اسناد مشابه

  • The individual life-cycle, annuity market imperfections and economic growth

    سند علمی۲۰۱۵Ben J. Heijdra, Jochen O. Mierau

    We study the effects of an annuity market imperfection on individual agents’ life-cycle decisions and on the macroeconomic growth rate in an overlapping generations model with single-sector endogenous growth. Our model features both age-dependent mortality and labour productivity

  • On age difference in joint lifetime modelling with life insurance annuity applications

    مقاله‌ی دسترسی آزاد۲۰۱۸Annals of Actuarial ScienceFrançoisDufresne, EnkelejdHashorva, GildasRatovomirija, YoussoufToukourou

    Abstract Insurance and annuity products covering several lives require the modelling of the joint distribution of future lifetimes. In the interest of simplifying calculations, it is common in practice to assume that the future lifetimes among a group of people are independent. H

  • Asset Allocation to Optimise Life Insurance Annuity Firm Economic Capital and Risk Adjusted Performance

    مقاله‌ی دسترسی آزاد۲۰۰۸Annals of Actuarial ScienceBruce T.Porteous, PradipTapadar

    ABSTRACT The impact that asset allocation has on the economic capital and the risk adjusted performance of financial services firms is considered in this article. A stochastic modelling approach is used in conjunction with a life insurance annuity firm illustrative example. It is

  • Analyzing the Data of Software Security Life-Span: Quantum Computing Era

    مقاله‌ی دسترسی آزاد۲۰۲۲Intelligent Automation and Soft Computing['Hashem Alyami', 'Mohd Nadeem', 'Wael Alosaimi', 'Abdullah G. Alharbi', 'Rajeev Kumar', 'Bineet Kumar Gupta', 'Alka Agrawal', 'Raees Ahmad Khan', '']

    Software or web application security is the main objective in the era of Information Technology (IT) and Artificial Intelligence (AI). Distinguishing proof of security at the initial stage produces significant results to comprehend the administration of security relics for best p

  • An Empirical Study of the Demand for Individual Life Insurance in Japan

    مقاله‌ی دسترسی آزاد۲۰۱۴Hokengakuzasshi (JOURNAL of INSURANCE SCIENCE)KoubunFukuchi

    若年層の生保離れ等の実証に向け，2011年度までの約55年間を推定期間とする個人保険需要（かんぽ生命を除く）の時系列回帰分析をした。例えば，被説明変数の１つとした保有契約高増減率は，実質民間最終消費支出，消費者物価指数，雇用者数の各増減率および実質一般勘定利回り（率の階差）を説明変数とするモデル等が，高い説明力を示した。一方，同じく被説明変数である新契約件数増減率のモデルは，1995年度を境に変化し，20代を中心とした若年層の生保離れの一端を実証できた。この問題の解決には，小口の一時払終身保険を用いた資産・信用形成等，新たな提案が求められよう。

  • An Empirical Study of the Demand for Modern Individual Life Insurance in Japan

    مقاله‌ی دسترسی آزاد۲۰۱۶Hokengakuzasshi (JOURNAL of INSURANCE SCIENCE)KoubunFukuchi

    保険業法制定後，1902-39年度の個人保険市場の保有契約増減率（年平均）は件数＋8.6％，金額＋13.7％（実質＋10.8％）で，生産国民所得増減率（年平均）＋8.1％（実質＋4.6％）を上回る高成長を遂げた。この発展の基底には生保の約束（契約）の履行に対する国民の信頼があった。それは生保産業の支払能力向上に向けた各社の経営努力と政府の監督強化ならびに保険金等の給付実績の積み重ねにより醸成された。1918年には有配当養老保険が同市場の典型となり，平時は貯蓄，スペイン風邪等の危機の際には保障が国民に意識された。実質所得，名目金利および総人口を用いた回帰モ