Insurance: Mathematics and Economics 46 (2010) 1–2
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Insurance: Mathematics and Economics
journal homepage: www.elsevier.com/locate/ime
Editorial for the special issue on Gerber–Shiu functions
Ruin theory is one of the classical fields of actuarial mathemat-
ics, with methodological links to various other areas of applied
probability. While in the early days the probability of ruin was the
main object of study, more recently a number of other ruin quan-
tities that measure the risk related to the event of default in a non-
life insurance portfolio have been investigated, in particular the
time of ruin, the deficit at ruin and the surplus prior to ruin. In
two now classical papers, Gerber and Shiu (1997, 1998) identified
a very elegant way to study these quantities simultaneously us-
ing a so-called discounted penalty function. The resulting expected
discounted penalty function is now usually referred to as the Ger-
ber–Shiu function. This extension of the ruin probability turned out
to be a very fruitful concept that triggered intensive research. The
behavior of the Gerber–Shiu function has been studied in increas-
ingly complex models for the underlying surplus process, as well
as its applications in insurance and finance.
The diversity of techniques and perspectives under which this
function was studied in the last few years has already led to
the organization of two international workshops on Gerber–Shiu
functions with about 50 participants each. The first one took place
at Concordia University in Montreal (August 7–8, 2006) and the
second one at the Radon Institute of the Austrian Academy of
Sciences in Linz, Austria (August 27–29, 2008). As organizers of
these two conferences, we witnessed the rapid increase in activity
in the field, so it seemed natural to initiate a thematic issue of
Insurance: Mathematics and Economics on the topic of Gerber–Shiu
functions. It features research papers on recent methodological
advances, as well as papers that establish further connections of
the theory to other fields of mathematics and applied probability.
The contributions in the issue are grouped according to their
underlying model assumptions.
In the first paper, Hanspeter Schmidli shows how change of
measure techniques can simplify and unify the analysis of Gerber–
Shiu functions and gives examples in several models. David Dick-
son and Shuanming Li then identify expressions for the joint den-
sity of the time to ruin and the deficit at ruin in an Erlang(2)
risk model using certain decomposition properties in connection
with Laplace transforms. In the next paper, Qihe Tang and Li
Wei extend the Wiener–Hopf factorization in the continuous-time
renewal risk model to include the times of ascending and de-
scending ladders, which then leads to asymptotic formulas for the
Gerber–Shiu function. A renewal risk model with K
n
distributions
for the interclaim time is then studied by Gordon Willmot and
Jae-Kyung Woo. They derive a defective renewal equation and
its solution for a generalization of the Gerber–Shiu function that
also involves the last interclaim time before ruin. Another ap-
proach to analyze Gerber–Shiu functions in renewal models based
on symbolic computation techniques is introduced in the paper of
Hansjörg Albrecher, Corina Constantinescu, Gottlieb Pirsic, Georg
Regensburger and Markus Rosenkranz. In particular, it is shown
that if the differential operator of the associated boundary value
problem can be factorized, then explicit expressions for the Ger-
ber–Shiu function can be obtained by iteratively solving first-order
problems. Yichun Chi, Sebastian Jaimungal and Sheldon Lin con-
sider a risk model perturbed by diffusion with stochastic volatility
driven by an underlying Ornstein–Uhlenbeck process. They apply
singular perturbation theory to obtain an asymptotic expansion of
the associated Gerber–Shiu function and give results on the ac-
curacy of the first two terms of this expansion. An expected dis-
counted penalty at absolute ruin in the presence of tax payments
and interest rates in a compound Poisson framework is discussed
by Ruixing Ming, Wenyuan Wang and Liqun Xiao.
Exit probabilities and exit times of spectrally negative Lévy
processes, of which the compound Poisson process and the
Brownian motion are special cases, have been analyzed in terms
of fluctuation theory in other contexts. Enrico Biffis and Andreas
Kyprianou give an explicit characterization of a generalized version
of the Gerber–Shiu function that includes the last minimum before
ruin, via scale functions in the general setup of spectrally negative
Lévy processes. They discuss further links between classical tools
of probability theory and the risk theory context. In another
paper, Enrico Biffis and Manuel Morales represent this generalized
Gerber–Shiu function in the Lévy context in terms of convolutions
and derive its defective renewal equation. Jean-Francois Renaud
and Ronnie Loeffen then give criteria on the Lévy measure
under which a barrier strategy optimizes the expected value of
discounted dividend payments minus a penalty term that depends
on the deficit at ruin. As a by-product, they also manage to relax
previously established sufficient conditions for the barrier strategy
to be optimal for the classical problem of maximizing expected
dividend payments until ruin. For a fixed horizontal barrier level,
Hans Gerber, Elias Shiu and Hailiang Yang consider a discrete-time
model for the surplus of an insurance company in terms of a time-
homogeneous Markov chain and show in an elegant elementary
way that in this case the dividends–penalty identity holds. This
identity expresses the expected discounted penalty at ruin through
the expected discounted dividends until ruin and the expected
discounted penalty at ruin without dividends. The determination
of optimal dividend strategies (typically band strategies) is also
discussed.
Finally, Eric Cheung, David Landriault, Gordon Willmot and Jae-
Kyung Woo investigate the structure of Gerber–Shiu functions
in renewal models that allow for dependence between claim
sizes and interclaim times. In particular, the minimum surplus
before ruin and the surplus immediately after the second last
claim before ruin can be included in this approach and several
properties of the independent model are shown to hold in this
dependent setup as well. Eric Cheung and David Landriault then
show in another contribution that an extension of the Gerber–Shiu
0167-6687/$ – see front matter © 2009 Elsevier B.V. All rights reserved.
doi:10.1016/j.insmatheco.2009.10.004