| 生命表更新对我国寿险产品保费影响的定量分析 |
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| 引用本文： | 张勇.生命表更新对我国寿险产品保费影响的定量分析[J].财经论丛,2007(3):52-57. |
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| 作者姓名： | 张勇 |
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| 作者单位： | 中山大学岭南学院,广东,广州,510275 |
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| 基金项目： | 教育部人文社会科学研究青年基金资助项目(06JC790043)，广东省自然科学基金资助项目(06300499) |
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| 摘 要： | 从2006年起,我国寿险产品定价使用新的生命表,这将影响寿险产品保费计算的关键因素——死亡率。本文运用寿险精算理论,从定量角度分析了生命表更新对定期寿险、生存年金和两全保险等基本寿险产品保费的影响。研究结果表明,生命表更新后,定期寿险和两全保险的保费降低了,男性保费的变化幅度小于女性,而对于生存年金,结果恰好相反;保费的变化程度还取决于投保年龄、保险期限、利率和性别等因素。
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| 关 键 词： | 生命表 寿险产品 保费 精算现值 |
| 文章编号： | 1004-4892（2007）03-0052-06 |
| 修稿时间： | 2006-12-05 |
The Quantitative Analysis of the Influence of Chinese Life Table Update on the Life Insurance Premiums |
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| ZHANG Yong.The Quantitative Analysis of the Influence of Chinese Life Table Update on the Life Insurance Premiums[J].Collected Essays On Finance and Economics,2007(3):52-57. |
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| Authors: | ZHANG Yong |
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| Institution: | Lingnan College, Sun Yat-sen University, Guangzhou 510275, China |
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| Abstract: | The new life tables have been used to calculate premiums and reserves since 2006,which leads to the change of the mortality rate.According to the actuarial models,the paper analyzes the change of premiums when the new Chinese Life Insurance Life Table is brought into effect.The outcome shows that the mortality table update has great effect on the premiums of life insurance products,the decrease rate of premiums of male term life and endowment are less than those of the female,and it is vice versa for life annuities.But the change degree depends on age,insurance term,interest rate,gender,etc. |
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| Keywords: | life table life insurance product premium actuarial present value |
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