Abstract
A credibility estimator is Bayes in the restricted class of linear estimators and may be viewed as a linear approximation to the (unrestricted) Bayes estimator. When the structural parameters occurring in a credibility formula are replaced by consistent estimators based on data from a collective of similar risks,we obtain an empirical credibility estimator, which is a credibility counterpart of empirical Bayes estimators. Empirical credibility estimators are proposed under various model assumptions, and sufficient conditions for asymptotic optimality are established.

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