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題名 | 比較臺灣地區與日本、瑞典的死亡率下降趨勢對年金訂價的影響=A Comparison of the Impact of Mortality Improvement Trends on Annuity Pricing among Taiwan, Japan, and Sweden |
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作者 | 林麗芬; 林作民; 吳蕙菁; | 書刊名 | 人口學刊 |
卷期 | 27 2003.12[民92.12] |
頁次 | 頁37-66 |
分類號 | 516.2 |
關鍵詞 | 存活函數曲線; 死亡率改善幅度; 平均壽命; 世代生命表; 年金訂價; Survival function curve; Mortality improvement; Mean life expectancy; Cohort life table; Annuity pricing; |
語文 | 中文(Chinese) |
中文摘要 | 隨著醫療科技與經濟的進步,產生死亡率的下降,使得老年人口不斷增加,本文將研究人口老化的趨勢,利用台灣地區的生命表中各年齡死亡率改變情形,分析對出生平均壽命改變影響的貢獻度。分析中可見0-1 歲的貢獻度最大,而50-89 歲的貢獻度超過50% 以上。由於台灣地區人口的老化相當快速,本文將比較台灣地區與平均壽命相當長的日本與瑞典兩國各年齡死亡率改變情形對出生平均壽命改變貢獻度的差異,並依各國的死亡率預測模型來計算世代生命表的終身年金值,分析並比較死亡率下降趨勢對年金訂價的影響。 |
英文摘要 | The elderly population has been increasing rapidly in recent years due to the improvement in medical care, fertility decline and economic development. In this paper, the trends of aging were discussed. We used Taiwan complete life tables to analyze the contribution of the increment of life expectancy of each age between two consecutive life tables. The results showed that ages 0 to 1 had the largest contribution, and more than 50% of the increment of mean life expectancy was contributed by ages 50 to 89. The aging trend is significant in Taiwan. Therefore, in this paper, we compared the mortality improvement trends between Taiwan and two supper-aged countries, Japan and Sweden. We also compared the differences in the contribution of improvement in mortality of different age groups on life expectancy at age 0 between two consecutive life tables. Finally, we used the estimated mortality improvement models to evaluate the annuity pricing under cohort life table consideration. |
本系統之摘要資訊系依該期刊論文摘要之資訊為主。