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Kathy苏苏 · 2023年03月14日

请详解

NO.PZ2022062760000025

问题如下:

An insurance company estimates that 40% of policyholders who have only an auto policy will renew next year, and 70% of policyholders who have only a homeowner policy will renew next year. The company estimates that 80% of policyholders who have both an auto and a homeowner policy will renew at least one of those policies next year. Company records show that 70% of policyholders have an auto policy, 50% of policyholders have a homeowner policy, and 20% of policyholders have both an auto and a homeowner policy. Using the company’s estimates, what is the percentage of policyholders that will renew at least one policy next year?

选项:

A.

29%

B.

41%

C.

53%

D.

57%

解释:

中文解析:

先定义AB事件:

A = event that a policyholder has an auto policy

H = event that a policyholder has a homeowner policy

通过已知条件可得:

P(A∩H) = 0.20

P(A∩Hc ) = P(A) - P(A∩H) = 0.70 - 0.20 = 0.50

P(Ac∩H) = P(H) - P(A∩H) = 0.50 - 0.20 = 0.30

即可得出:

0.40 * P(A∩Hc ) + 0.70 * P(Ac∩H) + 0.80 * P(A∩H)

= 0.40 * 0.50 + 0.70 * 0.30 + 0.80 * 0.20

= 0.57

1.请老师详细讲解下,不会做,谢谢

2.P(A∩Hc )指什么?C是什么?

3.我的答案错在哪?70%X40%+50%X70%-80%X20%


谢谢!

2 个答案
已采纳答案

李坏_品职助教 · 2023年03月15日

嗨,从没放弃的小努力你好:


首先,只有A的概率应该是 0.70 - 0.20=0.5。只有H的概率是0.50 - 0.20 = 0.30。


你算的是0.7*0.4,0.7是持有A的人,但并不是“只”持有A的人,所以不能拿来和40%相乘。同理,50%也不是“只”持有H的人,所以也不能拿来和70%相乘。

仔细看题目开头给的条件,是 70% of policyholders who have only a homeowner policy will renew next year

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努力的时光都是限量版,加油!

李坏_品职助教 · 2023年03月14日

嗨,从没放弃的小努力你好:


题目问的是所有的投保人中,有多少比例的人会至少续保1个保险?


题目给出的保险一共就两种,车险(A)和住房保险(H)。注意∩表示交集,c表示补集,Hc的意思就是不持有住房保险的人数比例。


同时持有A和H的比例是P(A∩H) = 0.2,持有A但不持有H的概率是P(A∩Hc ),可以用持有A的总比例减去同时持有A和H的比例,也就是P(A∩Hc ) = 0.5

反过来,持有H但不持有A的比例=持有H的比例减去同时持有A和H的比例0.2,P(Ac∩H)=0.3.

题目开头告诉我们40%的只持有A的人会续保,那就是40% * P(A∩Hc ),70%只持有H的人会续保,也就是70% * P(Ac∩H),同时持有A和H的人会有80%续保,所以是0.80 * P(A∩H),都加起来就行了。



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努力的时光都是限量版,加油!

Kathy苏苏 · 2023年03月15日

谢谢老师。我的答案错在哪?70%X40%+50%X70%-80%X20%,只有A和只有H的renew的概率减去这两种保险都有的人RENEW的概率,错在哪了?

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