壽險精算課程設(shè)計

1、保險精算課程設(shè)計題 目:男性20年全期兩全壽險的 年繳均衡純保費(fèi) 學(xué) 院： 理學(xué)院 班 級： 數(shù)學(xué)13-2班 學(xué) 生 姓 名： 李亞輝 學(xué) 生 學(xué) 號： 2013027904 指 導(dǎo) 教 師： 陳輝 2016年 12 月 22 日課程設(shè)計任務(wù)書姓名李亞輝班級數(shù)學(xué)13-2班學(xué)號14設(shè)計題目男性20年全期兩全壽險的年繳均衡純保費(fèi)理論要點(diǎn)年齡間均勻分布假設(shè)死亡后立即給付的n年期兩全壽險的年繳均衡純保費(fèi)即完全連續(xù)型n年期兩全壽險的年繳均衡純保費(fèi)設(shè)計目標(biāo)通過本次課程設(shè)計，能熟練使用Excel軟件對數(shù)據(jù)進(jìn)行處理，理解保險與年金的關(guān)系，鍛煉將理論知識與實(shí)踐操作相結(jié)合的能力，提高對Excel軟件的操作能力。研

2、究方法步驟在Excel軟件中輸入中國人壽保險業(yè)經(jīng)驗(yàn)生命表中的生存人數(shù)，通過Excel軟件的計算，求出，進(jìn)而得出n年期兩全保險，由公式，進(jìn)而求出死亡后立即給付的男性20年全期兩全壽險的年繳均衡純保費(fèi)。預(yù)期結(jié)果1. 找出相關(guān)換算函數(shù)；2. 利用Excel計算出均衡純保費(fèi)；3. 能對結(jié)果進(jìn)行了合理的分析；計劃與進(jìn)步的安排課程設(shè)計安排兩周，分四個階段完成：第一階段（第1-3天）：上網(wǎng)搜查有關(guān)資料,錄入Excel數(shù)據(jù)第二階段（第4-7天）：寫課程設(shè)計理論依據(jù)部分,并整理出問題的求解公式和換算函數(shù)公式。第三階段 (第8-11天)：用Excel進(jìn)行相關(guān)函數(shù)求解，并得出結(jié)果第四階段（第12-14天）：寫課程設(shè)

3、計的摘要和結(jié)論，最后進(jìn)行論文的審核和排版、打印等目錄摘要I1問題分析12模型建立13換算函數(shù)計算23.1換算函數(shù)公式23.2 EXCELL計算公式24計算結(jié)果.35 結(jié)論.86 體會.8參考文獻(xiàn).8摘要針對當(dāng)今保險行業(yè)的均衡純保費(fèi)問題，本文借男性20年全期兩全壽險的均衡純保費(fèi)問題展開論述，并借助借助Excel軟件處理相關(guān)數(shù)據(jù)。在Excel軟件中輸入中國人壽保險業(yè)經(jīng)驗(yàn)生命表中的生存人數(shù)，通過Excel軟件的計算，求出，得出n年期兩全保險，進(jìn)而求出死亡后立即給付的男性20年全期兩全壽險的年繳均衡純保費(fèi)。然后對得出的結(jié)論進(jìn)行分析，對輸出結(jié)果進(jìn)行評價，并提出合理化的建議。關(guān)鍵詞 20年全期兩全壽險 均

4、衡純保費(fèi) 經(jīng)驗(yàn)生命表 生命年金 1問題分析求男性20年全期兩全壽險的年繳均衡純保費(fèi)要求：根據(jù)附錄表和4%的預(yù)定利率，計算死亡在年齡間均勻分布假設(shè)下死亡后立即給付的20年兩全壽險的年繳均衡純保費(fèi)。由題目可知，死亡在年齡間均勻分布假設(shè)下，求預(yù)定利率為4%的死亡后立即給付的20年兩全壽險的年繳均衡純保費(fèi)。所以是完全連續(xù)型壽險。然后根據(jù)壽險精算有關(guān)知識，通過換算函數(shù)就可列出男性n年全期兩全壽險的均衡純保費(fèi)的計算公式.2模型建立2.1 n年期定期生命年金 （2-1）2.2 n年期兩全保險 （2-2）其中表示n年期生存保險，表示n年期定期保險。n年期兩全保險由二者構(gòu)成。2.3 n年期兩全壽險的年繳均衡純保

5、費(fèi) （2-3）由等價原則，有 （2-4）所以可知，凈保費(fèi)是相應(yīng)的保險與年金的精算現(xiàn)值的比率。因此，可利用年金與保險之間的關(guān)系式推導(dǎo)出跟簡單的計算公式。由 （2-5）有 （2-6）于是有 （2-7）從而 （2-8）3換算函數(shù)計算3.1 換算函數(shù)公式 （3-1）其中 （3-2）表示折現(xiàn)因子；表示年利率；表示利息力；表示死亡人數(shù)；表示生存人數(shù)。與之間的關(guān)系為3.2 EXCELL計算公式在Excel軟件中輸入中國人壽保險業(yè)經(jīng)驗(yàn)生命表（1990-1993） （男CL1）中的生存人數(shù)，求出，進(jìn)而求出，即男性20年全期兩全壽險的均衡純保費(fèi)。4計算結(jié)果表1 計算結(jié)果表x01000000303711000000

6、447779.52920.192199696321500.961538958618.3430105.61987.796299481316030.924556919760.5413129.81425.061399321012420.888996882960.1396830.81061.66749919689920.854804847938.4381185.4815.351759909768130.821927814510366168642.525769901636830.790315782540.2351752.1519.023979894805870.759918751923.5337910.

7、3428.915289888935140.73069722574.4324616.3361.129699883794630.702587694422311844.7312.7862109879164320.675564667400.7299570.7280.619119874844260.649581641450.8287771.6266.0783129870584520.624597616513.5276424.7271.4595139866065090.600574592530265510.1293.9348149860975950.577475569446.4257380.2330.38

8、24159855026960.555265547214.3244900.7371.6001169848067990.533908525796235170.3410.1852179840078930.513373505162.9225800.5440.8099189831149640.493628485292.7216776.2457.55531998215010100.474642466170.1208082.1460.95082098114010290.456387447779.5199704.4451.55982198011110270.438834430105.6191629.7433.

9、34822297908410090.421955413129.8183844.7409.3779239780759810.405726396830.8176337.2382.7092249770949500.390121381185.4169094.9356.361259761449220.375117366168162106.6332.5555269752229020.360689351752.1155361.1312.8285279743208920.346817337910.3148847.8297.4619289734288930.333477324616.3142556.3286.3

10、417299725359080.320651311844.7136476.9279.9534309716279350.308319299570.7130600277.1903319706929780.29646287771.6124916.4278.78673296971410320.285058276424.7119417.2282.865233968682-79000.274094265510.1114094.2-2082.0634976582101820.263552257380.21089392580.2763596640012770.253415244900.7103944311.1

11、653696512313860.243669235170.399101.65324.73543796373715080.234297225800.594404.99339.73043896222916460.225285216776.289847.23356.55753996058317980.216621208082.185422.12374.50374095878519660.208289199704.481123.69393.74644195681921530.200278191629.786086.79414.61384295466623580.192575183844.772885.

12、03436.62664395230825840.185168176337.268935.15460.07184494972428310.178046169094.965092.56484.66274594689331020.171198162106.661353.48510.63224694379133980.164614155361.157714.91537.84414794039337230.158283148847.854174.38566.62114893667040760.152195142556.350729.83596.48644993259444610.146341136476

13、.947380.2627.7195092813348820.14071313060044124.76660.53755192325153400.135301124916.440963.7694.71655291791158360.130097119417.237897.94730.04285391207563760.125093114094.234929.02766.91635490569969610.12028210893932059.24805.0785589873875940.11565610394429291.71844.50775689114482770.11120799101.65

14、26630.07885.05985788286790140.1069394404.9924078.59926.79545887385398060.10281789847.2321642.09969.448859864047106560.09886385422.1219325.621012.96460853391-884340.0950681123.6917134.47-8083.24619418251125370.09140486086.7915073.889890.72962829288135680.08788972885.0313148.871146.60963815720146600.0

15、8450868935.1511363.861191.24364801060158130.08125865092.569722.4531235.51365785247170220.07813361353.488227.1521278.82266768225182830.07512857714.916879.0191320.72967749942195930.07223854174.385677.5091360.92468730349209390.0694650729.834620.191398.47869709410223160.06678847380.23702.6491433.1270687

16、094237080.06421944124.762918.581463.95571663386250990.06174940963.72259.661490.23972638287264720.05937437897.941715.9631511.30873611815278050.05709134929.021276.1721526.35674584010290710.05489532059.24928.00181534.47475554939302450.05278429291.71658.71081535.0476524694312950.05075426630.07455.574715

17、27.24277493399321880.04880124078.59306.46761510.40578461211328920.04692421642.09200.12991484.07779428319333730.0451219325.62126.59991447.86580394946335980.04338417134.4777.437961401.56481361348335380.04171615073.8845.69241345.25182327810331690.04011113148.8725.958261279.27983294641324750.03856911363

18、.8614.169741204.33984262166314470.0370859722.4537.4132191121.36185230719300900.0356598227.1523.7105151031.70486200629284190.0342876879.0190936.932487172210264650.0329695677.5090838.953888145745242720.0317014620.190739.84189121473218930.0304813702.6490641.65979099580193980.0293092918.580546.667391801

19、82168570.0281822259.660456.78639263325143460.0270981715.9630373.79229348979119380.0260561276.1720299.0871943704196970.025053928.00180233.5986952734476760.02409658.71080177.8011961966859080.023163455.57470131.5851971376044150.022272306.4676094.5504298934531970.021416200.1299065.8327699614822370.02059

20、2126.5999044.29269100391115110.019877.43796028.7671710124009820.01903945.6924017.9767410214186130.01830625.95826010.790131038053670.01760214.1697406.2115331044382100.0169257.41321903.417581052282280.0162743.71051500接上表X1-074205.2960147.260.4618380.0392210.5381620.0181140.033658171285.159695.70.46076

21、20.0392210.5392380.0180710.033513269297.359262.360.4600810.0392210.5399190.0180450.033421367872.2458852.980.4596470.0392210.5403530.0180280.033363466810.5758470.270.459380.0392210.540620.0180170.033327565995.2258113.910.4592320.0392210.5407680.0180110.033307665352.6957781.350.4591760.0392210.5408240

22、.0180090.0333764833.6757468.520.459190.0392210.540810.018010.033301864404.7657171.060.4592610.0392210.5407390.0180130.033311964043.6356884.720.459380.0392210.540620.0180170.0333271063730.8456604.770.4595390.0392210.5404610.0180230.0333481163450.2256327.580.459730.0392210.540270.0180310.0333741263184

23、.1456048.790.4599410.0392210.5400590.0180390.0334021362912.6855765.930.4601570.0392210.5398430.0180480.0334311462618.7557847.990.4603610.0392210.5396390.0180560.0334591562288.3755267.710.4603710.0392210.5396290.0180560.033461661916.7754956.550.4605030.0392210.5394970.0180610.0334781761506.5854631.81

24、0.4605950.0392210.5394050.0180650.033491861065.7754292.080.460650.0392210.539350.0180670.0334981960608.2253935.520.4606790.0392210.5393210.0180680.0335022060147.2653561.020.4606970.0392210.5393030.0180690.0335042159695.753167.270.460720.0392210.539280.018070.0335072259262.3652752.660.4607620.0392210

25、.5392380.0180710.0335132358852.9852316.030.4608360.0392210.5391640.0180740.0335232458470.2751855.960.4609550.0392210.5390450.0180790.0335392558113.9151371.30.4611250.0392210.5388750.0180860.0335622657781.3550860.660.4613530.0392210.5386470.0180950.0335932757468.5250322.820.4616420.0392210.5383580.01

26、81060.0336322857171.0649756.20.4619950.0392210.5380050.018120.033682956884.7249159.710.4624160.0392210.5375840.0181360.0337373056604.7748531.990.4629050.0392210.5370950.0181550.0338033156327.5847871.460.4634670.0392210.5365330.0181770.033883256048.7947176.740.4641020.0392210.5358980.0182020.03396633

27、55765.9346446.70.4648160.0392210.5351840.018230.0340643457847.9945679.780.4705380.0392210.5294620.0184550.0348563555267.7144874.70.4668710.0392210.5331290.0183110.0343463654956.5544030.20.4678650.0392210.5321350.018350.0344843754631.8143145.140.4689610.0392210.5310390.0183930.0346363854292.0842218.3

28、40.4701670.0392210.5298330.018440.0348043953935.5241248.890.4714910.0392210.5285090.0184920.0349894053561.0240235.930.4729430.0392210.5270570.0185490.0351944153167.2748319.170.4745340.0392210.5254660.0186120.0354194252752.6638428.440.4743640.0392210.5256360.0186050.0353954352316.0337281.830.4761860.

29、0392210.5238140.0186760.0356554451855.9636090.590.4781810.0392210.5218190.0187550.0359414551371.334855.080.4803610.0392210.5196390.018840.0362564650860.6633576.250.4827420.0392210.5172580.0189330.0366044750322.8232255.520.4853390.0392210.5146610.0190350.0369864849756.230894.60.4881680.0392210.511832

30、0.0191460.0374074949159.7129496.120.4912470.0392210.5087530.0192670.0378715048531.99280630.4945920.0392210.5054080.0193980.0383815147871.4626599.050.4982220.0392210.5017780.0195410.0389435247176.7425108.810.5021540.0392210.4978460.0196950.039565346446.723597.50.5064080.0392210.4935920.0198620.040239

31、5445679.7822071.140.5110.0392210.4890.0200420.0409855544874.720536.670.5159480.0392210.4840520.0202360.0418055644030.219001.630.5212690.0392210.4787310.0204450.0427065743145.1417474.390.5269780.0392210.4730220.0206680.0436945842218.3415963.980.5330880.0392210.4669120.0209080.0447795941248.8914479.91

32、0.539610.0392210.460390.0211640.0459696040235.9313032.040.5465520.0392210.4534480.0214360.0472746148319.1711630.480.6012840.0392210.3987160.0235830.0591476238428.4410285.230.5665370.0392210.4334630.022220.0512626337281.839005.9470.575030.0392210.424970.0225530.053076436090.597801.6080.583960.0392210

33、.416040.0229030.0550516534855.086680.2470.5933160.0392210.4066840.023270.0572196633576.255648.5430.603080.0392210.396920.0236530.0595926732255.524711.6110.6132310.0392210.3867690.0240510.0621856830894.63872.6570.6237380.0392210.3762620.0244630.0650176929496.123132.8160.6345680.0392210.3654320.024888

34、0.06810670280632491.1570.6456790.0392210.3543210.0253240.0714727126599.051944.4890.6570260.0392210.3429740.0257690.0751347225108.811487.7030.6685610.0392210.3314390.0262210.0791147323597.51113.9110.680230.0392210.319770.0266790.0834327422071.14814.82370.6919790.0392210.3080210.027140.0881117520536.6

35、7581.22520.7037540.0392210.2962460.0276020.0931727619001.63403.42410.7154990.0392210.2845010.0280620.0986377717474.39271.8390.7271610.0392210.2728390.028520.104537815963.98177.28860.7386910.0392210.2613090.0289720.1108737914479.91111.45580.7500430.0392210.2499570.0294170.1176898013032.0467.163150.76

36、11740.0392210.2388260.0298540.1250028111630.4838.395980.7720490.0392210.2279510.030280.1328378210285.2320.419240.7826350.0392210.2173650.0306960.141216839005.9479.6291130.7929070.0392210.2070930.0310980.150166847801.6083.417580.8028430.0392210.1971570.0314880.159711856680.24700.8124270.0392210.18757

37、30.0318640.169875865648.54300.8211260.0392210.1788740.0322050.180044874711.61100.8298730.0392210.1701270.0325480.191317883872.65700.8382030.0392210.1617970.0328750.203186893132.81600.8461010.0392210.1538990.0331850.215627902491.15700.8535510.0392210.1464490.0334770.228591911944.48900.8605230.0392210.1394770.033750.241978921487.70300.8669780.0392210.1330220.0340040.255624931113.91100.8728530.0392210.1271470.0342340.26924794814.823700.8780410.0392210.1219590.0344370.28236995581.225200.8823680.0392210.1176320.0