多利率下寿险资金的最优投资计划与费率计算  

The Best Investment Plans of Life Insurance Funds and Premium Rate Calculation under Multiple Interest Rates

作　　者：王波[1] 

机构地区：[1]浙江广播电视大学工商学院,浙江宁波315016

出　　处：《保险职业学院学报》2015年第2期69-73,共5页Journal of Insurance Professional College

摘　　要：在假定长期利率高于短期利率的基础上建立了寿险资金的一个最优投资计划。根据这个投资计划,能够合理安排保费资金的投资期限以达到最大的保险支付水平,从而给出了多利率情况下寿险费率的计算依据。列出了两个典型寿险产品的计算数据,结果表明,在保险费率计算中,起主要作用的是最大期限的利率,其次是不同利率的一个综合水平。这一结论为寿险预定利率的确定提供了理论基础。Assuming that long -term rates are higher than short -term rates, a best investment plan of life insurance funds is established. According to the investment plan, we can arrange the investment term of premium funds rationally and achieve the maximum level of insurance payment, which gives the calculation basis of life in- surance rate under multiple interest rates. We list the calculated results of two typical life insurance products, which show that the main factor in the calculation of premium rates is the longest term interest rate, followed by a comprehensive level of the different interest rates. This conclusion provides a theoretical basis for determining assumed interest rate of life insurance.

关 键 词：预定利率 多种利率 最优投资计划 寿险费率计算 

分 类 号：F840[经济管理—保险]