说明：  用变形核密度模型对数据的统计分布进行估计，常用于金融信用分析、财产保险精算等领域，是一个很有效、常用的非参数模型
(Deformation of the nuclear density model of the statistical distribution of the data to estimate the financial credit analysis, property insurance and actuarial fields, is a very effective and commonly used non-parametric model)