| 综合人寿保险精算模型 |
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| 引用本文： | 郎艳怀,冯恩民.综合人寿保险精算模型[J].运筹学学报,2002,6(1):71-74. |
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| 作者姓名： | 郎艳怀 冯恩民 |
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| 作者单位： | 1. 上海财经大学数学系,上海,200433
2. 大连理工大学应用数学系,大连,116024 |
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| 摘 要： | 保险是金融的重要组成部分，国际保险业发展迅速，我国保险业务较晚，资料匮乏，迫切需要引进国外先进的保险经验和保险技术，并结合我国的实际情况加以运用。本文建立了一个综合的人寿保险精算模型，其中包括生存年金，终身寿险和还本部分。通过适当的调整参数进行组合，可以获得不同的保险产品。
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| 关 键 词： | 人寿保险 精算模型 年金 精算现值 保费 中国 保险业 |
Aggregate Model on Life Insurance |
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| YANHUAI LANG.Aggregate Model on Life Insurance[J].OR Transactions,2002,6(1):71-74. |
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| Authors: | YANHUAI LANG |
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| Abstract: | Insurance is an important aspect of finance. It has developed rapidly during the international market of insurance. Because it was developing in our country late and references on insurance are lacking, it is necessary to introduce the alien modern experience and technique, to absorb them based on our concrete situation. A aggregate model of general life insurance product is established in this thesis, including deferred life annuities, whole life insurance and returnable premiums. Then through the regulation among various parameters, we can gain various insurance products. |
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| Keywords: | Life insurance annuities actuarial present value and premium |
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