死亡率和利率對(duì)壽險(xiǎn)產(chǎn)品純保費(fèi)的影響分析-文庫吧資料
2025-07-03 13:38本頁面
【正文】 ，但在25歲到55歲呈較明顯的上升趨勢(shì)。⑵ 從死亡人數(shù)減少數(shù)量的絕對(duì)值大小來看：① 0到11歲、18到32歲、59到61歲、66到76歲，均為連續(xù)遞減，說明死亡率改善的幅度逐年變?。虎?11到18歲、32到59歲、61到66歲，均為連續(xù)遞增，說明死亡率改善的幅度逐年變大；③ 77到80歲，為連續(xù)遞增，說明死亡率惡化的幅度逐年變大。由于在模型假設(shè)中，我們約定以男性生命表為標(biāo)準(zhǔn)來研究死亡率變化對(duì)均衡純保費(fèi)的影響，因此在下面給出中國人壽保險(xiǎn)業(yè)經(jīng)驗(yàn)生命表(19901993)非養(yǎng)老金業(yè)務(wù)男表(舊表)、中國人壽保險(xiǎn)業(yè)經(jīng)驗(yàn)生命表(20002003)非養(yǎng)老金業(yè)務(wù)男表(新表)的具體數(shù)據(jù)及對(duì)比變化情況(%)： 表 1 男性新舊生命表對(duì)比及死亡人數(shù)變化情況年齡x19991993 CL120002003 CL1死亡人數(shù)減少生存人數(shù)死亡人數(shù)生存人數(shù)死亡人數(shù)01,000,000 3,037 1,000,000 722 2,315 1996,963 2,150 999,278 603 1,547 2994,813 1,603 998,675 498 1,105 3993,210 1,242 998,177 415 827 4991,968 992 997,762 357 635 5990,976 813 997,405 323 490 6990,163 683 997,082 308 375 7989,480 587 996,774 307 280 8988,893 514 996,467 310 204 9988,379 463 996,157 310 153 10987,916 432 995,847 311 121 11987,484 426 995,536 311 115 12987,058 452 995,225 311 141 13986,606 509 994,914 319 190 14986,097 595 994,595 334 261 15985,502 696 994,261 362 334 16984,806 799 993,899 401 398 17984,007 893 993,498 452 441 18983,114 964 993,046 510 454 19982,150 1,010 992,536 567 443 20981,140 1,029 991,969 616 413 21980,111 1,027 991,353 655 372 22979,084 1,009 990,698 686 323 23978,075 981 990,012 709 272 24977,094 950 989,303 730 220 25976,144 922 988,573 750 172 26975,222 902 987,823 770 132 27974,320 892 987,053 785 107 28973,428 893 986,268 804 89 29972,535 908 985,464 829 79 30971,627 935 984,635 868 67 31970,692 978 983,767 917 61 32969,714 1,032 982,850 977 55 33968,682 1,100 981,873 1,035 65 (續(xù)表)34967,582 1,182 980,838 1,100 82 35966,400 1,277 979,738 1,170 107 36965,123 1,386 978,568 1,247 139 37963,737 1,508 977,321 1,336 172 38962,229 1,646 975,985 1,437 209 39960,583 1,798 974,548 1,549 249 40958,785 1,966 972,999 1,668 298 41956,819 2,153 971,331 1,792 361 42954,666 2,358 969,539 1,918 440 43952,308 2,584 967,621 2,045 539 44949,724 2,831 965,576 2,177 654 45946,893 3,102 963,399 2,325 777 46943,791 3,398 961,074 2,494 904 47940,393 3,723 958,580 2,689 1,034 48936,670 4,076 955,891 2,907 1,169 49932,594 4,461 952,984 3,144 1,317 50928,133 4,882 949,840 3,391 1,491 51923,251 5,340 946,449 3,641 1,699 52917,911 5,836 942,808 3,896 1,940 53912,075 6,376 938,912 4,163 2,213 54905,699 6,961 934,749 4,466 2,495 55898,738 7,594 930,283 4,841 2,753 56891,144 8,277 925,442 5,315 2,962 57882,867 9,014 920,127 5,914 3,100 58873,853 9,806 914,213 6,637 3,169 59864,047 10,656 907,576 7,469 3,187 60853,391 11,566 900,107 8,382 3,184 61841,825 12,537 891,725 9,354 3,183 62829,288 13,568 882,371 10,366 3,202 63815,720 14,660 872,005 11,415 3,245 64801,060 15,813 860,590 12,515 3,298 65785,247 17,022 848,075 13,683 3,339 66768,225 18,283 834,392 14,939 3,344 67749,942 19,593 819,453 16,296 3,297 68730,349 20,939 803,157 17,752 3,187 69709,410 22,316 785,405 19,298 3,018 (續(xù)表)70687,094 23,708 766,107 20,922 2,786 71663,386 25,099 745,185 22,609 2,490 72638,287 26,472 722,576 24,339 2,133 73611,815 27,805 698,237 26,094 1,711 74584,010 29,071 672,143 27,847 1,224 75554,939 30,245 644,296 29,574 671 76524,694 31,295 614,722 31,246 49 77493,399 32,188 583,476 32,828 640 78461,211 32,892 550,648 34,281 1,389 79428,319 33,373 516,367 35,563 2,190 80394,946 33,598 480,804 36,631 3,033 81361,348 33,538 444,173 37,410 3,872 82327,810 33,169 406,763 37,858 4,689 83294,641 32,475 368,905 37,923 5,448 84262,166 31,447 330,982 37,563 6,116 85230,719 30,090 293,419 36,742 6,652 86200,629 28,419 256,677 35,442 7,023 87172,210 26,465 221,235 33,663 7,198 88145,745 24,272 187,572 31,426 7,154 89121,473 21,893 156,146 28,783 6,890 9099,580 19,398 127,363 25,806 6,408 9180,182 16,857 101,557 22,597 5,740 9263,325 14,346 78,960 19,271 4,925 9348,979 11,938 59,689 15,960 4,022 9437,041 9,697 43,729 12,792 3,095 9527,344 7,676 30,937 9,888 2,212 9619,668 5,908 21,049 7,338 1,430 9713,760 4,415 13,711 5,204 789 989,345 3,197 8,507 3,509 312 996,148 2,237 4,998 2,236 1 1003,911 1,511 2,762 1,337 174 1012,400 982 1,425 744 238 1021,418 613 681 3
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