| 我国商业性养老保险产品定价研究 |
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| 引用本文： | 许辉,祝立宏. 我国商业性养老保险产品定价研究[J]. 审计与经济研究, 2010, 25(4) |
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| 作者姓名： | 许辉 祝立宏 |
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| 作者单位： | 浙江工商大学,财务与会计学院,浙江,杭州,310018 |
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| 摘 要： | 以国内某著名保险公司推出的一款具有代表性的商业性养老保险产品为例,结合目前我国居民预期寿命和银行五年期存款利率的现状,对我国商业性养老保险产品的定价进行研究.在运用构建的模拟商业性养老保险模型进行分析后发现,为了获得相同的养老保障水平,商业性养老保险产品的价格是其价值的3倍之多,其价格明显偏高;商业性养老保险产品价格过高是与保险公司支付的保险销售佣金等有关.
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| 关 键 词： | 商业性养老保险 模拟商业性养老保险模型 产品定价 交易费用 |
A Research on the Pricing of Commercial Endowment Insurance Products in China |
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| XU Hui,ZHU Li-hong. A Research on the Pricing of Commercial Endowment Insurance Products in China[J]. , 2010, 25(4) |
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| Authors: | XU Hui ZHU Li-hong |
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| Affiliation: | XU Hui,ZHU Li-hong (School of Finance , Accounting,Zhejiang University of Industry , Business,Hangzhou 310018,China) |
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| Abstract: | By a case study from a certain insurance company in China,this paper concludes that to gain the same value of the pension of commercial endowment insurance product,the buyer will have to pay three times more than the value of the product itself. The conclusion is based on the analysis framework of analogizing commercial endowment insurance model and the present life span and interest rate of five-year in China. So,the pricing of the commercial endowment insurance products is much higher than its real value.... |
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| Keywords: | commercial endowment insurance model of analogizing commercial endowment insurance pricing of product transaction cost |
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