2 results about "Risk sharing" patented technology

The invention relates to a resource-pooling system and to a corresponding method for risk sharing of a variable number of risk exposure components. The risk exposure components are connected to the resource-pooling system by means of a plurality of payment receiving modules configured to receive and store payments from risk exposure components for the pooling of their risks. The total risk of the pooled risk exposure components comprises a first risk contribution associated to risk exposure in relation to loan losses, and a second risk contribution associated to risk exposure based on emergency expenses. The pooled risk is divided in a parameterizable risk part and a non-parameterizable risk part by means of an indexing module. In case of triggering a loss by means of a trigger module, the suffered loss is covered by releasing associated loans and emergency expenses of the risk exposure components.

This invention provides a method, system, device, and medium for optimizing catastrophe reinsurance contracts, belonging to the insurance field. The method includes: constructing a multi-agent system; employing a mathematical optimization model, combined with core clauses in the reinsurance contract, to design a dynamically optimized reinsurance contract mechanism to optimize the contract terms; designing a collaboration and game mechanism among the agents, and using multi-agent reinforcement learning to dynamically optimize the game strategy to adjust the contract terms in real time. A strategy combining game theory and reinforcement learning is used to optimize the contract terms between the insurance company and the reinsurance company. The game mechanism helps the agents find the optimal balance between competition and cooperation, while reinforcement learning enables the agents to continuously adjust their strategies in a dynamic market. This ensures that the reinsurance contract terms can be automatically optimized in response to market changes, disaster events, and changes in regulatory requirements. The agents optimize the contract terms through a real-time feedback mechanism, ensuring a balance between risk sharing and profitability.