中国人寿保险业经验生命表(2000～2003)
助理理财规划师(三级)-退休养老规划最新试题题库676
助理理财规划师(三级)-退休养老规划最新试题题库1、李大爷无儿无女，和老伴有一套80平方米住房，他很担心将要面临的养老问题，最近听说了以房养老这个方法，遂向理财规划师咨询。
借款人采用倒按揭方式养老，相应的金融机构获得房屋的产权的时间是（）。
A.贷款生效时B.借款人活到预期寿命时C.借款人去世时D.以上均不对2、如果我们要购买财产险，那么我们会选择一家擅长经营财产险的保险公司。
这反映了我们在选择保险产品时除了关注价格因素，还要关注（）。
A.保险公司的偿付能力B.保险公司的服务质量C.保险公司的机构网络D.保险公司的经营特长3、我国企业年金的领取年龄（）。
A.定在50岁B.定在45岁C.参照国家统一规定的法定退休年龄D.企业自主决定4、安全保管企业年金基金的财产是（）的职责。
A.受托人B.账户管理人C.基金托管人D.投资管理人企业年金中的直接承付方式可以采取（）方式。
①基金式；②非基金式；③强制式；④非强制式。
A.①②B.③④C.①③④D.①②③④6、李大爷无儿无女，和老伴有一套80平方米住房，他很担心将要面临的养老问题，最近听说了以房养老这个方法，遂向理财规划师咨询。
如果采取倒按揭，房屋的维护由（）负责。
A.贷款金融机构B.借款人C.住房公积金中心D.贷款金融机构指定代理人目前我国的金融业处于（）阶段。
A.分业经营、分业监管B.混业经营、混业监管C.分业经营、混业监管D.混业经营、分业监管8、劳动和社会保障部1999年3月9日发布了《关于制止和纠正违反国家规定办理企业职工提前退休有关问题的通知》指出：国家法定的企业（）退休年龄是年满50周岁。
A.男工人B.女工人C.女干部D.从事井下工作的男工人中国保监会2005年12月31日颁布的《中国人寿保险业经验生命表（2000～2003）》，养老金业务表女性平均寿命为（）岁。
A.76.7B.80.9C.79.7D.83.710、客户张先生，年过40，就职于一家国有大型企业，任销售经理。
第四章 生命表
– 中老年时期属于人类的加速死亡时期。在这段时间里，身体各器官逐渐老 化，开始罹患各种疾病。在可靠性理论中，称这段时期为加速失效期。
生命表起源
• 生命表的定义
– 生命表是用表格的行使来反映生命的变化规 律，又称为死亡表，是一定时期、一定数量 的人口从生存到死亡的统计记录。它反映了 整数年龄的人在整数年内生存或者死亡的概 率分布情况。
• 由于被保险人要经过体检合格才予以承保，所以， 国民生命表和经验生命表是有区别的。
• 政府和企业根据国民生命表制订社会保险和退休 计划。而保险公司通常使用经验生命表。
• 2、寿险生命表和年金生命表
• 由于逆选择，选择年金的人一般对身体 状况比较乐观，而选择寿险的对身体状况 不太乐观，这两类人的死亡率是有明显区 别的。寿险公司有必要对两类不同的人分 别统计，从而得出寿险生命表和年金生命 表。
t qx Pr[x X t x | X x] F (t x) F (x)
1 F(x) s(x) s(x t)
s(x)
x岁余寿的生存函数
x岁的人在x+t~x+t+u的死亡概率 t｜u qx ，以
概率的方式表示为：
t｜u qx Pr[t T (x) t u] tu qx t qx t px tu px t px u qxt
整值剩余寿命
• 定义：(x)未来存活的完整年数，简记 K (x)
K(X) k, • 概率函数
k T (x) k 1,k 0,1,L
Pr(K ( X ) k) Pr(k T (x) k 1) q k1 x k qx k px k1 px k px qxk k qx
人身保险业经验生命表(2010-2013)
年龄死亡率生存人数死亡人数平均余命(x)q xl xd xL xT xe x o00.0008671000000.00867.00999566.5076420141.8776.4210.000615999133.00614.47998825.7775420575.3775.4920.000445998518.53444.34998296.3674421749.6074.5330.000339998074.19338.35997905.027*******.2473.5740.00028997735.85279.37997596.1672425548.2272.5950.000251997456.48250.36997331.3071427952.0671.6160.000237997206.12236.34997087.9570430620.7670.6370.000233996969.78232.29996853.6369433532.8169.6480.000238996737.49237.22996618.8768436679.1868.6690.00025996500.26249.13996375.7067440060.3067.68100.000269996251.14267.99996117.1466443684.6066.69110.000293995983.15291.82995837.2365447567.4665.71120.000319995691.32317.63995532.5164451730.2364.73130.000347995373.70345.39995201.0063456197.7263.75140.000375995028.30373.14994841.7362460996.7262.77150.000402994655.17399.85994455.2461466154.9861.80160.000427994255.32424.55994043.0460471699.7460.82170.000449993830.77446.23993607.6559477656.7059.85180.000469993384.54465.90993151.5958484049.0558.87190.000489992918.64485.54992675.8757490897.4657.90200.000508992433.10504.16992181.0356498221.5956.93210.000527991928.95522.75991667.5755506040.5655.96220.000547991406.20542.30991135.0554514372.9854.99230.000568990863.90562.81990582.5053523237.9354.02240.000591990301.09585.27990008.4652532655.4453.05250.000615989715.82608.68989411.4951542646.9852.08260.000644989107.15636.99988788.6650553235.4951.11270.000675988470.16667.22988136.5549564446.8450.14280.000711987802.95702.33987451.7848576310.2849.18290.000751987100.62741.31986729.9647588858.5048.21300.000797986359.31786.13985966.2446602128.5447.25310.000847985573.18834.78985155.7945616162.3046.28320.000903984738.40889.22984293.7944631006.5145.322010-2013非养老类业务一表男CL1生存人年数中国人身保险业经验生命表330.000966983849.18950.40983373.9843646712.7244.36 340.001035982898.781017.30982390.1342663338.7443.41 350.001111981881.481090.87981336.0441680948.6242.45 360.001196980790.611173.03980204.1040699612.5741.50 370.00129979617.581263.71978985.7339719408.4840.55 380.001395978353.881364.80977671.4738740422.7539.60 390.001515976989.071480.14976249.0037762751.2738.65 400.001651975508.931610.57974703.6536786502.2737.71 410.001804973898.371756.91973019.9135811798.6136.77 420.001978972141.461922.90971180.0134838778.7035.84 430.002173970218.562108.28969164.4233867598.6934.91 440.002393968110.282316.69966951.9332898434.2733.98 450.002639965793.592548.73964519.2231931482.3433.06 460.002913963244.862805.93961841.8930966963.1232.15 470.003213960438.933085.89958895.9830005121.2331.24 480.003538957353.043387.12955659.4829046225.2430.34 490.003884953965.923705.20952113.3228090565.7729.45 500.004249950260.724037.66948241.8927138452.4528.56 510.004633946223.064383.85944031.1326190210.5627.68 520.005032941839.214739.33939469.5425246179.4226.81 530.005445937099.875102.51934548.6224306709.8825.94 540.005869931997.365469.89929262.4223372161.2625.08 550.006302926527.475838.98923607.9822442898.8524.22 560.006747920688.506211.89917582.5521519290.8623.37 570.007227914476.616608.92911172.1520601708.3122.53 580.00777907867.697054.13904340.6219690536.1621.69 590.008403900813.567569.54897028.7918786195.5420.85 600.009161893244.028183.01889152.5217889166.7520.03 610.010*********.018908.14880606.9417000014.2319.21 620.011129876152.879750.71871277.5216119407.2918.40 630.01236866402.1710708.73861047.8015248129.7717.60 640.013771855693.4411783.75849801.5614387081.9716.81 650.015379843909.6812978.49837420.4413537280.4116.04 660.017212830931.1914301.99823780.2012699859.9715.28 670.019304816629.2115764.21808747.1011876079.7714.54 680.021*********.0017371.56792179.2211067332.6713.82 690.024*********.4319125.86773930.5110275153.4513.11 700.027*********.5821016.29753859.439501222.9512.43 710.030965743351.2923017.87731842.358747363.5111.77 720.034832720333.4225090.65707788.098015521.1611.13 730.0391********.7627187.47681649.037307733.0710.51 740.0437********.3029258.15653426.226626084.049.92750.048921638797.1531250.60623171.855972657.829.35 760.054506607546.5533114.93590989.085349485.978.81 770.060586574431.6234802.51557030.364758496.898.28 780.067202539629.1036264.16521497.034201466.537.79 790.0744503364.9537450.35484639.773679969.507.31 800.08222465914.6038307.50446760.853195329.73 6.86 810.0907427607.1038783.96408215.122748568.88 6.43 820.0998********.1338830.99369407.642340353.77 6.02 830.109754349992.1538413.04330785.631970946.12 5.63 840.120388311579.1137510.39292823.921640160.50 5.26 850.131817274068.7236126.92256005.261347336.58 4.92 860.144105237941.8134288.60220797.501091331.32 4.59 870.157334203653.2032041.57187632.42870533.82 4.27 880.171609171611.6329450.10156886.58682901.40 3.98 890.187046142161.5326590.75128866.16526014.82 3.70 900.203765115570.7823549.28103796.14397148.66 3.44 910.22187392021.5020417.0981812.96293352.52 3.19 920.24145171604.4217288.9662959.94211539.56 2.95 930.26253954315.4614259.9347185.50148579.63 2.74 940.28512940055.5311420.9934345.04101394.13 2.53 950.3091628634.548852.6524208.2167049.10 2.34 960.33452919781.886617.6116473.0842840.88 2.17 970.36110113164.274753.6310787.4526367.81 2.00 980.3887278410.643269.446775.9215580.35 1.85 990.4172575141.202145.204068.608804.43 1.71 1000.4465442996.001337.842327.074735.84 1.58 1010.4764471658.15790.021263.142408.76 1.45 1020.50683868.13439.99648.131145.62 1.32 1030.537558428.14230.15313.06497.49 1.16 1040.568497197.99112.56141.71184.430.93 105185.4385.4342.7242.720.50年龄死亡率生存人数死亡人数平均余命(x)q xl xd xL xT xe x o00.000621000000.00620.00999690.0081707122.9181.7110.000456999380.00455.72999152.1480707432.9180.7620.000337998924.28336.64998755.9679708280.7779.7930.000256998587.65255.64998459.8378709524.8178.8240.000203998332.01202.66998230.6877711064.9877.8450.00017998129.35169.68998044.5076712834.3176.8660.000149997959.66148.70997885.3275714789.8075.8770.000137997810.97136.70997742.6274716904.4974.8880.000133997674.27132.69997607.9273719161.8773.8990.000136997541.58135.67997473.7472721553.9572.90100.000145997405.91144.62997333.6071724080.2071.91110.000157997261.29156.57997183.0070726746.6070.92120.000172997104.72171.50997018.9769729563.6069.93130.000189996933.22188.42996839.0068732544.6468.94140.000206996744.79205.33996642.1367735705.6367.96150.000221996539.47220.24996429.3566739063.5066.97160.000234996319.23233.14996202.6665742634.1565.99170.000245996086.09244.04995964.0764746431.4965.00180.000255995842.05253.94995715.0863750467.4264.02190.000262995588.11260.84995457.6962754752.3463.03200.000269995327.27267.74995193.3961759294.6562.05210.000274995059.52272.65994923.2060764101.2661.07220.000279994786.88277.55994648.1059769178.0660.08230.000284994509.33282.44994368.1158774529.9559.10240.000289994226.89287.33994083.2357780161.8458.12250.000294993939.56292.22993793.4556786078.6257.13260.0003993647.34298.09993498.2955792285.1756.15270.000307993349.25304.96993196.7754798786.8755.17280.000316993044.29313.80992887.3953805590.1154.18290.000327992730.49324.62992568.1852812702.7253.20300.00034992405.86337.42992237.1551820134.5452.22310.000356992068.45353.18991891.8650827897.3951.23320.000374991715.27370.90991529.8249836005.5350.25330.000397991344.37393.56991147.5948844475.7149.27340.000423990950.80419.17990741.2247853328.1248.29350.000454990531.63449.70990306.7846862586.9147.31360.000489990081.93484.15989839.8645872280.1346.33生存人年数非养老类业务一表女CL2370.00053989597.78524.49989335.5444882440.2745.35 380.000577989073.29570.70988787.9543893104.7344.38 390.000631988502.60623.75988190.7342904316.7943.40 400.000692987878.85683.61987537.0541916126.0642.43 410.000762987195.24752.24986819.1240928589.0141.46 420.000841986443.00829.60986028.2039941769.8940.49 430.000929985613.40915.63985155.5838955741.6939.52 440.001028984697.771012.27984191.6337970586.1138.56 450.001137983685.501118.45983126.2736986394.4837.60 460.001259982567.051237.05981948.5236003268.2136.64 470.001392981329.991366.01980646.9935021319.6935.69 480.001537979963.981506.20979210.8834040672.7034.74 490.001692978457.781655.55977630.0033061461.8233.79 500.001859976802.231815.88975894.2932083831.8232.85 510.002037974986.351986.05973993.3331107937.5331.91 520.002226973000.302165.90971917.3530133944.2030.97 530.002424970834.412353.30969657.7529162026.8530.04 540.002634968481.102550.98967205.6128192369.1029.11 550.002853965930.122755.80964552.2227225163.4828.19 560.003085963174.332971.39961688.6326260611.2627.26 570.003342960202.933209.00958598.4325298922.6326.35 580.003638956993.933481.54955253.1624340324.1925.43 590.00399953512.393804.51951610.1323385071.0324.53 600.004414949707.884192.01947611.8722433460.9023.62 610.004923945515.874654.77943188.4821485849.0322.72 620.005529940861.095202.02938260.0820542660.5521.83 630.006244935659.075842.26932737.9419604400.4720.95 640.007078929816.816581.24926526.1918671662.5320.08 650.008045923235.577427.43919521.8617745136.3419.22 660.009165915808.148393.38911611.4516825614.4818.37 670.010********.769491.56902668.9815914003.0317.54 680.011955897923.2010734.67892555.8615011334.0516.72 690.013674887188.5312131.42881122.8214118778.1915.91 700.015643875057.1113688.52868212.8513237655.3615.13 710.017887861368.5915407.30853664.9412369442.5114.36 720.020*********.2917284.68837318.9511515777.5713.61 730.023*********.6119310.65819021.2910678458.6112.89 740.026528809365.9621470.86798630.539859437.3212.18 750.030137787895.1023744.79776022.709060806.7911.50 760.034165764150.3126107.20751096.718284784.0910.84 770.038653738043.1128527.58723779.327533687.3810.21 780.0436********.5330968.93694031.066809908.069.60790.049205678546.6033387.89661852.666115876.999.01 800.0553********.7135732.12627292.655454024.348.45 810.062254609426.6037939.24590456.984826731.687.92 820.06988571487.3539935.54551519.594236274.717.41 830.07832531551.8241631.14510736.253684755.12 6.93 840.0876********.6842922.44468459.463174018.87 6.48 850.0977********.2443695.87425150.312705559.41 6.05 860.108704403302.3743840.58381382.082280409.11 5.65 870.120371359461.7943268.78337827.401899027.02 5.28 880.132638316193.0241939.21295223.411561199.62 4.94 890.145395274253.8139875.13254316.241265976.21 4.62 900.158572234378.6737165.90215795.731011659.97 4.32 910.172172197212.7833954.52180235.52795864.24 4.04 920.186294163258.2630414.03148051.24615628.72 3.77 930.201129132844.2326718.83119484.81467577.48 3.52 940.21694106125.4023022.8494613.98348092.66 3.28 950.23402683102.5619448.1673378.48253478.69 3.05 960.25267363654.4016083.7555612.52180100.21 2.83 970.27311247570.6512992.1241074.59124487.69 2.62 980.29547834578.5310217.2029469.9483413.09 2.41 990.31979424361.347790.6120466.0353943.16 2.21 1000.34597516570.735733.0613704.2033477.13 2.02 1010.37385610837.674051.738811.8119772.93 1.82 1020.4032216785.942736.235417.8310961.12 1.62 1030.4338334049.711756.903171.265543.29 1.37 1040.4654472292.811067.181759.222372.03 1.03 10511225.631225.63612.81612.810.50年龄死亡率生存人数死亡人数平均余命(x)q xl xd xL xT xe x 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390.000808987800.55798.14987401.4844315589.9144.86 400.000878987002.41866.59986569.1143328188.4443.90 410.000955986135.82941.76985664.9442341619.3342.94 420.001041985194.061025.59984681.2641355954.3941.98 430.001138984168.471119.98983608.4840371273.1241.02 440.001245983048.491223.90982436.5439387664.6440.07 450.001364981824.591339.21981154.9938405228.1039.12 460.001496980485.381466.81979751.9837424073.1238.17 470.001641979018.581606.57978215.2936444321.1437.23 480.001798977412.011757.39976533.3135466105.8436.29 490.001967975654.621919.11974695.0634489572.5335.35 500.002148973735.512091.58972689.7233514877.4634.42 510.00234971643.922273.65970507.1032542187.7533.49 520.002544969370.282466.08968137.2431571680.6532.57 530.002759966904.202667.69965570.3630603543.4131.65 540.002985964236.512878.25962797.3929637973.0530.74 550.003221961358.273096.53959810.0028675175.6629.83 560.003469958261.733324.21956599.6327715365.6728.92 570.003731954937.523562.87953156.0826758766.0428.02 580.004014951374.653818.82949465.2425805609.9627.12 590.004323947555.834096.28945507.6924856144.7226.23 600.00466943459.554396.52941261.2923910637.0325.34 610.005034939063.034727.24936699.4022969375.7424.46 620.005448934335.785090.26931790.6522032676.3423.58 630.005909929245.525490.91926500.0621100885.6922.71 640.006422923754.615932.35920788.4320174385.6221.84 650.006988917822.266413.74914615.3919253597.1920.98 660.00761911408.516935.82907940.6118338981.8120.12 670.008292904472.707499.89900722.7517431041.2019.27 680.009046896972.818114.02892915.8016530318.4518.43 690.009897888858.798797.04884460.2715637402.6517.59 700.010*********.769582.11875270.7014752942.3716.76 710.01208870479.6410515.39865221.9513877671.6715.94 720.01355859964.2511652.52854137.9913012449.7315.13 730.015387848311.7313052.97841785.2512158311.7314.33 740.017686835258.7614772.39827872.5711316526.4913.55 750.020*********.3816851.97812060.3910488653.9212.78 760.024*********.4119300.89793983.969676593.5312.04 770.028*********.5222088.40773289.328882609.5611.33 780.032978762245.1225137.32749676.468109320.2510.64 790.038437737107.8028332.21722941.697359643.799.98800.044492708775.5931534.84693008.166636702.109.36 810.0510********.7434597.52659941.985943693.938.78 820.058173642643.2237384.48623950.985283751.958.22 830.065722605258.7439778.81585369.334659800.977.70 840.0737********.9241692.27544633.794074431.647.21 850.082223523787.6543067.39502253.963529797.85 6.74 860.0912********.2643860.44458790.043027543.89 6.30 870.1009436859.8344079.16414820.252568753.85 5.88 880.111321392780.6743724.74370918.302153933.60 5.48 890.122608349055.9342797.05327657.411783015.30 5.11 900.134********.8841305.14285606.311455357.89 4.75 910.148212264953.7539269.32245319.081169751.58 4.41 920.162742225684.4236728.33207320.26924432.49 4.10 930.178566188956.0933741.13172085.52717112.24 3.80 940.195793155214.9630390.00140019.95545026.72 3.51 950.214499124824.9526774.83111437.54405006.76 3.24 960.2346598050.1323007.4686546.39293569.22 2.99 970.2561875042.6619224.4365430.45207022.83 2.76 980.27902555818.2315574.6848030.89141592.38 2.54 990.3031240243.5512198.6334144.2493561.49 2.32 1000.32840128044.939209.9823439.9459417.25 2.12 1010.35480318834.946682.6915493.6035977.31 1.91 1020.38226112152.254645.339829.5820483.72 1.69 1030.410717506.923083.175965.3410654.13 1.42 1040.4400864423.751946.833450.344688.80 1.06 10512476.922476.921238.461238.460.50年龄死亡率生存人数死亡人数平均余命(x)q xl xd xL xT xe x o00.0004531000000.00453.00999773.5088131288.7988.1310.000289999547.00288.87999402.5787131515.2987.1720.000184999258.13183.86999166.2086132112.7386.2030.000124999074.27123.89999012.3285132946.5385.2140.000095998950.3894.90998902.9384133934.2084.2250.000084998855.4883.90998813.5383135031.2783.2360.000078998771.5877.90998732.6382136217.7482.2470.000074998693.6773.90998656.7281137485.1281.2480.000072998619.7771.90998583.8280138828.3980.2590.000072998547.8771.90998511.9279140244.5779.26100.000074998475.9773.89998439.0378141732.6578.26110.000077998402.0976.88998363.6577143293.6277.27120.00008998325.2179.87998285.2876144929.9776.27130.000085998245.3484.85998202.9275146644.6975.28140.00009998160.4989.83998115.5874148441.7874.29150.000095998070.6694.82998023.2573150326.2073.29160.0001997975.8499.80997925.9472152302.9572.30170.000105997876.04104.78997823.6671154377.0171.31180.00011997771.27109.75997716.3970156553.3570.31190.000115997661.51114.73997604.1569158836.9669.32200.00012997546.78119.71997486.9368161232.8168.33210.000125997427.08124.68997364.7467163745.8867.34220.000129997302.40128.65997238.0766166381.1566.35230.000134997173.75133.62997106.9465169143.0765.35240.000139997040.12138.59996970.8364172036.1464.36250.000144996901.54143.55996829.7663175065.3163.37260.000149996757.98148.52996683.7262178235.5562.38270.000154996609.47153.48996532.7361181551.8361.39280.00016996455.99159.43996376.2760185019.1060.40290.000167996296.55166.38996213.3659188642.8359.41300.000175996130.17174.32996043.0158192429.4658.42310.000186995955.85185.25995863.2357196386.4557.43320.000198995770.60197.16995672.025*******.2356.44330.000213995573.44212.06995467.4155204851.2155.45340.000231995361.38229.93995246.4254209383.8054.46350.000253995131.45251.77995005.5753214137.3853.47360.000277994879.69275.58994741.8952219131.8152.49370.000305994604.10303.35994452.4351224389.9151.50380.000337994300.75335.08994133.2150229937.4950.52390.000372993965.67369.76993780.7949235804.2749.53养老类业务表女CL6生存人年数。
中国保险监督管理委员会关于继续使用《中国人寿保险业经验生命表
中国保险监督管理委员会关于继续使用《中国人寿保险业经验生命表(1990－1993)》的通知【法规类别】人身保险【发文字号】保监发[1999]238号【失效依据】中国保险监督管理委员会关于公布规章和规范性文件清理结果的通知【发布部门】中国保险监督管理委员会【发布日期】1999.12.13【实施日期】1999.12.13【时效性】失效【效力级别】部门规范性文件中国保险监督管理委员会关于继续使用《中国人寿保险业经验生命表（１９９０－１９９３）》的通知（保监发〔１９９９〕２３８号１９９９年１２月１３日）中国人寿保险公司、中国太平洋保险公司、中国平安保险股份有限公司、新华人寿保险股份有限公司、泰康人寿保险股份有限公司、新疆兵团保险公司、美国友邦保险有限公司广州分公司、中宏人寿保险有限公司、太平洋安泰人寿保险有限公司、安联大众人寿保险有限公司、金盛人寿保险有限公司、美国友邦保险有限公司上海分公司、美国友邦保险有限公司深圳分公司：现将继续使用《中国人寿保险业经验生命表（１９９０－１９９３）》的有关事项通知如下：一、中国第一张寿险业生命表命名为《中国人寿保险业经验生命表（１９９０－１９９３）》，英文名称为：《ＣｈｉｎａＬｉｆｅＩｎｓｕｒａｎｃｅＭｏｒｔａｌｉｔｙＴａｂｌｅ（１９９０－１９９３）》，简称：《ＣＬ（１９９０－１９９３）》。
其中非养老金类业务用表三张，养老金类业务用表三张（见附表），分别是：１．非养老金业务用男表，简称《ＣＬ１（１９９０－１９９３）》２．非养老金业务用女表，简称《ＣＬ２（１９９０－１９９３）》３．非养老金业务用男女表，简称《ＣＬ３（１９９０－１９９３）》４．养老金业务用男表，简称《ＣＬ４（１９９０－１９９３）》５．养老金业务用女表，简称《ＣＬ５（１９９０－１９９３）》６．养老金业务用男女表，简称《ＣＬ６（１９９０－１９９３）》二、非养老金业务表适用于不含养老金给付责任的普通寿险，养老金业务用表适用于养老金保险，包含养老金和普通寿险给付责任的综合保险，养老金保险责任使用养老金业务用表，其他保险责任使用非养老金业务用表。
2_年金保险
国际金融理财师
国
资格认证培训
国际金融理财师国际金融理财师
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定额年金（固定给付年金）国际金融理财师
国际金融理财师
国际金融理财师国际金融理财师国际金融理财师国际金融理财师国际金融理财师国际金融理财师
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自在
自主
自由。
人口寿命指数指数构造及其长寿风险管理应用流程
人口寿命指数：指数构造及其长寿风险管理应用流程高全胜伍旭王赛2012-6-20 15:00:42 来源：《保险研究》(京)2011年12期第52～59页内容提要：基于JP摩根公司提出的LifeMetrics基本架构，首先结合中国的实际探讨了中国人口寿命与死亡数据的收集与整理问题，分析了人口寿命指数构造中的困难，然后利用LifeMetrics提供的计算软件初步测算了中国的人口死亡率模型，最后探讨了利用人口寿命指数进行长寿风险管理的应用流程问题。
关键词：人口寿命指数长寿风险作者简介：高全胜，经济学博士，武汉工业学院数学与计算机学院副教授（湖北武汉430023）；伍旭，中南财经政法大学工商管理学院硕士研究生（湖北武汉430073）；王赛，武汉工业学院经济管理学院硕士研究生（湖北武汉430023）。
一、引言人口寿命越来越长是人类社会发展的一个基本事实。
中国的夏商周时期平均人口寿命大约为18岁，唐朝时期为27岁，在新中国成立的1949年，平均人口寿命仅仅为35岁（《人民日报海外版》，2000年12月11日第三版），经过漫长五千年的变化，人口寿命才终于翻了一番。
但是在2000年，中国人口的平均寿命达到71.8岁，仅仅用了短短五十年的时间，人口寿命就翻了一番。
总体来看，目前世界各国都有这种现象：老年人越来越多，越来越多的老年人活得越来越老，但储蓄太少、退休太早、花钱太快。
人们已经意识到，尽管长寿是人们追求的目标，但是越来越长的寿命不论是在国家整体还是在家庭个体层次上都是一种巨大的潜在风险。
经济学家蔡昉在中国经济50人论坛2011年会上强调“未富先老”将成为我国“十二五”重要挑战，安联集团管理委员会的杰伊·拉尔夫认为“在退休规划中，长寿是最被低估的风险因素之一。
事实上，长寿风险比通胀风险还要大”（《国际金融报》，2010年10月22日第06版）。
目前，中国处在人口老龄化和人口长寿化加速阶段，是世界上老年人口最多的国家，存在国家社会保障体系的资金短缺、企业年金发展不成熟和个人面临退休收入不足的问题，长寿风险以及人口老龄化风险将成为未来我国主要的社会风险。
分红保险精算规定-中国保监会
附件分红保险精算规定第一部分总则一、本规定所称分红保险，是指保险公司将其实际经营成果产生的盈余，按一定比例向保单持有人进行分配的人身保险产品。
二、本规定适用于个人分红保险和团体分红保险。
三、分红保险可以采取终身寿险、两全保险或年金保险的形式。
保险公司不得将其他产品形式设计为分红保险。
第二部分保险金额四、对于投保时被保险人的年龄满18周岁的，个人分红终身寿险、个人分红两全保险在保单签发时或保险责任等待期结束时的死亡保险金额不得低于已交保费的120%。
死亡保险责任至少应当包括疾病身故保障责任和意外身故保障责任。
第三部分保险费五、保险公司厘定保险费，应当符合一般精算原理，采用公平、合理的定价假设。
六、保险费应当根据预定利率、预定发生率、预定附加费用率等要素采用换算表方法进行计算。
（一）预定利率保险公司在厘定保险费时，应根据公司历史投资回报率经验和对未来的合理预期及产品特性按照审慎原则确定预定利率。
（二）预定发生率保险公司在厘定保险费时，应以公司实际经验数据和行业公开发布的经验发生率表为基础，同时考虑未来的趋势和风险变化，按照审慎原则确定预定发生率。
（三）预定附加费用率保险公司在厘定保险费时，应以公司实际经验数据为基础，按照审慎原则确定预定附加费用率。
各保单年度的预定附加费用率由保险公司自主设定，但平均附加费用率不得超过下表规定的上限。
平均附加费用率是指保单各期预定附加费用精算现值之和占保单毛保费精算现值之和的比例。
七、保险公司应当对定价假设相关参数进行定期回顾与分析，并根据公司实际经验及时调整相关参数。
八、保险公司在产品定价时应进行利润测试。
第四部分保单最低现金价值九、保单年度末保单价值准备金保单年度末保单价值准备金指为计算保单年度末保单最低现金价值，按照本条所述计算基础和计算方法算得的准备金数值。
（一）计算基础1.发生率采用险种报备时厘定保险费所使用的预定发生率；2.个人分红保险的附加费用率采用下表规定的数值进行计算：团体分红保险的附加费用率由公司自主确定。
中国保险监督管理委员会关于印发人身保险新型产品精算规定的通知
中国保险监督管理委员会关于印发人身保险新型产品精算规定的通知文章属性•【制定机关】中国保险监督管理委员会(已撤销)•【公布日期】2003.05.16•【文号】保监发[2003]67号•【施行日期】2003.07.01•【效力等级】部门规范性文件•【时效性】已被修改•【主题分类】保险正文*注：本篇法规已被《中国保险监督管理委员会关于修订精算规定中生命表使用有关事项的通知》（发布日期：2005年12月19日实施日期：2006年1月1日）修订*注：本篇法规中的《个人投资连结保险精算规定》、《个人万能保险精算规定》已被《中国保险监督管理委员会关于印发投资连结保险万能保险精算规定的通知》（发布日期：2007年3月26日实施日期：2007年3月26日）废止中国保险监督管理委员会关于印发人身保险新型产品精算规定的通知（保监发[2003]67号）各保监办，各寿险公司：为加强对人身保险新型产品的监管，规范人身保险新型产品精算工作，我会制定了《个人分红保险精算规定》、《个人投资连结保险精算规定》、《个人万能保险精算规定》（以下统称为《规定》），自２００３年７月１日起执行。
人身保险新型产品保险合同在《规定》执行前已经生效的，仍按原保险合同内容执行。
特此通知2003年5月16日个人分红保险精算规定第一部分适用范围一、本规定适用于个人分红保险。
二、分红保险可以采取终身寿险、两全保险或年金保险的形式。
保险公司不得将其他产品形式设计为分红保险。
第二部分保险费三、保险费应当根据预定利息率、预定死亡率、预定附加费用率等要素采用换算表方法进行计算。
（一）预定利息率。
保险公司在厘定保险费时，应根据公司对未来投资回报率的预测按照谨慎的原则确定预定利息率，所采用的预定利息率应当符合中国保险监督管理委员会（以下简称“保监会”）的规定。
（二）预定死亡率。
保险公司在厘定保险费时，预定死亡率应当采用中国人寿保险业经验生命表（１９９０～１９９３）所提供的数据。
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中国保险监督管理委员会关于颁布《中国人寿保险业经验生命表（2000～2003）》的通知2005年12月19日保监发［2005］117号各寿险公司、各养老保险公司、各健康保险公司：现颁布《中国人寿保险业经验生命表(2000～2003)》，并将有关事项通知如下：中国第二张寿险业生命表命名为《中国人寿保险业经验生命表(2000～2003)》，英文名称为《China Life Insurance Mortality Table(2000～2003)》，简称：CL(2000～2003)。
其中，非养老金业务表两张，养老金业务表两张（见附件），分别是：1.非养老金业务男表，简称CL1(2000～2003)；2.非养老金业务女表，简称CL2(2000～2003)；3.养老金业务男表，简称CL3(2000～2003)；4.养老金业务女表，简称CL4(2000～2003)。
附件：中国人寿保险业经验生命表(2000～2003)本次非养老金业务表0岁余命男性为76.7岁，较90-93表改善3.1岁，女性0岁余命为80.9岁，改善了3.1岁；60岁男性平均余命较90-93表改善1.4岁，女性改善1.7岁。
养老金业务表零岁余命男性为79.7岁，较90-93表改善4.8岁，女性0岁余命为83.7岁，较90-93表改善了4.7岁。
据了解，新生命表的使用计划将从2006年到2015年。
附件：中国人寿保险业经验生命表（2000—2003）年龄非养老金业务表养老金业务表男(CL1)女(CL2)男(CL3)女(CL4)0 0.000722 0.000661 0.000627 0.0005751 0.000603 0.000536 0.000525 0.0004662 0.000499 0.000424 0.000434 0.0003693 0.000416 0.000333 0.000362 0.0002904 0.000358 0.000267 0.000311 0.0002325 0.000323 0.000224 0.000281 0.0001956 0.000309 0.000201 0.000269 0.0001757 0.000308 0.000189 0.000268 0.0001648 0.000311 0.000181 0.000270 0.0001589 0.000312 0.000175 0.000271 0.00015210 0.000312 0.000169 0.000272 0.00014711 0.000312 0.000165 0.000271 0.00014312 0.000313 0.000165 0.000272 0.00014313 0.000320 0.000169 0.000278 0.00014714 0.000336 0.000179 0.000292 0.00015615 0.000364 0.000192 0.000316 0.00016716 0.000404 0.000208 0.000351 0.00018117 0.000455 0.000226 0.000396 0.00019618 0.000513 0.000245 0.000446 0.00021319 0.000572 0.000264 0.000497 0.00023020 0.000621 0.000283 0.000540 0.00024621 0.000661 0.000300 0.000575 0.00026122 0.000692 0.000315 0.000601 0.00027423 0.000716 0.000328 0.000623 0.00028524 0.000738 0.000338 0.000643 0.00029325 0.000759 0.000347 0.000660 0.00030126 0.000779 0.000355 0.000676 0.00030827 0.000795 0.000362 0.000693 0.00031628 0.000815 0.000372 0.000712 0.00032529 0.000842 0.000386 0.000734 0.00033730 0.000881 0.000406 0.000759 0.00035131 0.000932 0.000432 0.000788 0.00036632 0.000994 0.000465 0.000820 0.00038433 0.001055 0.000496 0.000855 0.000402年龄非养老金业务表养老金业务表男(CL1)女(CL2)男(CL3)女(CL4)34 0.001121 0.000528 0.000893 0.00042135 0.001194 0.000563 0.000936 0.00044136 0.001275 0.000601 0.000985 0.00046437 0.001367 0.000646 0.001043 0.00049338 0.001472 0.000699 0.001111 0.00052839 0.001589 0.000761 0.001189 0.00056940 0.001715 0.000828 0.001275 0.00061541 0.001845 0.000897 0.001366 0.00066442 0.001978 0.000966 0.001461 0.00071443 0.002113 0.001033 0.001560 0.00076344 0.002255 0.001103 0.001665 0.00081545 0.002413 0.001181 0.001783 0.00087346 0.002595 0.001274 0.001918 0.00094247 0.002805 0.001389 0.002055 0.00101448 0.003042 0.001527 0.002238 0.00112349 0.003299 0.001690 0.002446 0.00125150 0.003570 0.001873 0.002666 0.00139351 0.003847 0.002074 0.002880 0.00154852 0.004132 0.002295 0.003085 0.00171453 0.004434 0.002546 0.003300 0.00189354 0.004778 0.002836 0.003545 0.00209355 0.005203 0.003178 0.003838 0.00231856 0.005744 0.003577 0.004207 0.00260757 0.006427 0.004036 0.004676 0.00297958 0.007260 0.004556 0.005275 0.00341059 0.008229 0.005133 0.006039 0.00381660 0.009313 0.005768 0.006989 0.00427261 0.010490 0.006465 0.007867 0.00478162 0.011747 0.007235 0.008725 0.00535163 0.013091 0.008094 0.009677 0.00598864 0.014542 0.009059 0.010731 0.00670165 0.016134 0.010148 0.011900 0.00749966 0.017905 0.011376 0.013229 0.00840867 0.019886 0.012760 0.014705 0.00943868 0.022103 0.014316 0.016344 0.01059269 0.024571 0.016066 0.018164 0.01188670 0.027309 0.018033 0.020184 0.01333771 0.030340 0.020241 0.022425 0.01496472 0.033684 0.022715 0.024911 0.016787年龄非养老金业务表养老金业务表男(CL1)女(CL2)男(CL3)女(CL4)73 0.037371 0.025479 0.027668 0.01882974 0.041430 0.028561 0.030647 0.02111775 0.045902 0.031989 0.033939 0.02370276 0.050829 0.035796 0.037577 0.02649177 0.056262 0.040026 0.041594 0.02960278 0.062257 0.044726 0.046028 0.03307079 0.068871 0.049954 0.050920 0.03693580 0.076187 0.055774 0.056312 0.04124181 0.084224 0.062253 0.062253 0.04603382 0.093071 0.069494 0.068791 0.05136583 0.102800 0.077511 0.075983 0.05729184 0.113489 0.086415 0.083883 0.06387285 0.125221 0.096294 0.092554 0.07117486 0.138080 0.107243 0.102059 0.07926787 0.152157 0.119364 0.112464 0.08822588 0.167543 0.132763 0.123836 0.09812989 0.184333 0.147553 0.136246 0.10906190 0.202621 0.163850 0.149763 0.12110791 0.222500 0.181775 0.164456 0.13435592 0.244059 0.201447 0.180392 0.14889693 0.267383 0.222987 0.197631 0.16481694 0.292544 0.246507 0.216228 0.18220195 0.319604 0.272115 0.236229 0.20112996 0.348606 0.299903 0.257666 0.22166797 0.379572 0.329942 0.280553 0.24387098 0.412495 0.362281 0.304887 0.26777399 0.447334 0.396933 0.330638 0.293385100 0.484010 0.433869 0.357746 0.320685 101 0.522397 0.473008 0.386119 0.349615 102 0.562317 0.514211 0.415626 0.380069 103 0.603539 0.557269 0.446094 0.411894 104 0.645770 0.601896 0.477308 0.444879 105 1.000000 1.000000 1.000000 1.000000新旧生命表对比寿险产品迎来创新期定价生命表放开后，各保险公司将可以自行对不同地区、不同人群的死亡率作不同的估计，从而准确、合理地制定保险费率，这将有利于实现不同产品的差别定价，鼓励产品创新的发展。