摘要
长寿风险是指个人实际寿命高于预期寿命产生的财务风险。长寿风险给保险公司同时带来了新的挑战与机遇。近年来西方保险公司推出了各种应对长寿风险的创新解决方案,包括附保证变额年金、长期护理保险、反向抵押贷款和长寿风险证券化,对我国具有借鉴意义。本文从保险公司的新视角系统梳理了这四种创新方案,并对其优缺点和适用条件进行了比较分析。
Longevity risk refers to the financial risk occurs when the life expectancy of individuals is higher than expected. It brings challenges and opportunities for insurance companies. In recent years, Western insurance companies have introduced a variety of innovative solutions to longevity risk,including variable annuities with guarantee, long-term care insurance, reverse mortgages and longevity risk securitization, providing useful inspirations for China. From the perspective of insurance companies, this paper systematically examined the four solutions, and conducted a comparative analysis of their advantages, disadvantages, and applicable conditions.
出处
《保险研究》
北大核心
2011年第4期70-75,共6页
Insurance Studies
关键词
长寿风险
附保证变额年金
长期护理保险
反向抵押贷款
长寿风险证券化
longevity risk
variable Annuity with Guarantee
Long-term Care Insurance
Reverse Mortgage
Longevity Risk Securitization
