基于老龄化下我国住房抵押贷款养老保险定价研究

文章摘要

基于老龄化下我国住房抵押贷款养老保险定价研究

Study on the pricing of housing mortgage loan in China based on Aging

投稿时间：2017-09-16 修订日期：2017-09-16

DOI：

中文关键词: 住房抵押贷款养老保险以房养老一次性支付

英文关键词: housing mortgage loan endowment insurance housing endowment lump sum payment

基金项目:卓越保险管理人才

作者	单位	邮编
刘琪^*	安徽财经大学	233000

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中文摘要:

近年来，我国人口老龄化程度加剧，养老压力增大，现有养老方式受到了挑战。基于我国社会现状，寻找一种新型养老方式迫在眉睫，住房抵押贷款养老保险正好满足这一需求。如何合理定价，成为亟待研究的问题。针对此，假设单生命条件下参与住房抵押贷款养老保险的老人一次性领取养老保险金，通过案例分析的方法，解释说明定价问题，最后提出完善产品定价方面的意见。

英文摘要:

in recent years, the aging of the population in China has increased, and the pressure on the elderly has increased, and the existing way of providing for the aged has been challenged. Based on the current situation of our society, it is urgent to find a new way of providing for the aged. How to make reasonable pricing becomes an urgent problem to be studied. For this, in the housing mortgage endowment insurance that single life under the condition of the elderly receive a one-time pension insurance, through the case analysis method, explain the pricing problem, and finally put forward a sound advice on product pricing.

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