摘要
住房反向抵押贷款可以看成是一种人寿保险业务,在产品设计时需要考虑借款人的预期寿命,进行产品精算和定价,寿险公司应根据生命表进行相关测算,估计给付的养老金额。假设住房的抵押权没有提前赎回,可以通过保险精算的方法来对住房反向抵押贷款进行定价,其定价模型主要包括趸领精算模型和年金精算模型两种。
Housing reverse mortgage can be seen as a sort of life insurance, so in the process of product design, Actuarial and pricing of products should take borrower＇s life expectancy into account. Life Insurance Company should measure and estimate the amount of pension payment according to the life table. Assuming housing mortgage right not to be redeemed ahead of time, housing reverse mortgage can be priced by actuarial and the pricing model consists of wholesale leading actuarial model and pension actuarial model.
出处
《福建金融管理干部学院学报》
2008年第6期47-51,共5页
Journal of Fujian Institute of Financial Administrators
关键词
住房反向抵押贷款产品定价
趸领精算模型
年金精算模型
Pricing of Housing Reverse Mortgage Products
Wholesale Leading Actuarial Model： Pension Actuarial Model
