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1995年6月我国颁布的新保险法第119条规定的“经营人身保险的保险公司,必须聘请经金融监管部门认可的精算专业人员,建立精算报告制度”,首次从法律上提出和肯定了精算在保险经营中的重要地位。但关于精算科学及其应用,精算师的职业以及我国的精算学教育发展状况等,很多人仍然非常陌生。本文试图对上述问题作出回答。 一、精算科学及其应用 精算科学是以概率论和数理统计为基础的,与经济学、金融学及保险理论相结合的应用与交叉性的学科。它广泛应用于社会经济各个领域中对风险的评价,以及相应经济安全方案的制定。 精算科学是适应寿险业发展的需要而产生和发
In June 1995, as stipulated in Article 119 of the New Insurance Law promulgated by the People’s Republic of China, “insurance companies that run life insurance must employ actuarial professionals recognized by the financial regulatory authorities to establish a system of actuarial reporting”. For the first time, the law argues and affirmed that actuaries Insurance business in an important position. However, many people are still very strange about the science of actuarial science and its application, the profession of actuaries and the development of actuarial education in our country. This article attempts to answer the above questions. First, the actuarial science and its application Actuarial science is based on the probability theory and mathematical statistics, and economics, finance and insurance theory combined with the application and interdisciplinary. It is widely used in various fields of socio-economic risk assessment, and the corresponding economic security program development. Actuarial science is to adapt to the needs of the development of the life insurance industry and hair