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商业年金保险内部收益率与长期养老保障关系研究

Research on the Relationship between Internal Rate of Return of Commercial Pension Insurance and Long-term Pension Security
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摘要 商业年金保险作为社保养老补充,确定性的主险收益加上浮动性的万能账户收益能否抵御通货膨胀风险,从而满足长期养老需求,是投资者一直关注的话题。本文通过保险市场三种商业年金保险投保方式,构建不同结算利率下万能险的年末保单最低现金价值精算模型。研究发现:无论选择哪种投保方式,年金保险保单持有前期,女性保单内部收益率均高于男性,随着保单持有年限增加,内部收益率差距逐渐缩小,最终保单收益率达到趋同,且投保年龄越早、保单持有年限越长、内部收益率越高;在三种投保方式中,内部收益率和抵御通货膨胀效果从高到低依次为:万能养老年金保险、终身养老年金保险和满期年金养老年金保险。基于研究结论,消费者应增强消费者投保商业养老年金保险意识和规划;政府应倡导将商业年金险作为养老的补充方式;保险公司应创新商业养老年金保险产品和服务,注重发挥养老年金保险的保障功能作用。 As a supplement to social security and pension,whether commercial annuity insurance can withstand inflation risks and meet long-term pension needs by combining deterministic main insurance returns with floating universal account returns has been a topic of concern for investors.This article constructs an actuarial model for calculating the minimum cash value of universal life insurance policies at the end of the year based on three different commercial annuity insurance subscription methods in the insurance market,taking into account varying interest rates.The research findings indicate that,regardless of the subscription method chosen,female policyholders experience a higher internal rate of return(IRR)than male policyholders in the early years of holding the annuity insurance.As the policy holding period extends,the gap in internal rates of return gradually narrows,eventually leading to convergence in the policy returns.Furthermore,the earlier the age at which the policy is purchased,the longer the policy holding period,the higher the internal rate of return.Among the three subscription methods,the effectiveness in terms of internal rate of return and resistance to inflation,ranked from highest to lowest,is as follows:universal retirement annuity insurance,lifelong retirement annuity insurance,and maturing annuity insurance.Based on these research conclusions,it is recommended that consumers enhance their awareness and planning regarding the purchase of commercial pension annuity insurance.The government should promote commercial annuity insurance as a supplementary means of retirement.Insurance companies should innovate in their commercial pension annuity insurance products and services,emphasizing the protective functions of pension annuity insurance.
作者 沈杨阳 刘鸿浩 饶华城 SHEN Yangyang;LIU Honghao;RAO Huacheng
出处 《价格理论与实践》 北大核心 2024年第4期194-199,共6页 Price:Theory & Practice
基金 广东省哲学社会科学规划学科共建项目(GD18XGL27) 广东理工学院教学研究与改革项目(JXGG202266)的资助。
关键词 商业年金保险 内部收益率 养老保障 commercial annuity insurance tnternal rate of return old age security
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