中文摘要：

建立了风险之间呈现某种特殊相依结构的信度模型．利用正交投影的方法，得到了相依风险模型下的Bfihlmann信度保费和Biihlmann—Straub信度保费，并讨论了信度估计的统计性质．结论表明，在风险之间呈现相依结构时，信度预测是个体索赔均值，总索赔均值和聚合保费三者的加权和，从而推广了经典的信度理论．

英文摘要：

This paper presents a particular dependency structure among the risks of credibility model. By using orthogonal projection methods, the Biihlmann＇s credibil- ity premiums and Biihlmann-Straub credibility premium are given. The results show that the premium can expressed as the weighted sum of individual claims mean, total claims mean and collective premium, thus generalizing the classic credibility theory.