可变利率下的两全保险  

Insurance model under variable interest rates

作　　者：倪虎波[1] 张秀萍[1] 

机构地区：[1]山东科技大学信息科学与工程学院,山东青岛266510

出　　处：《山东理工大学学报（自然科学版）》2008年第6期48-50,共3页Journal of Shandong University of Technology:Natural Science Edition

摘　　要：两全保险是寿险中的一个重要险种,在传统精算学的基础上,以变利率为背景,对当前经常使用的常数利率下的两全保险模型进行改进.将原有的常利率下的两全保险模型推广到可变利率的情况,并给出了此情况下的纯保费的计算方法.这样计算得到的各项数据将更加贴近实际,而对于保险公司的各项实务具有参考价值.The insurance of both loyal and filially pious is an important type of life insurance.Based on the traditional actuary,the insurance model of both loyal and filially pious under constant interest rate was improved for use under variable interest rates,under which the calculating method for net premiums was given.The data thus calulated were more accurate,which could be a reference to the property insurance of the insurance company.

关 键 词：可变利率 两全保险 纯保费 

分 类 号：F840.32[经济管理—保险]