住房抵押贷款偿还保险精算模型研究

A Study on Actuary of Housing Mortgage Loans Insurance

本文从寿险的角度,利用寿险精算原理建立住房抵押贷款偿还保险的精算模型,并利用寿险业经验生命表的数据对其进行实例计算;对分期缴纳保费的分析中,发现“投保金额按贷款余额计算”所存在的逻辑困难,本文为解决这一困难设计了分期缴纳保费的模型,为减轻借款人的保费负担、提供多样化的缴费选择建立了模型依据。本文的精算模型不仅适用于住房抵押贷款偿还保险,对所有分期偿还的贷款方式均可提供此类性质的保险,拓宽了保险公司的业务范围。

From the point of ＂life insurance＂, being based on the principle of the actuary of life insurance, the paper sets up an actuarial model of Housing mortgage loans insurance, and practiced example calculating according to the data of the mortality table in life insurance; during the course of analyzing ＂paying for insurance by installments＂, the author found the logical perplex of ＂taking out the amount of the insurance according to the remaining amount of loan＂, for settling this difficulty, the paper designed the model of paying for insurance by installments, this action introduces the model basis for lightening the insurance payment burden of the borrower, and provides varied choices of payment. The actuarial model in this paper is not only used in housing mortgage loan insurance, but also provides this kind of insurance for all kinds of payments by installment, it widens up the business range of insurance companies.