新舊生命表下幾種壽險保費的比較與分析

信息計算科學(xué)論文編號:XXLW008  論文字?jǐn)?shù):8784,頁數(shù):16  附任務(wù)書,開題報告,文獻(xiàn)綜述，外文翻譯，PPT

目  錄
中文摘要 1
英文摘要 2
目錄 3
第一章     緒論 4
 1.1  研究動機(jī)與目的 
 1.2  研究背景 
 1.3  研究現(xiàn)狀與趨勢 
第二章     研究理論與方法 7
 2.1   研究理論 
2.1.1  壽險產(chǎn)品保費計算的理論知識 
2.1.2  壽險產(chǎn)品保費的精算模型知識 
      2.2  研究方法 
          2.2.1   生命表變化計算 
          2.2.2   壽險保費變化計算 
第三章     模型比較分析 11
 3.1   生命表變化的定量分析 
      3.2  壽險產(chǎn)品保費變化的定量分析 
          3.2.1  生命表更新對定期壽險保費的影響 
          3.2.2  生命表更新對生存年金保費的影響 
          3.2.3  生命表更新對兩全保險保費的影響 
第四章     結(jié)論 17
致謝 18
參考文獻(xiàn) 19

摘     要

 從2006年1月1日起 , 以《中國人壽保險業(yè)經(jīng)驗生命表(2000-2003)》作為壽險公司法定責(zé)任準(zhǔn)備金評估的標(biāo)準(zhǔn)表以及壽險產(chǎn)品保費的參考表,從而取代十年前制定的《中國人壽保險業(yè)經(jīng)驗生命表(1990-1993)》。這將影響壽險產(chǎn)品保費計算的關(guān)鍵因素---死亡率。文中運用壽險精算模型,從定量角度分析了生命表更新對定期壽險、生存年金和兩全保險等基本壽險產(chǎn)品保費的影響。比較分析結(jié)果表明,生命表更新后,定期壽險和兩全保險的保費降低了,男性保費的變化幅度小于女性,而對于生存年金,結(jié)果恰好相反。生命表的變化更新對死亡率敏感的壽險產(chǎn)品的價格才會引起變動，壽險產(chǎn)品保費價格的漲跌將由市場來決定，還取決于投保年齡、保險期限、利率和性別等因素。

關(guān)鍵詞：生命表 精算模型 壽險產(chǎn)品 保費 精算現(xiàn)值

The comparison and analysis of life insurance premiums
between two life tables

Abstract
Since January 1th, 2006, "China's life insurance industry experience life (2000-2003)" will be as a life insurance company statutory duty to assess the reserve table and the standard premium of life insurance products reference tables, which replaced the "China Life Insurance industry experience life (1990-1993)." This will affect the key factor of The calculation of the life insurance premium - mortality.By using the life insurance actuarial models, Papers analy the affection of life insurance, annuities and both loyal and filially pious life insurance premiums and other basic life insurance products after updating the life tables from the quantitative point of view.  The results show that after the life table updated,the life insurance premiums of regularly and both loyal and filially pious reduced, the rate of change in men’s premium is less than women’s, whereas the survival annuity, the result is opposite. Life Table updated will cause changes in mortality rate-sensitive life insurance products prices ,the prices of premium life insurance products will be changed by the market, it will be depended on age of the insured, the insurance period, interest rates and gender and other factors too.

 Keywords： Life Tables; Actuarial model; Life insurance products;  Premium;  present value of Actuarial