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分红险学习笔记8—保单分红从哪里来—什么是精算定价

  • 2026-01-16 12:34:24
分红险学习笔记8—保单分红从哪里来—什么是精算定价
在探讨分红从哪里来之前，先来记录下什么是精算定价。
精算定价，就是对某个既定的保险产品形态搭建精算模型，运用精算师设定好的精算假设，计算该保险产品保费水平的过程。
精算假设就是搭建的精算模型中需要套用的几个未知数，把未知数的数值假设好，代入到精算模型中，就可以算出保费水平。
那这里面有多少个需要设定的精算假设呢？
在中国内地，传统保险产品采用“三元素法”进行定价：
1、预定利率：将未来保险责任金额折算为“现值”，代表保险公司对未来投资收益率的预期
2、预定发生率：死亡、重疾、意外等风险的发生概率
3、预定附加费用率：销售费用&管理费用

本文为个人分红险学习笔记，仅用于知识梳理与交流，不构成任何保险购买建议、投资引导或法律意见。分红险的收益具有不确定性，具体产品条款及责任请以保险公司官方说明为准。

本文来自网友投稿或网络内容，如有侵犯您的权益请联系我们删除，联系邮箱：wyl860211@qq.com 。

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  1. CONNECT:[ UseTime:0.000538s ] mysql:host=127.0.0.1;port=3306;dbname=no_67808;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.000648s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.002395s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000263s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.000533s ]
  6. SELECT * FROM `set` [ RunTime:0.001329s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.000554s ]
  8. SELECT * FROM `article` WHERE `id` = 460637 LIMIT 1 [ RunTime:0.002057s ]
  9. UPDATE `article` SET `lasttime` = 1768550653 WHERE `id` = 460637 [ RunTime:0.008174s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 65 LIMIT 1 [ RunTime:0.000279s ]
  11. SELECT * FROM `article` WHERE `id` < 460637 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.003514s ]
  12. SELECT * FROM `article` WHERE `id` > 460637 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.000554s ]
  13. SELECT * FROM `article` WHERE `id` < 460637 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.005160s ]
  14. SELECT * FROM `article` WHERE `id` < 460637 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.000853s ]
  15. SELECT * FROM `article` WHERE `id` < 460637 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.002500s ]
0.100176s