保险精算实验指导书（修改）( 1) - 图文(4)

（2）中国人寿保险业经验生命表（2000—2003）换算表（CL1）i= 2.5%

年龄x Dx 0 1000000 1 974905.3659 2 950553.6565 3 926906.6636 4 903922.9956 5 881560.3816 6 859781.1099 7 838551.6463 8 817847.1926 9 797651.5533 10 777953.84 11 758742.5546 12 740005.6848 13 721730.7932 14 703902.2822 15 686503.1913 16 669515.4187 17 652921.8873 18 636707.1296 19 620859.0232 20 605369.6506 21 590237.7717 22 575461.0971 23 561036.9542 24 546961.2212 25

533226.8916

Nx 34417466.98 33417466.98 32442561.61 31492007.96 30565101.29 29661178.3 28779617.92 27919836.81 27081285.16 26263437.97 25465786.42 24687832.58 23929090.02 23189084.34 22467353.54 21763451.26 21076948.07 20407432.65 19754510.76 19117803.63 18496944.61 17891574.96 17301337.19 16725876.09 16164839.14 15617877.92

Sx 949358027.3 914940560.3 881523093.3 849080531.7 817588523.7 787023422.4 757362244.1 728582626.2 700662789.4 673581504.2 647318066.3 621852279.9 597164447.3 573235357.3 550046272.9 527578919.4 505815468.1 484738520 464331087.4 444576576.6 425458773 406961828.4 389070253.4 371768916.2 355043040.1 338878201

16

Cx 713.1407688 580.6545589 468.5060999 380.8617883 319.6336755 281.2500795 262.4124559 255.1047821 251.229494 245.8135827 239.7433062 233.8229329 228.7796867 228.1199569 233.6090794 246.8209454 267.1652785 293.4341739 322.6228663 350.7737562 371.3216844 385.359904 393.3327705 396.773408 398.7043424 399.7531427

Mx 162544.0671 161830.9263 161250.2718 160781.7657 160400.9039 160081.2702 159800.0201 159537.6077 159282.5029 159031.2734 158785.4598 158545.7165 158311.8936 158083.1139 157854.9939 157621.3849 157374.5639 157107.3986 156813.9645 156491.3416 156140.5678 155769.2461 155383.8862 154990.5535 154593.7801 154195.0757

Rx 11402304.01 11239759.95 11077929.02 10916678.75 10755896.98 10595496.08 10435414.81 10275614.79 10116077.18 9956794.679 9797763.406 9638977.946 9480432.229 9322120.336 9164037.222 9006182.228 8848560.843 8691186.279 8534078.881 8377264.916 8220773.575 8064633.007 7908863.761 7753479.874 7598489.321 7443895.541

26 519826.5096 27 506752.7461 28 493999.8807 29 481558.3129 30 469417.4057 31 457564.7307 32 445988.5662 33 434678.2962 34 423628.9859 35 412833.2662 36 402283.2617 37 391971.0737 38 381888.048 39 372025.2769 40 362374.7598 41 352930.0361 42 343686.7124 43 334640.8781 44 325789.0556 45 317126.2451 46 308644.8971 47 300335.5742 48 292188.4224 49 284194.7172 50 276348.4477 51 268645.7402 52 261085.1318 53 253664.7102 54 246380.4497 15084651.02 14564824.51 14058071.77 13564071.89 13082513.58 12613096.17 12155531.44 11709542.87 11274864.58 10851235.59 10438402.32 10036119.06 9644147.989 9262259.941 8890234.664 8527859.904 8174929.868 7831243.156 7496602.278 7170813.222 6853686.977 6545042.08 6244706.506 5952518.083 5668323.366 5391974.918 5123329.178 4862244.046 4608579.336

323260323.1 308175672.1 293610847.6 279552775.8 265988703.9 252906190.3 240293094.2 228137562.7 216428019.8 205153155.3 194301919.7 183863517.4 173827398.3 164183250.3 154920990.4 146030755.7 137502895.8 129327965.9 121496722.8 114000120.5 106829307.3 99975620.29 93430578.21 87185871.71 81233353.62 75565030.26 70173055.34 65049726.16 60187482.11 17

399.9760143 397.925075 397.6697168 400.4967933 408.4822265 421.2176115 437.87301 452.9585721 469.0610248 486.8745568 506.6175319 529.2496755 555.2415319 583.8945386 613.8469921 643.1659709 671.4707458 698.4198202 725.6398155 755.8360024 791.1057307 832.1041913 877.9307901 926.0541528 974.4584205 1020.798944 1065.566407 1110.948197 1162.760999 153795.3226 153395.3466 152997.4215 152599.7518 152199.255 151790.7728 151369.5551 150931.6821 150478.7236 150009.6625 149522.788 149016.1704 148486.9208 147931.6792 147347.7847 146733.9377 146090.7717 145419.301 144720.8812 143995.2414 143239.4054 142448.2996 141616.1954 140738.2646 139812.2105 138837.7521 137816.9531 136751.3867 135640.4385 7289700.465 7135905.143 6982509.796 6829512.375 6676912.623 6524713.368 6372922.595 6221553.04 6070621.358 5920142.634 5770132.972 5620610.184 5471594.013 5323107.092 5175175.413 5027827.629 4881093.691 4735002.919 4589583.618 4444862.737 4300867.496 4157628.09 4015179.791 3873563.595 3732825.331 3593013.12 3454175.368 3316358.415 3179607.028

55 239222.677 56 232173.6599 57 225209.8091 58 218304.7665 59 211434.0234 60 204579.6417 61 197731.1137 62 190884.7944 63 184041.4349 64 177202.0961 65 170366.0714 66 163529.1563 67 156684.0651 68 149822.6788 69 142937.7055 70 136024.9592 71 129083.1742 72 122113.9422 73 115122.5913 74 108117.4097 75 101110.3468 76 94116.27283 77 87153.59687 78 80244.05971 79 73412.98077 80 66689.71256 81 60106.1692 82 53701.25581 83 47515.34266 4362198.886 4122976.209 3890802.549 3665592.74 3447287.974 3235853.95 3031274.309 2833543.195 2642658.401 2458616.966 2281414.87 2111048.798 1947519.642 1790835.577 1641012.898 1498075.192 1362050.233 1232967.059 1110853.117 995730.5256 887613.1158 786502.769 692386.4962 605232.8993 524988.8396 451575.8589 384886.1463 324779.9771 271078.7213

55578902.78 51216703.89 47093727.68 43202925.13 39537332.39 36090044.42 32854190.47 29822916.16 26989372.96 24346714.56 21888097.6 19606682.73 17495633.93 15548114.29 13757278.71 12116265.81 10618190.62 9256140.388 8023173.328 6912320.212 5916589.686 5028976.57 4242473.801 3550087.305 2944854.406 2419865.566 1968289.707 1583403.561 1258623.584 18

1229.402917 1317.241625 1429.662974 1565.445334 1718.541419 1881.872015 2048.748119 2214.809464 2379.723508 2545.253611 2714.958708 2892.061931 3077.586959 3270.896853 3469.027204 3669.124674 3868.3279 4062.814349 4249.456063 4424.341415 4584.218145 4725.136434 4843.268534 4934.454504 4993.985928 5018.544572 5000.264525 4936.70174 4824.641493 134477.6775 133248.2746 131931.033 130501.37 128935.9247 127217.3833 125335.5112 123286.7631 121071.9537 118692.2301 116146.9765 113432.0178 110539.9559 107462.3689 104191.4721 100722.4449 97053.3202 93184.9923 89122.17796 84872.72189 80448.38048 75864.16233 71139.0259 66295.75736 61361.30286 56367.31693 51348.77236 46348.50784 41411.8061 3043966.59 2909488.912 2776240.637 2644309.604 2513808.234 2384872.31 2257654.927 2132319.415 2009032.652 1887960.699 1769268.468 1653121.492 1539689.474 1429149.518 1321687.149 1217495.677 1116773.232 1019719.912 926534.9197 837412.7418 752540.0199 672091.6394 596227.4771 525088.4512 458792.6938 397431.391 341064.074 289715.3017 243366.7938

84 41590.99067 85 35971.5812 86 30699.69154 87 25815.29574 88 21353.48077 89 17342.29711 90 13800.5263 91 10735.85352 92 8143.537672 93 6005.88684 94 4292.697365 95 2962.823909 96 1966.725402 97 1249.866465 98 756.5386838 99 433.6295214 233.8071152 117.6996423 54.84263636 23.41823377 9.057967197 3.130345093 223563.3786 181972.388 146000.8068 115301.1152 89485.8195 68132.33873 50790.04162 36989.51532 26253.6618 18110.12413 12104.23729 7811.539921 4848.716011 2881.99061 1632.124145 875.5854613 441.9559399 208.1488247 90.44918241 35.60654605 12.18831229 3.130345093

987544.8623 763981.4837 582009.0957 436008.2889 320707.1737 231221.3542 163089.0154 112298.9738 75309.45851 49055.79671 30945.67258 18841.4353 11029.89538 6181.179367 3299.188757 1667.064612 791.4791505 349.5232106 141.3743858 50.92520344 15.31865738 3.130345093 19

4662.202164 4449.126597 4186.999004 3879.78008 3533.727311 3157.532147 2761.965 2359.41676 1963.116189 1586.167343 1240.39365 935.3111551 677.1995362 468.5930587 308.2392189 191.5970495 111.7764019 60.73148276 30.46054043 13.96038975 5.777589427 3.091934496 36587.1646 31924.96244 27475.83584 23288.83684 19409.05676 15875.32945 12717.7973 9955.8323 7596.41554 5633.299351 4047.132008 2806.738357 1871.427202 1194.227666 725.6346072 417.3953882 225.7983387 114.0219369 53.2904541 22.82991367 8.869523923 3.091934496 201954.9877 165367.8231 133442.8607 105967.0249 82678.18802 63269.13127 47393.80182 34676.00452 24720.17222 17123.75668 11490.45733 7443.325322 4636.586965 2765.159763 1570.932097 845.29749 427.9021018 202.1037631 88.0818262 34.79137209 11.96145842 3.091934496

100 101 102 103 104 105

（3）中国人寿保险业经验生命表（2000—2003）换算表（CL2） 2.5%

年龄x 0 1 2 3 4 5 6 7 Dx 1000000 974964.9 950675.4 927095 904181.7 881892.9 860190.6 839041.7 Nx 35146646 34146646 33171681 32221005 31293910 30389729 29507836 28647645 Sx 998773213 963626567 929479922 896308241 864087236 832793326 802403597 772895761 Cx 652.8893 516.1689 398.1403 304.9345 238.4542 195.1201 170.7768 156.6331 Mx 144538.3 143885.4 143369.2 142971.1 142666.2 142427.7 142232.6 142061.8 Rx 10920320 10775782 10631896 10488527 10345556 10202890 10060462 9918230 8 818422.6 9 798316.5 10 778709.1 11 759587.8 12 740939 13 722748 14 705000.9 15 687682.6 16 670781 17 654284.4 18 638182 19 622464 20 607121.7 21 592146.2 22 577530.3 23 563266.7 24 549348.2 25 535768.3 26 522519.4 27 509594.1 28 496985 29 484683 30 472679 31 460963 32 449525.7 33 438357.8 34 427454 35 416808.1 36 406413.1 37 396262.3 38 386347.6 39 376661 40 367194.5 41 357941.9 42 348898.4 43 340059.9 44 331423 45

322982.9

27808603 26990181 26191864 25413155 24653567 23912628 23189880 22484880 21797197 21126416 20472132 19833950 19211486 18604364 18012218 17434687 16871421 16322073 15786304 15263785 14754191 14257206 13772523 13299844 12838881 12389355 11950997 11523543 11106735 10700322 10304060 9917712 9541051 9173857 8815915 8467016 8126956 7795533

744248116 716439513 689449332 663257468 637844312 613190745 589278116 566088236 543603356 521806159 500679743 480207612 460373662 441162177 422557813 404545595 387110907 370239487 353917414 338131110 322867325 308113134 293855929 280083406 266783562 253944682 241555327 229604330 218080787 206974052 196273730 185969670 176051958 166510907 157337050 148521135 140054119 131927163

20

146.3168 137.9911 129.987 123.7941 120.7548 120.6457 124.6467 130.4149 137.8105 146.0539 154.4361 162.3141 169.7072 175.4641 179.6898 182.4845 183.4013 183.6304 183.2183 182.2095 182.6099 184.792 189.5529 196.6925 206.4646 214.7575 222.9263 231.7835 241.2572 252.8444 266.7433 283.1219 300.3064 317.1342 332.9003 346.9715 361.074 376.7623

141905.2 141758.9 141620.9 141490.9 141367.1 141246.3 141125.7 141001 140870.6 140732.8 140586.8 140432.3 140270 140100.3 139924.8 139745.1 139562.7 139379.3 139195.6 139012.4 138830.2 138647.6 138462.8 138273.2 138076.5 137870.1 137655.3 137432.4 137200.6 136959.4 136706.5 136439.8 136156.7 135856.3 135539.2 135206.3 134859.3 134498.3

9776168 9634263 9492504 9350883 9209392 9068025 8926779 8785653 8644652 8503781 8363049 8222462 8082029 7941759 7801659 7661734 7521989 7382427 7243047 7103852 6964839 6826009 6687361 6548899 6410625 6272549 6134679 5997023 5859591 5722390 5585431 5448725 5312285 5176128 5040272 4904733 4769526 4634667

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