| 年金保险中投保人的最优收益模型 |
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| 引用本文： | 王艳杰,马艳芬,钱伟懿.年金保险中投保人的最优收益模型[J].渤海大学学报(自然科学版),2006,27(2):116-117. |
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| 作者姓名： | 王艳杰 马艳芬 钱伟懿 |
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| 作者单位： | 渤海大学,数学系,辽宁,锦州,121013 |
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| 摘 要： | 以养老保险中的退休金计划为研究对象，采用曩优化方法对年金保单进行分析，得出了当银行储蓄利率与精算师计算保费的利息相等时，均衡络付养老金是投保人的曩优策略。
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| 关 键 词： | 生存年金 寿险 保费 等价原则 |
| 文章编号： | 1673-0569(2006)02-0116-02 |
| 收稿时间： | 09 2 2005 12:00AM |
| 修稿时间： | 2005年9月2日 |
Optimal benefit model of insurance in life annuity |
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| WANG Yan-jie,MA Yan-fen,QIAN Wei-yi.Optimal benefit model of insurance in life annuity[J].Journal of Bohai University:Natural Science Edition,2006,27(2):116-117. |
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| Authors: | WANG Yan-jie MA Yan-fen QIAN Wei-yi |
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| Institution: | Department of Mathematics,Bohai University,Jinzhou 121013,China |
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| Abstract: | In this paper, we focus on the pension plan in life insurance annuity. By taking the optimal method, we analyze the insurance policy of the annuity. Then we draw out that the level payment system is the optimal stratagem for the insured when the interest of premium valuation is equal to the depositing intersese of bank. |
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| Keywords: | life annuity insurance premium equal principle |
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