Savo darbe mes nagrinėjame Gerber-Shiu baudos funkciją klasikiniame rizikos modelyje atveju, kai žalų dydžiai pasiskirstę pagal Pareto dėsnį. Pagrindinis uždavinys yra susikonstruoti algoritmą funkcijos reikšmių gavimui. Tiriamas Gerber-Shiu diskontuotos baudos funkcijos atvejis, kada vidinė baudos funkcija w tapačiai lygi vienetui. Dėl sudėtingos transformuoto Pareto skirstinio formos analitiškai paskaičiuoti sąsūkų nepavyko. Tam tikslui naudojamas interpoliavimas kubiniu splainu. N kartų kartodami sukonstruotą algoritmą gauname pirmąsias n sąsūkas laisvai pasirinktiems pradiniams parametrams: Pareto skirstinio laipsnio rodikliui α, pradiniam kapitalui u, santykinei draudimo priemokai θ, diskontavimo parametrui (palūkanų normai) δ ir Puasono proceso parametrui λ. Lentelių pagalba parodome funkcijos priklausomybę nuo skirtingų modeliuojančių parametrų reikšmių. Išvadose teigiame jog pasiūlytas metodas skaičiuoti Gerber-Shiu diskontuotos baudos funkciją nors ir išpildomas tačiau yra neefektyvus. Kai kuriais pradinių parametrų pasirinkimo atvejais susiduriama su tikslumo problema. Norint tiksliai paskaičiuoti funkcijos reikšmes reikia didesnių eilių transformuoto Pareto skirstinio sąsūkų, o tam reikalingi dideli resursai. Kita vertus, pradinio kapitalo u reikšmėms didėjant tikslumas didėja ženkliai. / In this paper we consider Gerber-Shiu discounted penalty function in the classical risk model for Pareto claims. Our main goal is to construct an algorithm for obtaining values of the discounted penalty function (considering penalty function w=1). Due to the complicated form of the transformed Pareto distribution function we cannot obtain its convolutions analiticaly. We use numerical methods provided by Maple (cube spline) to find interpolating functions instead. Continuously applying recursive formulas we obtain first 5 interpolated convolutions. Then we calculate values of Gerber-Shiu discounted penalty function for certain arbitrary parameters: α – degree of Pareto distribution function, initial surplus u, security loading θ, discounting parameter δ and Poison process parameter λ. We present data tables and graphs of the discounted penalty function for some variations of parameters in later sections. Finally we state that the method that we use is quite complicated. For better accuracy of the discounted penalty function values one may require to get many convolutions of the transformed Pareto distribution function and that may require too great of the resources. However the quantity of the convolutions needed rapidly decreases for large values of the initial surplus u.

The use of analytical techniques for fraud detection and the design of fraud detection systems have been topics of several research projects in the past and have seen varying degrees of success in their practical implementation. In particular, several authors regard the use of credit risk scorecards for fraud detection as a useful analytical detection tool. However, research on analytical fraud detection for the South African insurance industry is limited. Furthermore, real world restrictions like the availability and quality of data elements, highly unbalanced datasets, interpretability challenges with complex analytical techniques and the evolving nature of insurance fraud contribute to the on-going challenge of detecting fraud successfully. Insurance organisations face financial instability from a global recession, tighter regulatory requirements and consolidation of the industry, which implore the need for a practical and effective fraud strategy. Given the volumes of structured and unstructured data available in data warehouses of insurance organisations, it would be sensible for an effective fraud strategy to take into account data-driven methods and incorporate analytical techniques into an overall fraud risk assessment system. Having said that, the complexity of the analytical techniques, coupled with the effort required to prepare the data to support it, should be carefully considered as some studies found that less complex algorithms produce equal or better results. Furthermore, an over reliance on analytical models can underestimate the underlying risk, as observed with credit risk at financial institutions during the financial crisis. An attractive property of the structure of the probabilistic weights-of-evidence (WOE) formulation for risk scorecard construction is its ability to handle data issues like missing values, outliers and rare cases. It is also transparent and flexible in allowing the re-adjustment of the bins based on expert knowledge or other business considerations. The approach proposed in the study is to construct fraud risk scorecards at entity level that incorporate sets of intrinsic and relational risk factors to support a robust fraud risk assessment. The study investigates the application of an integrated Suspicious Activity Assessment System (SAAS) empirically using real-world South African insurance data. The first case study uses a data sample of short-term insurance claims data and the second a data sample of life insurance claims data. Both case studies show promising results. The contributions of the study are summarised as follows: The study identified several challenges with the use of an analytical approach to fraud detection within the context of the South African insurance industry. The study proposes the development of fraud risk scorecards based on WOE measures for diagnostic fraud detection, within the context of the South African insurance industry, and the consideration of alternative algorithms to determine split points. To improve the discriminatory performance of the fraud risk scorecards, the study evaluated the use of analytical techniques, such as text mining, to identify risk factors. In order to identify risk factors from large sets of data, the study suggests the careful consideration of both the types of information as well as the types of statistical techniques in a fraud detection system. The types of information refer to the categories of input data available for analysis, translated into risk factors, and the types of statistical techniques refer to the constraints and assumptions of the underlying statistical techniques. In addition, the study advocates the use of an entity-focused approach to fraud detection, given that fraudulent activity typically occurs at an entity or group of entities level. / PhD, Operational Research, North-West University, Vaal Triangle Campus, 2011

This thesis studies the socio-political evolution of Nunavut, a proposed political entity in the Canadian Arctic, and tries to pinpoint its potential impact and influence for Canada, nationally and internationally. This study of political geography is done by way of discourse and content analysis of Inuit publications (Inuit Today, Nunavut Newsletters) and governmental documents (Hansard, the Gazette of Canada, etc). This analysis covers a time-period of 16 years, from the foundation of the Inuit Tapirisat of Canada (ITC) in 1971 to the last Conference of First Ministers on aboriginal rights in 1987. This time-period is subdivided into three segments of approximately 5 years: (1) Planning period (1971-76), (2) Preparation period (1976-82), (3) Negotiation period (1982-87). The introduction and conclusion of the thesis elaborate on the evolution of world affairs toward globalism and on the evolution of the Fourth World in this context.

Thesis (M.A.)--University of Missouri-Columbia, 2008. / The entire dissertation/thesis text is included in the research.pdf file; the official abstract appears in the short.pdf file (which also appears in the research.pdf); a non-technical general description, or public abstract, appears in the public.pdf file. Title from title screen of research.pdf file (viewed on September 3, 2008) Includes bibliographical references.

Thesis (M.A.)--City University of Hong Kong, 2005. / "Dissertation submitted to the School of Law in partial fulfillment of the requirements for the degree of Master of arts in arbitration & dispute resolution." Title from title screen (viewed on Mar. 27, 2006) Includes bibliographical references.

Thesis (M.A.)--City University of Hong Kong, 2007. / Title from PDF t.p. (viewed on Sept. 7, 2007) "Master of Arts in arbitration and dispute resolution 2006-2007, LW 6409 dissertation" Includes bibliographical references.

Thèse remaniée de: Th. Ph. D.--Law--King's college, University of London. / Bibliogr. p. XXVII-XLIII. Notes bibliogr. Index.

The status of creditor in insolvency proceedings Abstract The subject of the diploma thesis is "The status of creditor in insolvency proceedings." The purpose of this thesis is to provide a comprehensive view on the status of creditor in insolvency proceedings according to the Act No. 182/2006 Coll., (The Insolvency Act), in particular with regard to the issue of raising claims and settlement in insolvency proceedings. One of the item of focus is also participation of creditor in creditor bodies, especially at meeting of creditors and creditors' committee. The principal sources of this work are current laws, relevant literature and also current domestic case law. This thesis is divided into six main chapters, which are further divided into a particular subchapters. The first chapter presents an introduction to subject of matter. This chapter deals generally with the concept of insolvency proceeding, its subject, purpose of insolvency proceedings and the basic principles of insolvency proceedings as well. The second chapter deals with the concept of the creditor, both from the point of the view of the civil substantive law and the civil procedural law. This chapter briefly explains the concept of the individuals and participants in insolvency proceedings. The third chapter focuses on creditor bodies which...

The purpose of this thesis is to provide a summarized commentary about registration, review and settlement of the claims in the insolvency proceedings and about individual types of claims. The second aim of this thesis is to evaluate pros and cons of currently efficient Insolvency Act. The domestic case law has been the primary source of the thesis. However, relevant literature and laws have been reflected as well. The thesis is divided into five chapters, more important chapters are divided into particular subchapters. The first chapter deals with the concept of insolvency proceedings and its purpose. It is also focused on the basic principles of insolvency proceedings and initiation of insolvency proceedings. The second chapter contains a description of the concept of claim and elementary classification of claims in insolvency proceedings, which are divided into different groups. Furthermore, detailed interpretation of each group is explained including process of their registration. The third chapter is the principal chapter of this thesis because it provides a comprehensive view into registration of claims in the insolvency proceedings through the term of insolvency application of the debt, formal and content requisites of this application, disposition of claims and finally also through possible...

Research on adults has shown that when certain energy dense foods (EDF) are marketed as ‘healthy’, consumption of these foods increases during a single eating occasion. However, the effect health claims can have on consumption and taste in pre-adolescent children is largely unknown. The main objective of this thesis was to examine how health claims influence energy intake (EI) and liking in pre-adolescent children. A between-subject experimental design was used, whereby 66 participants (34 girls and 32 boys, mean ± SD age: 10.5 ± 1.4 years), consumed a chocolate milkshake while watching specific videos on YouTube ® for 20 minutes. The participants were randomly assigned in equal numbers split into one of two groups. For one group (control), no label was added and nothing was said about the milkshake. In the experimental (health claim) group, the milkshakes were labeled and presented as “high in calcium, and healthy”. The primary outcomes were EI and liking of the milkshake, while appetite sensations were also assessed using visual analogue scales (VAS). Results from Analysis of Covariance (ANCOVA) indicate that compared to the same shake without a health claim, a chocolate milkshake that was advertised as healthy was perceived as healthier, although there was no effect on EI or taste. When sex was investigated, boys consumed significantly more calories than girls when the milkshake was advertised as healthy. The higher EI from boys in the ‘healthy’ condition suggests a health claim may elicit different food consumption behaviors between sexes. In addition, the participants from the experimental (healthy) group who rated the milkshake as highly healthy consumed significantly more calories than those from the same group who only rated the milkshake moderately healthy. Further research is needed to better determine the effects of different health claims on children’s taste and EI, and to corroborate these initial findings and examine the underlying reasons for the observed sex differences.