定义这个类打算实现以下功能
- 输入费率表，rating factor和其对应的值，以及sum assured，就能算出相对应的保费。
- 在保单变动的时候，通过输入movement date和短期费率表可以算出变动保费
- 如果把两个这样的class相加，可以得到它们的保费和
- 一个info的方法可以print出保单信息
class premium_cal:
# initilize with its rate_table, initial_date, rating_factors, values, sum_assured
def __init__(self, rate_table, initial_date, rating_factors, values, sum_assured):
self.rate_table = rate_table
self.initial_date = initial_date
self.rating_factors = rating_factors
self.sum_assured = sum_assured
self.values = values
# filter out the required row
for idx, i in enumerate(self.rating_factors):
self.rate_table = self.rate_table[self.rate_table.loc[:,i] == self.values[idx]]
if self.rate_table.shape[0] == 1:
self.rate = self.rate_table.rate.values
else:
print("warning! more than one row satisfies the condition")
# calculate the premium
self.premium = self.rate[0] * self.sum_assured
# print the infomation of the policy
def info(self):
info = """
This policy starts from
{}
sum assured is
{}
Basic policy info
""".format(self.initial_date, self.sum_assured)
print(info)
info_sub = ""
for idx, i in enumerate(self.rating_factors):
info_sub = info_sub +"""
{} is {}
""".format(i,self.values[idx])
print(info_sub)
#Calculate premium rounded to 2 digital points
def calculate_premium(self):
return round(self.premium,2)
# Calculate movement premium
def calculate_movement_premium(self, short_rate_table, movement_date):
self.short_rate_table = short_rate_table
self.movement_date = movement_date
self.month_passed = (self.movement_date.year - self.initial_date.year) * 12 + self.movement_date.month - self.initial_date.month
self.short_rate_table = self.short_rate_table[short_rate_table["Month"] == self.month_passed]
if self.short_rate_table.shape[0] == 1:
self.short_rate = self.short_rate_table.rate.values
else:
print("warning! more than one row satisfies the condition")
return round(self.short_rate[0] * self.premium, 2)
#Overload add operator
def __add__(self, other):
if isinstance(other, premium_cal):
return round(self.premium,2) +round(other.premium,2)
