| 死亡率变化对我国寿险产品纯保费影响的定量研究 |
| |
| 引用本文： | 马情,李春娥,孟捷.死亡率变化对我国寿险产品纯保费影响的定量研究[J].云南大学学报(自然科学版),2011(Z1). |
| |
| 作者姓名： | 马情 李春娥 孟捷 |
| |
| 作者单位： | 云南大学数学与统计学院; |
| |
| 摘 要： | 寿险产品定价是人寿产品开发的核心,其目的在于确定出适当的价格.而寿险产品定价的基础之一就是经验生命表,由于新经验生命表中死亡率明显下降,会对寿险产品保费产生一定的影响.鉴于新旧生命表的区别,利用寿险精算理论,以终身寿险、定期寿险、生存年金、两全保险等基本寿险产品为例,分析了新生命表下它们各自保费的具体变化,最后通过定量分析给出一些结论.
|
| 关 键 词： | 死亡率 寿险产品定价 纯保费 |
The study on the change of mortality impact on life insurance products |
| |
| MA Qing,LI Chun-e,MENG Jie.The study on the change of mortality impact on life insurance products[J].Journal of Yunnan University(Natural Sciences),2011(Z1). |
| |
| Authors: | MA Qing LI Chun-e MENG Jie |
| |
| Institution: | MA Qing,LI Chun-e,MENG Jie(School of Mathematics and Statistics,Yunnan University,Kunming 650091,China) |
| |
| Abstract: | Life insurance product pricing is the core of the life product development.The purpose is to determine a proper price,and the experience life table is one of the basic factors for life insurance product pricing.The life insurance industry of China started to use new experience life table to fix price from year 2006.It will have a certain influence to the pure premium of all different kinds of life insurance products because of the drop of mortality in the new table.There are many differences between the new... |
| |
| Keywords: | mortality life insurance product pricing premium |
| 本文献已被 CNKI 等数据库收录！ |
|
