查詢結果分析
來源資料
頁籤選單縮合
題 名 | 從制度、財務規劃探討國民年金保險之可行性=Research of the Practicability of Citized Annuity Insurance through System Design and Financial Planning |
---|---|
作 者 | 高孟君; 巴台坤; | 書刊名 | 南亞學報 |
卷 期 | 22 2002.08[民91.08] |
頁 次 | 頁113-134 |
分類號 | 548.92 |
關鍵詞 | 年金; 國民年金保險; 年金保險評價模式; 年金模擬; Annuity; Citizen annuity insurance; Annuity insurance evaluation model; Annuity simulation; |
語 文 | 中文(Chinese) |
中文摘要 | 由於老人化社會的來臨,許多國家均已建立其社會安全制度,雖其實施的方式,各有所不同,但其年金財務問題備受關切。在此,我國也積極規劃國民年金制度,以因應老年人口急遽增加的問題。 影響國民年金制度的因素包括制度的規劃與年金財務的管理。本研究以經建會所規劃的國民年金制度為藍本,探討國民年金實施之可行性,建構一財務分析模型並進行模擬分析,以歸納出結論。 本研究獲致之結論如下: 1.人民的意願及年金財務的穩健性將是實施國民年金制度的關鍵因素。 2.從整個保險體系來看,在理想狀態下,年金收入的現值應等於年金給付的現值,換而言之,在整個保險體系中,淨現金流量應為0,在此假設下,本研究所模擬出的年金保費低於經建會所規劃之保費,但保費逐年攀升。因此,長期而言,在財務穩定的要求下,人民是否可以接受不斷提高的保費將是一個重要的因素。 |
英文摘要 | Although there have been many modifications for the citizen annuity systems around the world, some financial problems are still unable to be solved. Factors influencing the citizen annuity system include system design and financial administration. By reference to citizen annuity system designed by Council for Economic Planning and Development, this thesis focuses on the discussion about the technique of operation and the creation of a financial analysis model followed by a simulation. Based on the simulation result, the practicability is discussed. The conclusions acquired by this research include two aspects: 1. The aspiration of citizen and a healthy finance will be the key factors for the implementation of citizen annuity. 2. According to the consideration of total insurance system, the premium of citizen annuity must be equal to the payment of insurance holder. In the other words, net cash flow in the insurance system must be zero. This research found: the premium is less than that designed by Council for economic Planning and Development. But it will grow up. Whether the premium can be accepted by people for a long time under the healthy finance will be key point. |
本系統中英文摘要資訊取自各篇刊載內容。