生存年金

This paper employs Brownian movement and q- step moving average process to model the stochastic fluctuation of interest and study the risk problems in individual account pension fund. The actuarial balance equation, the responsibility reserve fund as well as the survival annuity model are discussed.

本文分别用布朗运动和q阶移动平均对利率进行建模并应用于养老基金领域，研究了个人账户养老基金的精算平衡方程、责任准备金的提留以及生存年金模型，并讨论了与此相关的风险问题。

In this paper,using life annuity theory combining with State Department's 'the decision of establishing consolidated corporation employee pension system',we derive the actuarial model of measuring fund gap in the fundamental pension insurance.

根据1997年国务院《关于建立统一的企业职工基本养老保险制度的决定》文件，利用生存年金理论得到测算我国基本养老保险基金缺口的精算模型。

Under the assumption of UDD, the formulas of actuarial present value for combined life insurance and life annuity were given.

得到了联合生命保险在UDD假设下的趸缴纯保费，生存年金的精算现值以及均衡纯保费具体表达式。

However, since the life annuity is a long-term economic action, the factors of government policy and economic cycles may cause interest rate to be uncertain during the period of insurance. So the study on the theory of life annuities under random rates of interest has gradually become one of the heated and major problems of actuarial science.

但由于生存年金是一种长期的经济行为，投保期间的政府政策、经济周期等因素都会造成利率的不确定性，从而随机利率下生存年金理论的研究逐渐成为保险精算学研究的重点与热点问题之一。

Fundamental pension insurance ; life annuity ; actuarial present value

基本养老保险；生存年金；精算现值

Then basic principle which fine calculated according to the life insurance, infers under these two kind of stochastic interest rates to survive the annuity, the life insurance, the balanced pure insurance premium and the loss variable, the pure insurance premium responsibility reserve fund model.

然后根据人寿保险精算的基本原理，推导出这两种随机利率下生存年金、寿险、均衡纯保费与损失变量、纯保费责任准备金的模型。

On the other hand, the more important thing is because the urban housing is a kind of heterogeneity products.

另一方面，更重要的是由于城市住房是一种异质性产品。

Climate histogram is the fall that collects place measure calm value, cent serves as cross axle for a few equal interval, the area that the frequency that the value appears according to place is accumulated and becomes will be determined inside each interval, discharge the graph that rise with post, also be called histogram.

气候直方图是将所收集的降水量测定值，分为几个相等的区间作为横轴，并将各区间内所测定值依所出现的次数累积而成的面积，用柱子排起来的图形，也叫做柱状图。