In the model of NCD system, we can find that the discounted class, which the policy-holder is in when the start of the kth year, is a Markov chain.

• 通过对NCD系统的数学建模，可以得出投保人在第k个保险年度开始所处的折扣类，是一个具有有限状态空间的齐次马尔科夫，它存在唯一的平稳分布。