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来源：百度知道 编辑：UC知道 时间：2024/05/09 14:33:59
(4) Process of actuarial valuations
Actuarial valuations normally follow the following process.
First, what are going to be produced should roughly be sorted out. The basic targeted products are normally the size of annual expenditures in the future years and the size of the annual total salary of the active participants in the future years. These may be the principal outputs and based on them, income and expenditures of the social insurance fund are projected for future years for a given contribution programme. The potential fiscal subsidies may be derived from these results. Benefit level of beneficiaries for future years may also be required.
Second, the data on the active participants, the terminated participants and the beneficiaries should be collected. The active participants are grouped by age and sex with the average amount of the current salary, the average number of covered months, etc. The terminated participants are grouped by age and se
Actuarial valuations normally follow the following process.
First, what are going to be produced should roughly be sorted out. The basic targeted products are normally the size of annual expenditures in the future years and the size of the annual total salary of the active participants in the future years. These may be the principal outputs and based on them, income and expenditures of the social insurance fund are projected for future years for a given contribution programme. The potential fiscal subsidies may be derived from these results. Benefit level of beneficiaries for future years may also be required.
Second, the data on the active participants, the terminated participants and the beneficiaries should be collected. The active participants are grouped by age and sex with the average amount of the current salary, the average number of covered months, etc. The terminated participants are grouped by age and se
（ 4 ）的过程中精算估值
精算估值通常采用下列的过程。
首先，什么是将会产生应大致整理出来。基本法有针对性的产品，通常大小的年度支出，在未来数年内和规模的年度薪酬总额的积极参与者，在未来的几年。这些可能是主要的产出和基础上，收入和支出社会保险基金的预测，今后几年的某一特定方案的贡献。潜在的财政补贴可能来自这些结果。有利于水平的受益人为未来几年可能还需要。
第二，数据对积极参与者，终止参与者和受益者，应收集。积极参加分组按年龄和性别与平均金额目前的薪金，平均数目涵盖个月，终止等参加分组按年龄和性别与平均人数涵盖个月，等受益者都是分组按年龄和性别与平均金额的好处。他们形成了初步的数据进行精算估值。在这个过程中我们要小心，在处理不规则数据。不少，他们往往被排除在从最初的数据，但有时却显示，一个新的趋势，应反映在估价。
第三，精算假设决定。精算假设，通常可分为两类。一个是所谓的人口假设。另一种是所谓的经济假设。前者包括死亡率按年龄和性别，撤销利率从计划按年龄和性别，残疾率按年龄和性别，薪级表按年龄和性别等，后者包括物价上涨率，工资上升率和投资率返回的储备基金。这些精算假设产生，通过使用相关的统计资料。它应进行清理整顿，事前什么样的统计是必要的。此外，在设置的精算假设，要注意不规则数据。原因的违规行为，应查明并如果他们的判断，以显示一个新的趋势，他们应反映在假设。如果他们判断是暂时的违规行为，他们已被排除在数据上，假设所依据的。如何设定假设，是我国的一项基本的培训，精算学。举例来说，如何设置的死亡率是解释，在教科书中对保险数学或退休金数学。其他的假设，通常是源自运用类似的方法。