夫妻婚姻保险的精算模型研究
发布时间：2019-03-10 20:20
【摘要】：保险业作为金融体系的一个重要分支，在社会发展中起着越来越重要的作用，而人寿保险作为保险业的一个重要组成部分与社会公众利益密切相关，从而引起了人们越来越多的关注。 第一章是绪论，首先简要介绍了夫妻婚姻联合保险的背景和提出的必要；其次，对国内外个人寿险和联合寿险模型的研究成果进行综述；最后，介绍了本文的内容安排。 第二章是人寿保险的概述。首先介绍了人寿保险的概念并给出了人寿保险的特点。其次，介绍了人寿保险的险种；最后介绍了联合寿险并说明了联合寿险在保险业发展中的优势。 第三章是寿险精算数学的基本理论。首先介绍了一元寿险的相关精算理论；其次介绍了二元寿险精算的相关理论；最后给出了基本的利息理论简要介绍，其中主要介绍了四大死亡力假设：De Moivre、Gompertz、Makeham、Weibull。 第四章针对个体寿险分别在死亡力的四大假设下对固定利率模型和随机利率模型中各种趸缴纯保费给出了相应的结论。 第五章针对个体寿险分别在死亡力的四大假设下对固定利率模型和随机利率模型中各种趸缴纯保费给出了相应的结论。 第六章建立夫妻婚姻联合寿险，，并依据该模型计算出相应的趸缴纯保费。
[Abstract]:As an important branch of the financial system, the insurance industry plays a more and more important role in the social development, and life insurance, as an important component of the insurance industry, is closely related to the public interest of the society. As a result, more and more people pay attention to it. The first chapter is the introduction, firstly, it briefly introduces the background and necessity of marriage insurance; secondly, it summarizes the research results of individual life insurance and United life insurance model at home and abroad; finally, it introduces the content arrangement of this paper. The second chapter is an overview of life insurance. Firstly, the concept of life insurance is introduced and the characteristics of life insurance are given. Secondly, it introduces the insurance types of life insurance, and finally introduces the advantages of United life insurance in the development of insurance industry. The third chapter is the basic theory of actuarial mathematics of life insurance. This paper first introduces the related actuarial theory of univariate life insurance, secondly introduces the related theory of binary life insurance actuarial science, and finally gives a brief introduction of the basic interest theory, in which it mainly introduces the four major death force hypotheses: De Moivre,Gompertz,Makeham,Weibull.. In the fourth chapter, according to the four hypotheses of individual life insurance's death power, the corresponding conclusions are given to the fixed interest rate model and the random interest rate model for various kinds of net premium in the fixed interest rate model and the random interest rate model. In the fifth chapter, according to the four hypotheses of individual life insurance's death power, the corresponding conclusions are given to the fixed interest rate model and random interest rate model for the pure premium of various kinds of barges in the fixed interest rate model and the random interest rate model. The sixth chapter establishes the married marriage union life insurance, and calculates the corresponding net premium according to the model.
【学位授予单位】：南京财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F840.62;F224
本文编号：2437982
[Abstract]:As an important branch of the financial system, the insurance industry plays a more and more important role in the social development, and life insurance, as an important component of the insurance industry, is closely related to the public interest of the society. As a result, more and more people pay attention to it. The first chapter is the introduction, firstly, it briefly introduces the background and necessity of marriage insurance; secondly, it summarizes the research results of individual life insurance and United life insurance model at home and abroad; finally, it introduces the content arrangement of this paper. The second chapter is an overview of life insurance. Firstly, the concept of life insurance is introduced and the characteristics of life insurance are given. Secondly, it introduces the insurance types of life insurance, and finally introduces the advantages of United life insurance in the development of insurance industry. The third chapter is the basic theory of actuarial mathematics of life insurance. This paper first introduces the related actuarial theory of univariate life insurance, secondly introduces the related theory of binary life insurance actuarial science, and finally gives a brief introduction of the basic interest theory, in which it mainly introduces the four major death force hypotheses: De Moivre,Gompertz,Makeham,Weibull.. In the fourth chapter, according to the four hypotheses of individual life insurance's death power, the corresponding conclusions are given to the fixed interest rate model and the random interest rate model for various kinds of net premium in the fixed interest rate model and the random interest rate model. In the fifth chapter, according to the four hypotheses of individual life insurance's death power, the corresponding conclusions are given to the fixed interest rate model and random interest rate model for the pure premium of various kinds of barges in the fixed interest rate model and the random interest rate model. The sixth chapter establishes the married marriage union life insurance, and calculates the corresponding net premium according to the model.
【学位授予单位】：南京财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F840.62;F224
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