If you had a course in probability and statistics, then you'll find it easy to follow, but it's self-contained again.
如果你们学过统计学或者概率论,你们会比较容易理解,也需要你们独立学习
we have Nala and he meets this man, Rituparna, and this is where a probability theory apparently comes in.
有那勒,他遇到的这个人,叫睿都巴若那,这就到了讲概率论的时候了
If you follow through from the independent theory, there's one of the basic relations in probability theory-- it's called the binomial distribution.
如果继续往下看,在概率论里有一个基本的概念,叫做二项分布
The mathematical theory of probability was unknown until that time and you can see that insurance suddenly made an appearance at that time.
在那之前,概率的数学理论,是不存在的,而随着概率论的出现,保险业也突然出现了
I wanted to talk about that with a little bit of reference to probability theory and so that's what I will be covering.
讲到这些内容的时候,会涉及一些概率论的知识,这些就是下一讲的内容
Anyway, the story ends and Nala goes back and is now armed with probability theory, we assume.
不管怎样,在故事结尾,那勒回去了,我们知道他已经掌握了概率论的知识
I think it was the invention of probability theory that really started it and that's why I think theory is very important in finance.
我认为是概率论的诞生,真正促生了保险业,那也是为什么,我认为理论对于金融来说非常重要
You're not going to need to know a lot about this for this course, but this is--I wanted to get the basic ideas down.
对于本门课程来说,你不必,对刚才讲的概率的知识有很深入的了解,我只想介绍一些概率论的基本概念
It's interesting that this person uses the word calculation; this person has the idea--this was-- 1600 was around the year when probability theory was invented.
有意思的是,这个人用了"计算"这个词,这个人想到了这个主意,概率论正是1600年左右产生的
Another important concept in probability theory that we will use a lot is expected value, the mean, or average-- those are all roughly interchangeable concepts.
概率论中另外一个常用的重要的概念是,期望值或者也叫均值,这两个概念可以互换
The idea of probability theory is that no, you can't change things, there are all these objective laws of probability out there that guide everything.
而概率论的观点是,不,你无法改变事物,世间万物遵循客观的概率,它们即是定律
Ian Hacking, who wrote a history of probability theory, searched through world literature for any reference to a probability and could find none anywhere before 1600.
伊恩·哈金为概率论追根溯源,他查遍世界所有关于概率的文献,发现无法追溯到十七世纪以前
It really is probability theory and the idea of spreading risk through risk pooling.
就是概率论,以及通过风险汇聚来分摊风险
One of the first principles of probability theory is called the multiplication rule.
概率论的最基本的原则,有一条叫乘法原理
Hacking believes that there were many gambling theorists who invented probability theory at various times in history but never wrote it down and kept it as a secret.
哈金相信历史上有很多赌博理论家,曾多次构想了概率论,但从来没有记录下来,并且恐为人知
In the second lecture, I talked about the pooling of risks and the basic theme of that lecture was that we now have a mathematical theory, probability theory.
第二课,我讲了风险汇聚及分摊,那节课的主题是,一门数学理论,即概率论。
One of the first principles of probability is the idea of independence.
概率论中最基本的一个原则,就是独立性的概念
What Zelizer reported was that some life insurance companies surmounted this problem by changing the pitch, by telling their salespeople, don't try to explain probability theory to these people.
泽利泽发现有些寿险公司,通过改变营销思路克服了这个难题,他们告诉自己的推销员,不要试图给你的客户讲概率论
Anyway, that shows that I think probability theory does have a long history, but-- it not being an intellectual discipline-- it didn't really inform a generation of finance theory.
不管怎样,这个故事表明概率论,确实有很悠久的历史,但,那时它并非以学科形式存在,也没有对金融理论的产生有过指导意义
The institution of insurance is something that really came in--it's one of the earliest-- I consider it a division of finance-- really came in the 1600s when probability theory was invented.
保险机构的出现,我认为这是金融业中,最早的分支之一,大约在17世纪,概率论刚刚诞生
But, you know that this is based on theory.
但注意,这个公式是基于概率论的
Probability theory is really a movement away from that.
概率论实在与此无关
I wanted to say one more thing because I realize that you have to-- your first problem set will cover this-- is to talk about the concept that applies probability theory to Economics.
我还想提一点,因为我意识到...,你们的练习题中会涉及到这个,概率论在经济学中的,应用的问题
I'm not going to expand on this because I can't get into-- This is not a course in probability theory but I'm hopeful that you can see the formula and you can apply it.
我不准备拓展这一部分,毕竟这节课不是概率论,但我希望你们能记住这个公式,并且学会应用
The real insurance industry, as I mentioned before, began in the 1600s with the invention of probability theory and with the invention of life tables for-- the invention of actuarial science; but, it grew slowly.
正如我刚才所提到的,真正的保险始于17世纪,这得益于概率论,寿命表以及,精算学的产生,但是,它的发展很缓慢
So, it was in the 1600s that probability theory started to get written down as a theory and many things then happened in that century that, I think, are precursors both to finance and insurance.
所以直到十七世纪,概率论,才被记录下来,形成理论,并且在那个世纪里诞生了,金融和保险的雏形
So that's the basic idea.
这是概率论中最基本的概念
The probability theory is new.
但概率论是个新知识
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