商业养老保险的精算模型  

The Actuarial Model of Commercial Endowment

作　　者：张瑞[1] 张新祥[1] 

机构地区：[1]河南财经学院计算机科学系,郑州450002

出　　处：《郑州大学学报（理学版）》2006年第4期117-120,共4页Journal of Zhengzhou University:Natural Science Edition

摘　　要：保险公司开办的商业养老保险,是我国养老保障制度的重要补充.收缴合理的保费是保险公司生存的关键.针对商业养老保险,建立了若干种养老保险模型,并利用精算数学的方法给出了这些模型的趸缴及年缴均衡净保费的计算公式.Commercial endowment set up by an insurance company is an important complement to the guarantee system for the aged of our country. Taking over the reasonable premium is the key to the surviving of such a company. Some kinds of endowment models for insurance are built up and the calculating formula of net single premium and net annual premium of these models are presented. That is a completely new attempt which has a certain theoretical and practical value.

关 键 词：趸缴净保费 年缴均衡净保费 年金 保险 

分 类 号：O412[理学—理论物理]