3 results about "Risk sharing" patented technology

The invention provides a giant disaster reinsurance contract optimization method, system and device and a medium, and belongs to the field of insurance. The method comprises the following steps: constructing multiple agents; designing a dynamically optimized reinsurance contract mechanism by adopting a mathematical optimization model and combining core terms in a reinsurance contract so as to optimize the terms of the reinsurance contract; and designing a cooperation and game mechanism among the agents, and dynamically optimizing a game strategy by adopting a multi-agent reinforcement learning method so as to adjust contract terms in real time. And adopting a strategy of combining game and reinforcement learning to optimize contract terms between the insurance company and the reinsurance company. The game mechanism helps the intelligent agent to find the optimal balance between competition and cooperation, and reinforcement learning enables the intelligent agent to continuously adjust the strategy in the dynamic market. And it is ensured that reinsurance contract terms can be automatically optimized when the market changes, disaster events and supervision requirements change. And the intelligent agent optimizes contract terms through a real-time feedback mechanism, so that the balance between risk sharing and profit is ensured.

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.