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人寿保险合同复效的决策分析
引用本文:毛宏.人寿保险合同复效的决策分析[J].应用数学与计算数学学报,2000,14(2):88-92.
作者姓名:毛宏
作者单位:上海第二工业大学工商管理学院,上海,200041
摘    要:本文提出人寿保险合同复效的决策分析问题,通过建立计算方程分别计算保险合同复效方案和重新购买新保单方案的净保费现值,为投保人选择最佳方案提供一种科学的定量分析方法,本文还借助于计算机定量分析若干因素对方案选择的影响,并讨论利息率的敏感性分析。

关 键 词:人寿保险  合同复效  决策分析  保费  定量分析  利息率  敏感性
修稿时间:1999年1月9日

The Decision Analysis on Whether A Life Insurance Contract Is Restated or Not
HONG MAO.The Decision Analysis on Whether A Life Insurance Contract Is Restated or Not[J].Communication on Applied Mathematics and Computation,2000,14(2):88-92.
Authors:HONG MAO
Abstract:In this article,a decision analysis on whether a life insurance contract is restated or not is proposed. Th present values of net premium of two alternatives are calculated by establishing calculation equations. It provides the insured with a scientific and quantitied method of selecting optimal purchasing plan. Furthermore, the influence of several factors on selecting these two alternatives is analysised with the help of computers and sensitivity of interest rates is discussed.
Keywords:life insurance contract  restatement  decisive analysis  present value of net  premium  
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