Managing Risk with Insurance and Superannuation as Individuals Age

随着个人年龄的增长，通过保险和养老金管理风险

• 批准号: LP0883398
• 负责人: Em/Prof Michael Sherris
• 金额: $ 91.62万
• 依托单位: The University of New South Wales
• 依托单位国家: 澳大利亚
• 项目类别: Linkage Projects
• 财政年份: 2009
• 资助国家: 澳大利亚
• 起止时间: 2009-06-30 至 2015-03-31
• 项目状态: 已结题
• 来源: https://dataportal.arc.gov.au/RGS/Web/Grants/LP0883398
• 关键词: Managing; Risk; Insurance; Superannuation; Individuals

Financial stability lies at the heart of any market economy. The financial risks associated with uncertainty about longevity change comprise one of the most pressing challenges facing financial systems, nationally and globally. While insurance companies and superannuation funds hold significant reserves against future risks, the ageing of the population increases the number of people potentially exposed to loss in the event that insurers and pension funds cannot deliver on their obligations. With an increasing range of financial service products and markets developing to meet the needs of the aged, research into the issues of longevity risk and the financial impact of uncertainty in mortality and morbidity trends is vital.

金融稳定是任何市场经济的核心。与寿命变化的不确定性相关的金融风险是国家和全球金融体系面临的最紧迫挑战之一。虽然保险公司和养老基金持有大量储备金，以应对未来风险，但人口老龄化增加了在保险公司和养老基金无法履行其义务时可能遭受损失的人数。随着越来越多的金融服务产品和市场的发展，以满足老年人的需要，研究长寿风险问题和死亡率和发病率趋势的不确定性对金融的影响至关重要。