| Summary: | 碩士 === 逢甲大學 === 統計與精算所 === 93 === The management of the insurance of Taiwan will face the difficulty in the future; especially the impacts brought are unavoidable after rate liberalization.
The most important issue of today’s insurer is how to survive in the striking competition situation.
In the recent, the Taiwan Insurer put emphasis on the products of refined risk classification. Because they want to divide market, develop the new insured origin, and create new profits.
This paper summarizes the minimum bias procedure for the practicing actuary and provides the intuition for several bias functions:
Balance principle, least squares, chi-squared, and Maximum likelihood .
Later, the complements are the criterions, in order to judge the method that is a stabilized and simply minimum bias method, complying with rate liberalization
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