在零期望效用保费原理下，定义了风险保费及贝叶斯保费，讨论了零期望效用保费及损失函数的关系，得到了各种效用函数下的贝叶斯保费，并证明了这些贝叶斯保费的强相合性，最后通过数值模拟的方法验证了贝叶斯保费的收敛速度。

Risk premium and Bayesian premium under zero-utility principle are derived. The relationship between zero-utility premium and loss function is also discussed. In addition, the Bayesian premiums are given under some special utility function, and the strong consistency of Bayesian premiums are proved. Finally, the convergence speed of these Bayesian premium are checked by numerical simulations.