固定利率下新农保个人账户养老金积累金额精算模型研究  

作　　者：董丽光 赵亚华 

机构地区：[1]哈尔滨工程大学理学院应用数学系,黑龙江哈尔滨150001

出　　处：《黑龙江科技信息》2016年第31期294-295,共2页Heilongjiang Science and Technology Information

摘　　要：随着我国人口老龄化速度的加快,人口老龄化问题日益突出。本文以固定利率为基础,构建了新农保个人账户养老金积累金额精算模型,通过引入个人账户养老金积累金额的灵敏度分析函数,对影响该精算模型的几个因素进行了敏感度分析,得到了个人账户中养老金积累金额与参保居民开始参保的年龄、缴费的标准及利率有关,且受利率影响最为显著的结论。本文结果在估算新农保个人账户养老金积累金额的实际问题中,具有一定的应用价值。With the increase of population aging speed, the population aging problem increasingly prominent. In this paper, based on the fixed interest rate, the paper established the accumulated actuarial model of individual account of the new rural pension insur- ance. By introducing individual account annuities accumulated amount of the sensitivity analysis function, then analyze several factors which affect the accumulated actuarial model, the article derived that the article derived that the accumulated actuarial model of indi- vidual account has relation with the age that people join the insurance, the standard of the pay cost, the interest rate, and significantly affected by the interest rate.The results of this article is to estimate the new agricultural insurance individual account annuities accumu- lation amount of practical problems, has a certain application value.

关 键 词：养老金积累精算模型 灵敏度 缴费率 基金收益率 

分 类 号：TP393[自动化与计算机技术—计算机应用技术]