寿险精算技术研究

Research on The Life Insurance Technology

随着保险业在我国的迅速发展,保险业的核心——精算技术发挥了越来越重要的作用。精算科学综合利用数学、经济学、数理统计学的知识对未来的不缺定性提出量化的意见。它是从人寿保险中发展而来的,如今已广泛运用于各个金融领域,如证券,银行等。论文系统叙述了寿险精算工作的全过程,同时涉及了精算技术在基金收益率的计算、债券定价等方面的应用。

With the development of the insurance in our country, the core of the insurance-actuary is doing a very important effect. The science of actuary bring forward quantity advise with mathematics, economics, statistics. It comes from life insurance, but now it has been abroad used in a lot of finance field, for example negotiable securities and banking. The thesis recites the whole process of the life insurance actuary by the numbers. Meanwhile, it involved the application of the actuary technique in fund yield and bond pricing.