�ھ�����Ŷ�������,
һ��������ϵĸ�����֮�����໥������,
ͬʱ�Ӷ�����ʧ�������Ƶ����Ŷȱ���. (Wen et al.,
2009)�����˷��ռ���й�ͬЧӦ���������ؽṹ���Ŷȱ��ѱ��ʽ.
������ƽ����ʧ�����¿��Ǵ��ַ��սṹ���Ŷ�����,
�ر�صõ���B\"{u}hlmann��B\"{u}hlmann-Straubģ�͵��Ŷȱ��ѱ��ʽ.

In classical credibility theory,
the risks in a portfolio are assumed to be mutually independent and
the premiums are derived under squared loss functions. In this
paper, we develop the credibility theory under balanced loss
functions with a special dependence structure among the individual
risks: induced by common effect (Wen et al., 2009). To be specific,
credibility premiums under balanced loss functions with common
effects are derived for B\"{u}hlmann and B\"{u}hlmann-Straub
credibility models.