保險精算實(shí)驗(yàn)指導(dǎo)書(修改)

PAGEPAGE15實(shí)驗(yàn)教學(xué)指導(dǎo)書修訂計劃匯總表填報學(xué)院：金融學(xué)院（公章） 填報日期：2010年12月12日序號序號課程／實(shí)驗(yàn)項(xiàng)目名稱課程／實(shí)驗(yàn)要求修訂人修訂類型1保險精算實(shí)驗(yàn)必修徐臨新編寫……《保險精算實(shí)驗(yàn)》實(shí)驗(yàn)教學(xué)指導(dǎo)書課程編號：撰寫人：徐臨河北經(jīng)貿(mào)大學(xué)金融學(xué)院20101212日前 言一、實(shí)驗(yàn)總體目標(biāo)excelexcel工具對基本的保險精excel步將所學(xué)知識與實(shí)踐相結(jié)合，提高學(xué)生的實(shí)際動手能力。二、適用專業(yè)年級保險學(xué)、金融工程，三、四年級三、先修課程保險學(xué)、概率論與數(shù)理統(tǒng)計四、實(shí)驗(yàn)項(xiàng)目及課時分配實(shí)驗(yàn)項(xiàng)目實(shí)驗(yàn)要求實(shí)驗(yàn)類型每組人數(shù)實(shí)驗(yàn)學(xué)時實(shí)驗(yàn)一確定年金必修驗(yàn)證性22實(shí)驗(yàn)二生存分布與生命表必修演示性22實(shí)驗(yàn)三基本死亡保險的躉繳純保費(fèi)必修驗(yàn)證性21實(shí)驗(yàn)四生存與兩全保險的躉繳純保費(fèi)必修綜合性21實(shí)驗(yàn)五遞增型與遞減型人壽保險的躉繳純保費(fèi)必修綜合性21實(shí)驗(yàn)六傳統(tǒng)壽險的毛保費(fèi)必修設(shè)計性21實(shí)驗(yàn)七責(zé)任準(zhǔn)備金的計算必修設(shè)計性21實(shí)驗(yàn)八典型保險產(chǎn)品的凈保費(fèi)和毛保費(fèi)必修驗(yàn)證性21五、實(shí)驗(yàn)環(huán)境安裝EXCEL2003以上版本，安裝分析工具庫六、實(shí)驗(yàn)總體要求EXCEL函數(shù)在保險精算中的應(yīng)用，能夠運(yùn)用EXCEL解決大部分保險精算建模問題，初步具備運(yùn)用EXCEL七、本課程實(shí)驗(yàn)的重點(diǎn)、難點(diǎn)及教學(xué)方法建議算理論與Excel教學(xué)同步進(jìn)行，或者作為其后繼課程開設(shè)。本實(shí)驗(yàn)課程主要運(yùn)用ExcelExcel實(shí)驗(yàn)一：確定年金一、實(shí)驗(yàn)?zāi)康恼莆誆XCEL利用EXCEL二、實(shí)驗(yàn)內(nèi)容利用EXCEL計算利息的各種度量值利用EXCEL計算貼現(xiàn)的各種度量值利用EXCE率。三、實(shí)驗(yàn)儀器設(shè)備和材料清單EXCEL2003以上版本，安裝分析工具庫。四、實(shí)驗(yàn)要求正確輸入公式求出單利復(fù)利的積累值，繪出圖形對積累函數(shù)進(jìn)行比較。正確輸入公式求出積累值和貼現(xiàn)值，并對積累函數(shù)和貼現(xiàn)函數(shù)進(jìn)行比較。五、實(shí)驗(yàn)過程單利與復(fù)利積累函數(shù)的比較給定利率求累計函數(shù)和貼現(xiàn)函數(shù)，繪圖并對二者進(jìn)行比較累積函數(shù)與貼現(xiàn)函數(shù)2.7002.2001.7001.2000.7000.200

系列1系列2系列3系列4系列1系列2系列3系列40 5 10 15 20時間計算各種類型年金現(xiàn)值與終值。計算各種類型年金現(xiàn)值與終值，或在已知年金現(xiàn)值或終值的情形下求利率。六、實(shí)驗(yàn)報告要求詳細(xì)寫出實(shí)驗(yàn)步驟繪出圖形對單利復(fù)利積累函數(shù)進(jìn)行比較。繪出圖形對積累函數(shù)和貼現(xiàn)函數(shù)進(jìn)行比較。七、思考題1、基本年金的公式主要有哪些？2、不同的時期選擇，單利復(fù)利哪個會產(chǎn)生較大的積累值？八、注意事項(xiàng)實(shí)驗(yàn)二： 生存分布與生命表一、實(shí)驗(yàn)?zāi)康耐ㄟ^本次實(shí)驗(yàn)使學(xué)生學(xué)會如何運(yùn)用Excel利用生命表基礎(chǔ)函數(shù)計算各種死亡二、實(shí)驗(yàn)內(nèi)容1999年頒布的《人壽保險精算規(guī)定》中規(guī)定，保險公司在厘定保險費(fèi)時，預(yù)定死亡率(1990—1993)CL1(1990—l993)(1990—l993)(1990—1993)(1990—l993)(1990—l993)保險女表，CL6(1990—l993)適應(yīng)年金保險混合表。200512222000-200CL(2000-2003表兩張，分別是：非養(yǎng)老金業(yè)務(wù)男表，簡稱CL1(2000-2003)；非養(yǎng)老金業(yè)務(wù)女表，簡稱CL2(2000-2003)；養(yǎng)老金業(yè)務(wù)男表，簡稱CL3(2000-2003)；養(yǎng)老金業(yè)務(wù)女表，簡稱CL4(2000-2003)。實(shí)驗(yàn)內(nèi)容一：中國人壽保險業(yè)經(jīng)驗(yàn)生命表1991993（男女混合）的輸入；利用中國人壽保險業(yè)經(jīng)驗(yàn)生命表1991993（男女混合）計算整數(shù)年齡各種死亡、生存概（199199（男女混合生存概率。實(shí)驗(yàn)內(nèi)容二：中國第二張壽險業(yè)生命表《中國人壽保險業(yè)經(jīng)驗(yàn)生命表2000-200入。三、實(shí)驗(yàn)儀器設(shè)備和材料清單EXCEL2003以上版本，安裝分析工具庫。四、實(shí)驗(yàn)要求利用生命表基礎(chǔ)函數(shù)計算各種死亡、生存概率。五、實(shí)驗(yàn)過程在Excel輸入中國人壽保險業(yè)經(jīng)驗(yàn)生命表199——199（男女混合。利用生命表基礎(chǔ)函數(shù)計算各整數(shù)年齡存活人的各生存概率、死亡概率q 、n xp、n x

p x5qx 5

lx5，lllx0歲人在未來5年內(nèi)死亡的概率5q0在Excel中F2C2-C/C后按回車鍵得到其結(jié)果；拖動整F整列得到所有整數(shù)年齡存活人在未來5概率，其結(jié)果如下圖F列所示：在死亡均勻分布假設(shè)、死力常數(shù)假設(shè)及巴爾杜奇假設(shè)下利用生命表函數(shù)計算各t x 年齡內(nèi)的生存概率、死亡概率q、p 、q t x t x xt0.5qx+0.2歲人在未來0.5

0.5

qx0.2

x10.2qx

。0.2歲人在未來0.5 年內(nèi)死亡的概

q 在Excel 中F2 單元格輸入0.5 0.2“=0.5*B2/(1-0.2*B2F整列得到所有x+0.2歲存活人在未來0.5年內(nèi)死亡的概率，其結(jié)果如下圖F列所示：全體同學(xué)分成五組分別在Excel驗(yàn)生命表2000-200（1）中國人壽保險業(yè)經(jīng)驗(yàn)生命表（2000—2003）非養(yǎng)老金業(yè)務(wù)表養(yǎng)老金業(yè)務(wù)表年齡X男(CL1)qx 女(CL2)男(CL3)女(CL4)0.0000000.0007220.0006610.0006270.0005751.0000000.0006030.0005360.0005250.0004662.0000000.0004990.0004240.0004340.0003693.0000000.0004160.0003330.0003620.0002904.0000000.0003580.0002670.0003110.0002325.0000000.0003230.0002240.0002810.0001956.0000000.0003090.0002010.0002690.0001757.0000000.0003080.0001890.0002680.0001648.0000000.0003110.0001810.0002700.0001589.0000000.0003120.0001750.0002710.00015210.0000000.0003120.0001690.0002720.00014711.0000000.0003120.0001650.0002710.00014312.0000000.0003130.0001650.0002720.00014313.0000000.0003200.0001690.0002780.00014714.0000000.0003360.0001790.0002920.00015615.0000000.0003640.0001920.0003160.00016716.0000000.0004040.0002080.0003510.00018117.0000000.0004550.0002260.0003960.00019618.0000000.0005130.0002450.0004460.00021319.0000000.0005720.0002640.0004970.00023020.0000000.0006210.0002830.0005400.00024621.0000000.0006610.0003000.0005750.00026122.0000000.0006920.0003150.0006010.00027423.0000000.0007160.0003280.0006230.00028524.0000000.0007380.0003380.0006430.00029325.0000000.0007590.0003470.0006600.00030126.0000000.0007790.0003550.0006760.00030827.0000000.0007950.0003620.0006930.00031628.0000000.0008150.0003720.0007120.00032529.0000000.0008420.0003860.0007340.00033730.0000000.0008810.0004060.0007590.00035131.0000000.0009320.0004320.0007880.00036632.0000000.0009940.0004650.0008200.00038433.0000000.0010550.0004960.0008550.00040234.0000000.0011210.0005280.0008930.00042135.0000000.0011940.0005630.0009360.00044136.0000000.0012750.0006010.0009850.00046437.0000000.0013670.0006460.0010430.00049338.0000000.0014720.0006990.0011110.00052839.0000000.0015890.0007610.0011890.00056940.0000000.0017150.0008280.0012750.00061541.0000000.0018450.0008970.0013660.00066442.0000000.0019780.0009660.0014610.00071443.0000000.0021130.0010330.0015600.00076344.0000000.0022550.0011030.0016650.00081545.0000000.0024130.0011810.0017830.00087346.0000000.0025950.0012740.0019180.00094247.0000000.0028050.0013890.0020550.00101448.0000000.0030420.0015270.0022380.00112349.0000000.0032990.0016900.0024460.00125150.0000000.0035700.0018730.0026660.00139351.0000000.0038470.0020740.0028800.00154852.0000000.0041320.0022950.0030850.00171453.0000000.0044340.0025460.0033000.00189354.0000000.0047780.0028360.0035450.00209355.0000000.0052030.0031780.0038380.00231856.0000000.0057440.0035770.0042070.00260757.0000000.0064270.0040360.0046760.00297958.0000000.0072600.0045560.0052750.00341059.0000000.0082290.0051330.0060390.00381660.0000000.0093130.0057680.0069890.00427261.0000000.0104900.0064650.0078670.00478162.0000000.0117470.0072350.0087250.00535163.0000000.0130910.0080940.0096770.00598864.0000000.0145420.0090590.0107310.00670165.0000000.0161340.0101480.0119000.00749966.0000000.0179050.0113760.0132290.00840867.0000000.0198860.0127600.0147050.00943868.0000000.0221030.0143160.0163440.01059269.0000000.0245710.0160660.0181640.01188670.0000000.0273090.0180330.0201840.01333771.0000000.0303400.0202410.0224250.01496472.0000000.0336840.0227150.0249110.01678773.0000000.0373710.0254790.0276680.01882974.0000000.0414300.0285610.0306470.02111775.0000000.0459020.0319890.0339390.02370276.0000000.0508290.0357960.0375770.02649177.0000000.0562620.0400260.0415940.02960278.0000000.0622570.0447260.0460280.03307079.0000000.0688710.0499540.0509200.03693580.0000000.0761870.0557740.0563120.04124181.0000000.0842240.0622530.0622530.04603382.0000000.0930710.0694940.0687910.05136583.0000000.1028000.0775110.0759830.05729184.0000000.1134890.0864150.0838830.06387285.0000000.1252210.0962940.0925540.07117486.0000000.1380800.1072430.1020590.07926787.0000000.1521570.1193640.1124640.08822588.0000000.1675430.1327630.1238360.09812989.0000000.1843330.1475530.1362460.10906190.0000000.2026210.1638500.1497630.12110791.0000000.2225000.1817750.1644560.13435592.0000000.2440590.2014470.1803920.14889693.0000000.2673830.2229870.1976310.16481694.0000000.2925440.2465070.2162280.18220195.0000000.3196040.2721150.2362290.20112996.0000000.3486060.2999030.2576660.22166797.0000000.3795720.3299420.2805530.24387098.0000000.4124950.3622810.3048870.26777399.0000000.4473340.3969330.3306380.293385100.0000000.4840100.4338690.3577460.320685101.0000000.5223970.4730080.3861190.349615102.0000000.5623170.5142110.4156260.380069103.0000000.6035390.5572690.4460940.411894104.0000000.6457700.6018960.4773080.444879105.0000001.0000001.0000001.0000001.000000年齡xDxNxSxCxM0100000034417466.98949358027.3713.1407688年齡xDxNxSxCxM0100000034417466.98949358027.3713.14076881625441974905.365933417466.98914940560.3580.65455891618302950553.656532442561.61881523093.3468.50609991612503926906.663631492007.96849080531.7380.86178831607814903922.995630565101.29817588523.7319.63367551604005881560.381629661178.3787023422.4281.25007951600816859781.109928779617.92757362244.1262.41245591598007838551.646327919836.81728582626.2255.10478211595378817847.192627081285.16700662789.4251.2294941592829797651.553326263437.97673581504.2245.813582715903110777953.8425465786.42647318066.3239.743306215878511758742.554624687832.58621852279.9233.822932915854512740005.684823929090.02597164447.3228.77968671583113721730.793223189084.34573235357.3228.11995691580814703902.282222467353.54550046272.9233.609079415785415686503.191321763451.26527578919.4246.820945415762116669515.418721076948.07505815468.1267.165278515737417652921.887320407432.65484738520293.434173915710718636707.129619754510.76464331087.4322.622866315681319620859.023219117803.63444576576.6350.773756215649120605369.650618496944.61425458773371.321684415614021590237.771717891574.96406961828.4385.35990415576922575461.097117301337.19389070253.4393.332770515538323561036.954216725876.09371768916.2396.77340815499024546961.2212161648391398.704342415459325533226.891615617877.92338878201399.75314271541951626519826.509626519826.509615084651.02323260323.1399.976014315379527506752.746114564824.51308175672.1397.92507515339528493999.880714058071.77293610847.6397.669716815299729481558.312913564071.89279552775.8400.496793315259930469417.405713082513.58265988703.9408.48222651521931457564.7307126130963421.217611515179032445988.566212155531.44240293094.2437.8730115136933434678.296211709542.87228137562.7452.958572115093134423628.985911274864.58216428019.8469.061024815047835412833.266210851235.59205153155.3486.874556815000936402283.261710438402.32194301919.7506.61753191495237391971.073710036119.06183863517.4529.249675514901638381888.0489644147.989173827398.3555.241531914848639372025.27699262259.941164183250.3583.894538614793140362374.75988890234.664154920990.4613.846992114734741352930.03618527859.904146030755.7643.165970914673342343686.71248174929.868137502895.8671.470745814609043334640.87817831243.156129327965.9698.41982021454144325789.05567496602.278121496722.8725.639815514472045317126.24517170813.222114000120.5755.836002414399546308644.89716853686.977106829307.3791.105730714323947300335.57426545042.0899975620.29832.104191314244848292188.42246244706.50693430578.21877.930790114161649284194.71725952518.08387185871.71926.054152814073850276348.44775668323.36681233353.62974.458420513981251268645.74025391974.91875565030.261020.7989441388375226108517870173055.341065.56640713781653253664.71024862244.04665049726.161110.94819713675154246380.44974608579.33660187482.111162.76099913564055239222.67755239222.6774362198.88655578902.781229.40291713447756232173.65994122976.20951216703.891317.24162513324857225209.80913890802.54947093727.681429.6629741319358218304.76653665592.7443202925.131565.4453341305059211434.02343447287.97439537332.391718.54141912893560204579.64173235853.9536090044.421881.87201512721761197731.11373031274.30932854190.472048.7481191253362190884.79442833543.19529822916.162214.80946412328663184041.43492642658.40126989372.962379.72350812107164177202.09612458616.96624346714.562545.2536111186965170366.07142281414.8721888097.62714.958708116146616352979819606682.732892.0619311134367156684.06511947519.64217495633.933077.5869591105368149822.67881790835.57715548114.293270.89685310746269142937.70551641012.89813757278.713469.02720410419170136024.95921498075.19212116265.813669.1246741007227112908323310618190.623868.32799705372122113.94221232967.0599256140.3884062.8143499318473115122.59131110853.1178023173.3284249.45606389122.74108117.4097995730.52566912320.2124424.34141584872.75101110.3468887613.11585916589.6864584.21814580448.7694116.27283786502.7695028976.5747257787153.59687692386.49624242473.8014843.268534711397880244.05971605232.89933550087.3054934.45450466295.7973412.98077524988.83962944854.4064993.98592861361.8066689.71256451575.85892419865.5665018.54457256367.8160106.16923848867075000.26452551348.8253701.25581324779.97711583403.5614936.7017446348.8347515.34266271078.72131258623.5844824.64149341411848441590.99067223563.3786987544.86234662.202164365878535971.5812181972.388763981.48374449.12659731924.8630699.69154146000.8068582009.09574186.99900427475.8725815.29574115301.1152436008.28893879.7800823288.8821353.4807789485.8195320707.17373533.72731119409.8917342.2971168132.33873231221.35423157.53214715875.9013800.526350790.04162163089.01542761.965127179110735.8535236989.51532112298.97382359.416769955.928143.53767226253.661875309.458511963.1161897596.4936005.8868418110.1241349055.796711586.1673435633.2944292.69736512104.2372930945.672581240.393654047.1952962.8239097811.53992118841.4353935.31115512806.7961966.7254024848.71601111029.89538677.19953621871.4971249.8664652881.990616181.179367468.59305871194.298756.53868381632.1241453299.188757308.2392189725.6399433.6295214875.58546131667.064612191.5970495417.39100233.8071152441.9559399791.4791505111.7764019225.79101117.6996423208.1488247349.523210660.73148276114.0210254.8426363690.44918241141.374385830.4605404353.29010323.4182337735.6065460550.9252034413.9603897522.8291049.05796719712.1883122915.318657385.7775894278.86951053.1303450933.1303450933.1303450933.0919344963.091919PAGEPAGE48（3）中國人壽保險業(yè)經(jīng)驗(yàn)生命表（2000—2003）換算表（CL2）2.5%年齡xDxNxSxCxMxRx0100000035146646998773213652.8893144538.3109203201974964.934146646963626567516.1689143885.4107757822950675.433171681929479922398.1403143369.210631896392709532221005896308241304.9345142971.1104885274904181.731293910864087236238.4542142666.2103455565881892.930389729832793326195.1201142427.7102028906860190.629507836802403597170.7768142232.6100604627839041.728647645772895761156.6331142061.899182308818422.627808603744248116146.3168141905.297761689798316.526990181716439513137.9911141758.9963426310778709.126191864689449332129.987141620.9949250411759587.825413155663257468123.7941141490.993508831274093924653567637844312120.7548141367.192093921372274823912628613190745120.6457141246.3906802514705000.923189880589278116124.6467141125.7892677915687682.622484880566088236130.414914100187856531667078121797197543603356137.8105140870.6864465217654284.421126416521806159146.0539140732.885037811863818220472132500679743154.4361140586.883630491962246419833950480207612162.3141140432.3822246220607121.719211486460373662169.7072140270808202921592146.218604364441162177175.4641140100.3794175922577530.318012218422557813179.6898139924.8780165923563266.717434687404545595182.4845139745.1766173424549348.216871421387110907183.4013139562.7752198925535768.316322073370239487183.6304139379.3738242726522519.415786304353917414183.2183139195.6724304727509594.115263785338131110182.2095139012.471038522849698514754191322867325182.6099138830.269648392948468314257206308113134184.792138647.668260093047267913772523293855929189.5529138462.866873613146096313299844280083406196.6925138273.2654889932449525.712838881266783562206.4646138076.5641062533438357.812389355253944682214.7575137870.162725493442745411950997241555327222.9263137655.3613467935416808.111523543229604330231.7835137432.4599702336406413.111106735218080787241.2572137200.6585959137396262.310700322206974052252.8444136959.4572239038386347.610304060196273730266.7433136706.55585431393766619917712185969670283.1219136439.8544872540367194.59541051176051958300.3064136156.7531228541357941.99173857166510907317.1342135856.3517612842348898.48815915157337050332.9003135539.2504027243340059.98467016148521135346.9715135206.34904733443314238126956140054119361.074134859.3476952645322982.97795533131927163376.7623134498.3463466746314733.17472550124131629396.0499134121.5450016947306665.57157817116659079420.7317133725.5436604748298770.36851152109501261450.6242133304.7423232249291038.16552382102650110485.8192132854.1409901750283459.8626134496097728524.4055132368.3396616351276028.1597788489836384565.4578131843.9383379552268737.2570185683858501609.1841131278.4370195153261580.9543311878156645657.8132130669.2357067254254551.2517153772723527713.0491130011.4344000355247638.3491698667551989777.3378129298.4330999256240830.6466934862635003850.8806128521318069357234116.2442851757965655933.2988127670.1305217258227484.24194401535371381023.701126736.9292450259220924.73966917493427371120.092125713.1279776560214429.93745992453758201221.655124593.1267205261207993.33531562416298271328.177123371.4254745962201608.43323569380982651440.738122043.22424088631952683121961347746961561.106120602.5230204464188963.42926693316527351690.815119041.4218144265182684.52737729287260421831.135117350.6206240166176420.12555045259883131982.329115519.4194505067170159.22378625234332682144.589113537.1182953168163890.72208465210546442317.47111392.5171599369157604.32044575188461782501.0021090751604601701512901886970168016042694.736106574149552671144938.31735680149146332897.699103879.3138895272138541.11590742131789533108.347100981.6128507373132091.91452201115882113324.27197873.26118409174125586.61320109101360103542.86794548.99108621875119024.111945238815900.53760.74491006.12991668.776112406.5107549876213783974.33187245.38900662.677105739.3963091.96545879.64180.3983271.05813417.27899031.22857352.55582787.84374.92179090.66730146.27992294.59758321.34725435.24553.91174715.74651055.58085545.46666026.73967113.94712.66870161.82576339.88178804.15580481.33301087.24845.59965449.165061788272095.95501677.12720605.94948.75960603.56440728.88365449.48429581.22218928.85010.80655654.8380125.28458903.83364131.71789347.65027.71650643.99324470.48552501.13305227.91425215.94993.5145616.28273826.58646288.38252726.71119988.14903.19340622.77228210.28740316.36206438.4867261.374753.27335719.57187587.48834638.09166122660823.024542.22930966.3151867.88929306.76131483.9494701.034271.2426424.07120901.59024373.13102177.1363217.133944.53622152.8394477.469119882.5377804.01261039.993569.818208.372324.639215871.5957921.47183235.983158.05314638.554116.339312365.1842049.88125314.512723.44211480.4439477.84949373.56729684.783264.6292282.2978757.00127997.39956890.65120311.1353579.931852.0426474.70419240.39964893.26913420.4833268.7981449.4994622.66312765.69973342.2088527.21219848.3161089.2043173.1638143.025982184.8525185.00411321.104781.81792083.9594969.862991359.3383000.1526136.0996532.94551302.1412885.903100799.77751640.8143135.9473342.7409769.1961583.761101441.7355841.03671495.1331206.3806426.4552814.5651102227.1132399.3012654.09641115.3511220.0746388.1099103107.6382172.188254.795259.24739104.7234168.035310446.4924464.5498382.60721727.6402445.4760663.3118810518.0573918.0573918.0573917.8358217.8358217.83582（4）中國人壽保險業(yè)經(jīng)驗(yàn)生命表（2000—2003）換算表（CL3）2.5%年齡xDxNxSxCxMxRx0100000034884421983678571619.3065151013.511027573197499833884421948794151505.5931150394.2108765602950718.232909423914909730407.5488149888.6107261663927127.431958704882000307331.5019149481105762774904187.131031577850041603277.7517149149.5104267965881859.430127390819010026244.7619148871.8102776466860108.929245530788882636228.5303148627101287757838904.928385422759637106222.0678148398.599801488818224.527546517731251684218.2098148176.498317499798052.326728292703705168213.6184147958.2968357310778376.625930240676976875209.1206147744.6953561511759185.225151863651046636203.2147147535.5938787012740467.824392678625894772198.9359147332.2924033513722211.123652210601502094198.3111147133.3909300214704400.322929999577849884203.1611146935894586915687019.222225599554919885214.4342146731.8879893416670050.821538580532694286232.302146517.4865220217653478.620868529511155706255.6022146285.1850568518637287.720215050490287177280.7427146029.5835940019621466.819577763470072127305.079145748.8821337020606007.718956296450494364323.2287145443.7806762121590907.818350288431538068335.6028145120.4792217822576163.917759380413187780342.0256144784.8777705723561773.317183217395428400345.6903144442.8763227224547730.116621443378245183347.8689144097.1748783025534027.216073713361623740348.1331143749.3734373326520658.315539686345550027347.6462143401.1719998327507615.915019028330010340347.4614143053.5705658228494891.814511412314991313348.0393142706691352929482477.514016520300479901349.7931142358677082330470364.313534042286463381352.6259142008.2662846531458543.713063678272929338356.8987141655.6648645732447007.212605135259865660362.0482141298.763448013343574712158127247260526367.9921140936.6620350234424755.511722380235102398374.6524140568.6606256635414025.611297625223380018382.7728140194592199736403549.310883599212082393392.6186139811.2578180337393318.810480050201198794405.1978139418.6564199238383325.510086731190718744420.6489139013.4550257339373560.69703406180632012438.7135138592.75363560403640169329845170928607458.4255138154522496741354684.88965829161598761478.5544137695.6508681342345561.28611144152632932498.6701137217494911843336640.48265583144021788518.7151136718.4481190144327917.37928943135756205539.2828136199.7467518245319386.67601026127827262562.4788135660.4453898346311041.17281639120226236589.2567135097.9440332247302872.76970598112944598614.7663134508.6426822448294878.46667725105974000651.8401133893.9413371649287042.4637284799306275693.4905133242399982250279356.4608580492933428735.6255132548.5386658051271816.2580644886847624773.225131812.9373403152264422.8553463281041176805.7348131039.7360221853257177.6527020975506544838.2724130233.9347117954250077501303170236335875.645129395.7334094555243112.7476295465223304921.6173128520321154956236272.8451984260460350981.8028127598.4308302957229540.34283569559405081060.16126616.6295543158222894.64054029516569391161.342125556.52828814592163113831134476029101290.273124395.1270325860209760.73614823437717761448.029123104.8257886261203214.33405062401569531579.071121656.8245575862196698.23201848367518911695.133120077.7233410163190226.33005150335500431818.233118382.6221402364183790.72814923305448931948.058116564.4209564065177383.92631133277299702084.967114616.3197907666170998.12453749250988372234.376112531.3186446067164620.42282751226450882391.04110297175192868158243.62118130203623372554.598107905.9164163169151860.71959887182442072724.552105351.3153372570145465.71808026162843202900.053102626.8142837471139053.31662560144762943080.00899726.73132574772132619.51523507128137343263.14896646.72122602173126161.81390887112902273447.81393383.57112937474119679.212647269899339.63622.80289935.76103599075113181.8114504686346143794.14486312.96946054.676106673.710318657489567.53959.29282518.81859741.777100161.29251916457702.84114.98578559.52777222.87893653.75825029.85532511.94257.80174444.54698663.37987163.957313764707482.14383.92870186.73624218.88080707.87644212.13976106.14489.05565802.815540328174305.41563504.23331894.14568.97561313.75488229.28267980.17489198.82768389.94619.04256744.78426915.58361759.76421218.62279191.14635.1152125.73370170.78455675.18359458.81857972.54612.89647490.623180458549760.96303783.71498513.74549.06342877.73270554.48644054.03254022.711947304440.94138328.66227676.68738593.09209968.7940707.334287.07633887.721893488833417.33171375.6730738.664087.4929600.65155460.28928564.94137958.2559363.093844.10425513.16125859.69024071.3109393.3421404.843560.75521669.05100346.49119967.1385322.01312011.533243.42118108.378677.389216276.565354.89226689.522900.12314864.8860569.089313014.9849078.39161334.632540.60111964.7545704.29410188.1136063.41112256.242175.9249424.15333739.45957790.39625875.376192.8351817.7367248.2324315.3965804.95518084.950317.5351477.3865430.49417067.07974204.11212279.9532232.6321165.0043953.10811636.57982950.8648075.83619952.683888.64082788.1047683.465992001.1555124.97211876.847653.53921899.4634895.3611001306.8273123.8176751.8751461.77551245.9242995.898101818.84361816.993628.0585312.2915784.14861749.974102490.4122998.14631811.0685201.327471.857965.825103279.5943507.7341812.9222123.1949270.53493.968104151.0917228.1399305.1880571.23235147.3351223.437910577.048277.048277.04819776.1027876.1027876.10278（5）中國人壽保險業(yè)經(jīng)驗(yàn)生命表（2000—2003）換算表（CL4）2.5%年齡xDxNxSxCxMxRx01000000355330161028912062567.9445134997.5105672651975048.834533016993379045.3448.7974134429.6104322672950823.833557967958846029346.5489133980.8102978383927290.732607144925288061.5265.6146133634.3101638574904411.531679853892680917.9207.2488133368.610030223588214830775441861001064.9169.9081133161.498968546860464.329893294830225623.4148.7336132991.597636937839330.529032829800332329.9135.9612132842.796307018818724.728193499771299500.7127.7712132706.894978589798629.627374774743106002.1119.9022132579936515110779032.426576144715731228.1113.1126132459.1923257211759919.925797112689155083.8107.3351132346910011312741279.325037192663357971.9104.7022132238.7896776713723095.924295913638320779.9104.9908132134883552914705355.723572817614024867.2108.6853132029870339515688044.522867461590452050.3113.4935131920.3857136616671150.922179417567584589.2119.9877131806.8843944517654662.821508266545405172.5126.7394131686.8830763918638570.220853603523896906.7134.3465131560.1817595219622862.720215033503043303.7141.5006131425.7804439220607531.119592170482828270.9147.6188131284.2791296621592567.518984639463236100.8152.7624131136.6778168222577963.718392072444251461.8156.4189130983.8765054523563712.517814108425859390.2158.6867130827.4751956124549806.717250395408045282.4159.1167130668.7738873425536239.616700589390794887.1159.4276130509.6725806526523003.116164349374094298.6159.1084130350.2712755627510089.815641346357929949.7159.2105130191.1699720628497491.315131256342288603.9159.7008130031.9686701429485199.714633765327157348161.5059129872.267369833047320614148565312523583.4164.0573129710.7660711031461502.413675359298375018.4166.8373129546.6647740032450081.413213857284699659.5170.7106129379.8634785333438935.212763775271485803174.2868129209.1621847334428057.312324840258722027.8178.0009129034.8608926435417441.111896783246397187.8181.8326128856.859602303640708011479342234500405.2186.5674128674.9583137337396966.911072262223021063.6193.3033128488.4570269838387093.910675295211948802201.8777128295.15574209393774534212.1355128093.2544591440368037.59910748190985306.6223.5657127881.1531782141358840.19542710181074558.9235.3462127657.5518994042349855.49183870171531848.7246.7317127422.1506228343341078.78834015162347978.7257.0497127175.4493486144332505.88492936153513964267.667126918.4480768545324131.58160430145021028.1279.4947126650.7468076746315949.87836299136860597.9293.9727126371.2455411647307953.37520349129024299.3308.4331126077.2442774548300137.67212395121503950.5332.9188125768.8430166849292488.46912258114291555361.4132125435.9417589950284997.56619769107379297.2392.1302125074.5405046351277659.16334772100759527.7424.5422124682.3392538952270467.6605711394424755.77457.8931124257.8380070653263418.5578664588367642.9492.5326123799.9367644854256507.2552322782580997.59530.2819123307.4355264955249727.1526672077057770.78571.7646122777.1342934156243071.5501699271791051.15625.9117122205.3330656457236524.7477392166774058.66695.9612121579.4318435958230068.4453739662000137.63774.9066120883.4306277959223691.5430732857462741.28843.1328120108.5294189660217402.9408363653155413.29917.3489119265.4282178761211194.3386623449071776.83997.3301118348.1270252262205058.1365503945205543.221083.802117350.7258417463198986.2344998141550503.881176.909116266.9246682364192970.4325099538100522.611277.228115090235055665187002.2305802534849527.511385.123113812.8223546666181073.1287102331791502.781503.781112427.7212165467175171.3268994928920480.271632.981110923.9200922668169285.9251477826230530.841771.075109290.9189830269163407.6234549223715752.721918.431107519.8178901170157527.2218208521370260.522075.161105601.4168149171151635.4202455719188175.952241.229103526.2157589072145723.2187292217163618.582416.239101285147236473139782.4172719915290696.592599.66898868.77137107974133805.3158741613563497.812790.89696269.1127221075127785.1145361111976081.442991.59993478.2117594176121713.5132582610522470.383184.74990486.6108246377115599.212041129196644.4393379.97987301.8599197678109441.210885137992532.0083574.81283921.87904674.1791032419790726904018.7973766.41680347.06820752.28097002.78758315924946.8083951.40176580.65740405.28190733.87778828.35049115.7964125.50272629.25663824.58284445.97688094.44270287.4874284.34368503.74591195.38378154.54603648.53582193.0474422.6164219.4522691.58471879.99525493.92978544.5734534.78459796.79458472.18565647.674536142453050.6364615.07555262.013