【摘要】：保險業(yè)作為金融體系的一個重要分支，在社會發(fā)展中起著越來越重要的作用，而人壽保險作為保險業(yè)的一個重要組成部分與社會公眾利益密切相關(guān)，從而引起了人們越來越多的關(guān)注。 第一章是緒論，首先簡要介紹了夫妻婚姻聯(lián)合保險的背景和提出的必要；其次，對國內(nèi)外個人壽險和聯(lián)合壽險模型的研究成果進行綜述；最后，介紹了本文的內(nèi)容安排。 第二章是人壽保險的概述。首先介紹了人壽保險的概念并給出了人壽保險的特點。其次，介紹了人壽保險的險種；最后介紹了聯(lián)合壽險并說明了聯(lián)合壽險在保險業(yè)發(fā)展中的優(yōu)勢。 第三章是壽險精算數(shù)學(xué)的基本理論。首先介紹了一元壽險的相關(guān)精算理論；其次介紹了二元壽險精算的相關(guān)理論；最后給出了基本的利息理論簡要介紹，其中主要介紹了四大死亡力假設(shè)：De Moivre、Gompertz、Makeham、Weibull。 第四章針對個體壽險分別在死亡力的四大假設(shè)下對固定利率模型和隨機利率模型中各種躉繳純保費給出了相應(yīng)的結(jié)論。 第五章針對個體壽險分別在死亡力的四大假設(shè)下對固定利率模型和隨機利率模型中各種躉繳純保費給出了相應(yīng)的結(jié)論。 第六章建立夫妻婚姻聯(lián)合壽險，，并依據(jù)該模型計算出相應(yīng)的躉繳純保費。
[Abstract]:As an important branch of the financial system, the insurance industry plays a more and more important role in the social development, and life insurance, as an important component of the insurance industry, is closely related to the public interest of the society. As a result, more and more people pay attention to it. The first chapter is the introduction, firstly, it briefly introduces the background and necessity of marriage insurance; secondly, it summarizes the research results of individual life insurance and United life insurance model at home and abroad; finally, it introduces the content arrangement of this paper. The second chapter is an overview of life insurance. Firstly, the concept of life insurance is introduced and the characteristics of life insurance are given. Secondly, it introduces the insurance types of life insurance, and finally introduces the advantages of United life insurance in the development of insurance industry. The third chapter is the basic theory of actuarial mathematics of life insurance. This paper first introduces the related actuarial theory of univariate life insurance, secondly introduces the related theory of binary life insurance actuarial science, and finally gives a brief introduction of the basic interest theory, in which it mainly introduces the four major death force hypotheses: De Moivre,Gompertz,Makeham,Weibull.. In the fourth chapter, according to the four hypotheses of individual life insurance's death power, the corresponding conclusions are given to the fixed interest rate model and the random interest rate model for various kinds of net premium in the fixed interest rate model and the random interest rate model. In the fifth chapter, according to the four hypotheses of individual life insurance's death power, the corresponding conclusions are given to the fixed interest rate model and random interest rate model for the pure premium of various kinds of barges in the fixed interest rate model and the random interest rate model. The sixth chapter establishes the married marriage union life insurance, and calculates the corresponding net premium according to the model.
【學(xué)位授予單位】：南京財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F840.62;F224

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