insurance Premiums in Mutual Insurance
量化定义了相互保险中破产的预期成本，并分析了破产对保单持有人愿意支付的公平保费的影响，通过特例得出解析结果以评估无破产保险合同的成本。
The purpose of this paper is to provide a quantitative definition and assessment of the expected cost of ruin in mutual insurance. In addition, some implications are drawn regarding the actuarially fair premium policyholders may be willing to pay for mutual insurance. A special case is treated, yielding analytical results that allow a comparative static analysis of the effects of ruin on premium payments and an assessment of the cost of ruin-free mutual insurance contracts.