摘要
本文将国外比较常用的长期护理保险定价模型分为基础和动态定价模型两大类,分别进行综述分析与比较,指出离散时间的马尔科夫链模型可以作为我国长期护理保险定价的基础模型;并在此基础上,将我国的实际数据代入该模型进行测算,并分析康复率变动对数值核算结果的影响,同时对该模型提出了修正建议以进一步适应我国实际。
The article reviews and compares basic and dynamic pricing models, which are two categories of pricing model of long-term care insurance commonly used abroad, and points out that the discrete-time Markov chain model could serve as a basis for a long-term care insurance pricing model in China. The article runs the model using actual data of China, analyzes the effects on results by changing the rate of recovery, and makes some amendments on the model to adapt it better to China＇s realities.
出处
《财经论丛》
CSSCI
北大核心
2014年第8期44-50,共7页
Collected Essays on Finance and Economics
基金
教育部人文社会科学青年基金资助项目(11YJC790306)
