發(fā)布時(shí)間：2018-11-24 11:28

【摘要】：醫(yī)療衛(wèi)生事業(yè)的發(fā)展,生活水平的提高,使得社會(huì)全體成員的預(yù)期壽命不斷延長(zhǎng)。整個(gè)社會(huì)的老齡化使得長(zhǎng)壽風(fēng)險(xiǎn)凸現(xiàn)。長(zhǎng)壽風(fēng)險(xiǎn)的產(chǎn)生會(huì)造成養(yǎng)老資源不足,并導(dǎo)致老年人生活水準(zhǔn)的下降。年金產(chǎn)品成為預(yù)防長(zhǎng)壽風(fēng)險(xiǎn)的有效工具。個(gè)人年金能夠在約定的日期后定期向投資者支付保險(xiǎn)金,直至該投資者死亡。論文是以社會(huì)個(gè)體的角度探討能夠?qū)�(gè)人年金配置決策產(chǎn)生影響的因素以及這些因素是如何對(duì)社會(huì)個(gè)體的投資決策產(chǎn)生影響。通過(guò)建立老年人的個(gè)人年金配置決策模型,論文重點(diǎn)分析了生存概率、風(fēng)險(xiǎn)偏好、遺贈(zèng)動(dòng)機(jī)、年金基金投資收益率、和年金管理費(fèi)用等因素對(duì)投資者購(gòu)買(mǎi)年金過(guò)程中所起到的作用。年金基金投資投資率和生存概率的提高能夠增加提高購(gòu)買(mǎi)意愿。管理費(fèi)率和遺贈(zèng)動(dòng)機(jī)提高會(huì)降低購(gòu)買(mǎi)意愿。論文的分析表明存在遺贈(zèng)動(dòng)機(jī)是廣大投資者共有的特征。其存在降低了投資者購(gòu)買(mǎi)意愿,同時(shí)也限制了年金預(yù)防長(zhǎng)壽風(fēng)險(xiǎn)功能。為了能讓更多的老年人接受年金,也為了讓年金預(yù)防長(zhǎng)壽風(fēng)險(xiǎn)功能得到充分發(fā)揮,論文提出了個(gè)人年金產(chǎn)品的改進(jìn)方案。這種新的設(shè)計(jì)方案在保留原有年金方案的基礎(chǔ)上增加了另外一種選擇。這種選擇可以使投資者的繼承者在其去世后還能夠從保險(xiǎn)公司獲得最后一次支付。因而,投資者的遺贈(zèng)動(dòng)機(jī)得到滿(mǎn)足。這樣便增加老年人對(duì)年金的購(gòu)買(mǎi)。年金預(yù)防長(zhǎng)壽風(fēng)險(xiǎn)的功能也可以得到充分發(fā)揮。論文系統(tǒng)考慮投資者的遺贈(zèng)動(dòng)機(jī),探討如何配置個(gè)人年金來(lái)預(yù)防長(zhǎng)壽風(fēng)險(xiǎn)。論文既比較結(jié)合我國(guó)實(shí)際,通過(guò)對(duì)影響個(gè)人年金配置因素進(jìn)行分析,找到配置個(gè)人年金產(chǎn)品的最佳時(shí)期,抵御長(zhǎng)壽風(fēng)險(xiǎn),又通過(guò)提出個(gè)人年金設(shè)計(jì)方案,有利于壽險(xiǎn)公司的創(chuàng)新和增加收入。
[Abstract]:With the development of medical and health service and the improvement of living standard, the life expectancy of all members of the society is prolonged. The aging of the whole society highlights the risk of longevity. The risk of longevity will lead to the shortage of endowment resources and the decline of living standards of the elderly. Annuity products have become an effective tool for preventing longevity risks. A personal annuity can pay a regular premium to an investor after an agreed date until the investor dies. This paper discusses the factors that can affect the individual pension allocation decision from the angle of social individual and how these factors influence the individual investment decision. By establishing the decision model of personal pension allocation for the elderly, this paper focuses on the analysis of survival probability, risk preference, legacy motivation, investment return rate of pension fund. And pension management costs and other factors in the process of buying annuity investors play a role. The increase of investment rate and survival probability of annuity fund can increase purchase intention. Increased management fee rates and bequeath incentives will reduce purchase willingness. The analysis shows that the existence of bequest motivation is the common feature of investors. The existence of annuity reduces investors' willingness to buy and limits the function of annuity to prevent longevity risk. In order to make more old people accept annuity, and to make the function of preventing longevity risk get full play, this paper puts forward the improvement scheme of personal annuity product. The new design adds an alternative to the original pension scheme. This option allows investors' heirs to receive a final payment from an insurance company after their death. As a result, the investor's legacy motivation is satisfied. This increases the purchase of annuities by the elderly. The function of annuity to prevent longevity risk can also be given full play. This paper discusses how to allocate personal annuity to prevent longevity risk. This paper not only compares the actual situation of our country, by analyzing the factors that influence the disposition of personal annuity, finds out the best time to allocate the product of personal annuity, resist the risk of longevity, but also puts forward the design scheme of personal annuity. It is good for life insurance companies to innovate and increase income.
【學(xué)位授予單位】：天津財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F842.629

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本文編號(hào)：2353527