發(fā)布時(shí)間：2018-06-01 01:15

  本文選題：壽險(xiǎn)精算 + 生存函數(shù)��； 參考：《華南理工大學(xué)》2014年碩士論文

【摘要】：本文對(duì)壽險(xiǎn)精算產(chǎn)生的背景、研究的方法，我國(guó)應(yīng)用壽險(xiǎn)精算技術(shù)的特點(diǎn)與不足之處，以及壽險(xiǎn)精算技術(shù)對(duì)我國(guó)經(jīng)濟(jì)發(fā)展的重要意義做了簡(jiǎn)要的介紹。詳細(xì)論述了壽險(xiǎn)精算的理論知識(shí)，包括利息理論、年金、生存分布函數(shù)、生命表等知識(shí)；對(duì)各種壽險(xiǎn)險(xiǎn)種的精算現(xiàn)值、以及均衡純保費(fèi)、責(zé)任準(zhǔn)備金進(jìn)行了歸納總結(jié)。同時(shí)針對(duì)單獨(dú)夫妻家庭的聯(lián)合保險(xiǎn)，構(gòu)建了多生命函數(shù)壽險(xiǎn)模型對(duì)其進(jìn)行研究。 論文分為四個(gè)部分。 第一部分對(duì)壽險(xiǎn)精算的基本知識(shí)、產(chǎn)生、發(fā)展及我國(guó)保險(xiǎn)業(yè)做了扼要的總結(jié)，介紹國(guó)內(nèi)壽險(xiǎn)精算的發(fā)展?fàn)顩r以及不足之處，并對(duì)今后我國(guó)的壽險(xiǎn)精算發(fā)展提出相關(guān)建議。 第二部分針對(duì)利息、年金、生存模型、生命表函數(shù)做出了詳細(xì)的總結(jié)，包括對(duì)各類利息、各種的年金類型、生存模型的構(gòu)建以及對(duì)生命表函數(shù)進(jìn)行了詳細(xì)的闡述，還舉例了具體的生命表作為分析對(duì)象，并對(duì)生命表的各個(gè)參數(shù)進(jìn)行了說(shuō)明。 第三部分介紹了保費(fèi)、精算現(xiàn)值的概念，并針對(duì)主要壽險(xiǎn)險(xiǎn)種的躉繳純保費(fèi)、均衡純保費(fèi)的公式推導(dǎo)進(jìn)行了詳細(xì)的推導(dǎo)和總結(jié)，對(duì)不同形式下生存年金的壽險(xiǎn)精算現(xiàn)值進(jìn)行了分類總結(jié)，，以及對(duì)責(zé)任準(zhǔn)備金的計(jì)算方法進(jìn)行了歸納總結(jié)。 第四部分是本論文自主創(chuàng)新最多的章節(jié)，首先對(duì)單獨(dú)夫妻家庭狀況進(jìn)行了分析，構(gòu)建了多生命函數(shù)壽險(xiǎn)模型對(duì)單獨(dú)夫妻家庭的聯(lián)合保險(xiǎn)進(jìn)行研究，最后在模型中針對(duì)壽險(xiǎn)和年金進(jìn)行了現(xiàn)值計(jì)算。 第五部分是本文的總結(jié)和以及對(duì)今后我國(guó)壽險(xiǎn)精算發(fā)展的展望。
[Abstract]:This paper gives a brief introduction to the background, research methods, the characteristics and shortcomings of life actuarial technology in China, and the significance of life actuarial technology to the economic development of China. This paper discusses the theoretical knowledge of life insurance actuarial, including interest theory, annuity, survival distribution function, life table and so on, and summarizes the actuarial present value of all kinds of life insurance, as well as the equilibrium net premium and liability reserve. At the same time, the multi-life function life insurance model is constructed for the joint insurance of single husband and wife family. The paper is divided into four parts. The first part gives a brief summary of the basic knowledge, production, development and insurance industry of life insurance, introduces the development status and deficiencies of domestic life insurance actuarial, and puts forward some relevant suggestions for the future development of life insurance actuarial in China. The second part makes a detailed summary of interest, annuity, survival model, life table function, including all kinds of interest, various types of annuity, the construction of survival model and the life table function. An example is given to illustrate the life table as an analysis object, and the parameters of the life table are explained. The third part introduces the concept of premium and actuarial present value, and deduces the formula of the net premium and equilibrium premium of the main life insurance in detail. The actuarial present value of life insurance in different forms of life annuity is classified and summarized, as well as the calculation method of liability reserve. The fourth part is the most independent innovation chapter of this paper. Firstly, it analyzes the family situation of single husband and wife, and constructs a multi-life function life insurance model to study the joint insurance of single husband and wife family. Finally, the present value of life insurance and annuity is calculated in the model. The fifth part is the summary of this article and the prospect of future life insurance actuarial development in China.
【學(xué)位授予單位】：華南理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F842.62;F840.4;F224

【參考文獻(xiàn)】

相關(guān)期刊論文 前2條

1 吳嵐,楊靜平,胡德琨;保險(xiǎn)與精算[J];北京大學(xué)學(xué)報(bào)(自然科學(xué)版);1997年01期

2 馬永偉;中國(guó)保險(xiǎn)業(yè)五十年回顧與展望[J];中國(guó)金融;1999年10期

本文編號(hào)：1962247