论投资连结保险的收益

To Discuss on Return of Investment Unit-linked Insurance

投资连结保险作为寿险公司的投资型险种,其收益和风险均有投保人承担。收益的取得来源于投资账户投资于银行存款、债券、基金及股票的加权平均收益,即投资组合收益。文中运用马科维茨的均值方差模型及多目标非线性规划模型,引入投资者偏好系数,对投资连结保险的收益进行分析,以期对消费者购买投资连结保险有所帮助。

As an investment-oriented insurance, policyholder is the responsible of the return and risk of the unit-linked insurance. The return of unit-linked insurance is come from the investment account,which is invested in bank deposits,bonds,funds and equities. Except introducing investors＇ performance coefficient,this article use Markowitz mean-variance model and multi-objective model researching into return of unit-linked insurance. Doing this to help investors buy unit-linked insurance.