毕业论文——对人寿保险与银行储蓄收益的探讨.docx

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1、对人寿保险与银行储蓄收益的探讨摘要：人寿保险在中国的发展已经趋于完善，同时老百姓的自我保障意识也在不断地增强。不仅^^艮多多元化的综合险种已经陆续出现在保险市场上，而且老百姓在选择投资理财方面也不再单一。本文主要是以一个个案为例，对人寿保险与银行储蓄二者的实际收益进行投资抉择的数学计算探讨。首先笔者为个案选择了一份在实际生活中符合其标准的人寿保险保单。进而，通过具体分析保单的内容、要求和保险利益，我们进行保单的简化彳艮设，推导出保单价值的计算公式，用Excel软件计算出每年度末保单的实际收益，即保单价值和身故保障价值。再分别乘以相应的生存率、死亡率求和得到“有效”保单价值。与此同时笔者利用精

2、算知识分别计算精算积累值、精算现值，考虑到保单及储蓄的交付方式都是相同的，那么得到其现值是相等的结论。按单利、复利储蓄方式进行计算，得出积累值、现值。并用前面计算出的“有效”保单价值的结果与储蓄的收益数据进行比对，加以验证结论。这里，一方面从数值上对收益进行了实际分析，另一方面对收益实际效用进行充分考虑，得到分析结论。关键词：人寿保险银行储蓄收益期初付年金精算积累值精算现值死亡即付终身保险DiscussionbetweenLifeInsuranceandBankDepositBenefitABSTRACTThelifeinsurance,whichdevelopsinChina,hasalr

3、eadytendedtorationalization.Atthesametime,people'sself-safeguardconsciousnessalsostrengthensunceasingly.Notonlymuchmultiplexintegrativeinsurancehasalreadyappearedintheinsuranee'smarketinsuccession,butalsothechoicesofthefinancingforpeoplearenotsimplexanylonger.Thisarticlemainlytakesacaseasanexamples

4、oastodiscusstheinvestmentsandchoicesaboutthepracticalbenefitsonthelifeinsuranceandthebankdepositbyusingmathematicalcalculation.Firstofall,theauthorchoosesastandardlifeinsurancepolicyforthiscaseinthereallife.Withanalyzingthecontent,requestandbenefitintheinsurancepolicyindetail,wecarryonthesimplifica

5、tionandsuppositionforthepolicy,anddeduceouttheformulaofthepolicyvalueconcretely.Then,byusingtheExcelsoftwarewecalculatethepracticalbenefitsofthepolicyattheendofeveryyear,whicharepolicyvaluesanddiedsafeguardvalues.Nextwemultiplythesurvivalrateandmortal让yratetotheeachofthevaluesjustmentionedrespectiv

6、ely.Addingthesetwoproductsup,wegetthe“effective"policyvalue.Atthesametimetheauthorusesactuai'ialknowledgetocalculatetheactuarialaccumulatedvalueandactuarialpresentvalue.Sincethepaymentwaysofthepolicyandthedepositaresame,soweobtaintheconclusionthatthetwopresentvaluesareequal.Accordingtothedepositway

7、ofsimpleinterestandcompoundinterestwecarryonthecomputationtogetaccumulatedvalueandpresentvalue.Comparethe"Effective"PolicyValuewiththedepositbenefitvaluetoconfirmtheconclusion.Here,ontheonehandwehaveearnedo