我国年金产品的效用比较  

Comparison of the utility gain of annuity products in China

作　　者：韩猛[1] 王晓军[1] 

机构地区：[1]中国人民大学统计学院,北京100872

出　　处：《保险研究》2010年第4期17-21,共5页Insurance Studies

摘　　要：本文基于已婚夫妇养老的角度,利用CRRA效用函数,在我国实际数据的基础上,对夫妇退休收入年金化决策的效用进行了评估,发现对已婚夫妻家庭来说,购买连生类年金产品带来的效用要高于普通的生存年金,而我国目前个人年金市场的一些主要产品并不能很好地满足家庭的养老需求。Addressing the topic from the perspective of married couples, the article applied the CRRA utility function and China＇s actual data to evaluate the utility gain of annuitizing the retirement income by married couples. The result revealed that for households of married couples, the utility gain of purchasing a joint life annuity product was higher than the single life annuity product, but the key products in the market failed to meet the old age provision needs of Chinese families.

关 键 词：连生年金 个人年金 随机动态规划 

分 类 号：F840[经济管理—保险]