权益指数年金(Equity-Indexed Annuities)是一类新型年金产品,有最小收益保证,在最小保证基础上年金实际支付给保户的收益率与预先规定好的某类股票指数或债券指数收益相关联。本文研究了用随机模拟法提留权益指数年金准备金的问题,并分析了各参数对准备金的影响。 Equity-Indexed Annuities is a new type of annuity product with a minimum yield guarantee, on the basis of the minimum guarantee, the rate of return actually paid to the policyholders by the annuity is related to the pre-specified return on the stock index or bond index . This paper studies the issue of using random simulation to reserve the equity index annuity reserve, and analyzes the impact of various parameters on the reserve fund.