单独夫妻家庭寿险精算方法与应用研究

发布时间：2018-06-01 01:15

本文选题：寿险精算 + 生存函数　；参考：《华南理工大学》2014年硕士论文

【摘要】：本文对寿险精算产生的背景、研究的方法，我国应用寿险精算技术的特点与不足之处，以及寿险精算技术对我国经济发展的重要意义做了简要的介绍。详细论述了寿险精算的理论知识，包括利息理论、年金、生存分布函数、生命表等知识；对各种寿险险种的精算现值、以及均衡纯保费、责任准备金进行了归纳总结。同时针对单独夫妻家庭的联合保险，构建了多生命函数寿险模型对其进行研究。论文分为四个部分。第一部分对寿险精算的基本知识、产生、发展及我国保险业做了扼要的总结，介绍国内寿险精算的发展状况以及不足之处，并对今后我国的寿险精算发展提出相关建议。第二部分针对利息、年金、生存模型、生命表函数做出了详细的总结，包括对各类利息、各种的年金类型、生存模型的构建以及对生命表函数进行了详细的阐述，还举例了具体的生命表作为分析对象，并对生命表的各个参数进行了说明。第三部分介绍了保费、精算现值的概念，并针对主要寿险险种的趸缴纯保费、均衡纯保费的公式推导进行了详细的推导和总结，对不同形式下生存年金的寿险精算现值进行了分类总结，，以及对责任准备金的计算方法进行了归纳总结。第四部分是本论文自主创新最多的章节，首先对单独夫妻家庭状况进行了分析，构建了多生命函数寿险模型对单独夫妻家庭的联合保险进行研究，最后在模型中针对寿险和年金进行了现值计算。第五部分是本文的总结和以及对今后我国寿险精算发展的展望。
[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.
【学位授予单位】：华南理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.62;F840.4;F224

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