CN101783006A - Method and insurance platform for self-interest-rate investment-oriented whole-life insurance - Google Patents

Method and insurance platform for self-interest-rate investment-oriented whole-life insurance Download PDF

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CN101783006A
CN101783006A CN200910003687A CN200910003687A CN101783006A CN 101783006 A CN101783006 A CN 101783006A CN 200910003687 A CN200910003687 A CN 200910003687A CN 200910003687 A CN200910003687 A CN 200910003687A CN 101783006 A CN101783006 A CN 101783006A
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proposer
insurance
investment
interest rate
amount
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简永松
凌宝
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QIAOMEI INTERNATIONAL NETWORK CO Ltd
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QIAOMEI INTERNATIONAL NETWORK CO Ltd
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Abstract

The invention relates to a method and an insurance platform for self-interest-rate investment-oriented whole-life insurance, belonging to the method and the insurance platform for whole-life insurance implemented in the field of insurance of financial e-commerce. The invention reflects the interaction of a consumer and a platform provider in the era of Internet technology, creates the insurance platform for consumers to expand credit with each other on the platform according to self-risk preferences of the consumers, and increases investment opportunities. Moreover, the invention provides the insurance platform to substitute the whole-life insurance storage block, thereby generating information symmetry between insurance companies and the consumers, and breaking the closure of traditional insurance products so that the insurance products can compete on the active market of financial products.

Description

The method and the insurance platform of autonomous interest rate investment-orientation whole-life insurance
Technical field
The present invention relates to a kind of life-insurance field, particularly relate to exploit information science and technology, create the method and the insurance platform of the whole-life insurance of the autonomous interest rate investment of a kind of combination.
Background technology
Whole-life insurance can be considered a kind of insurance against death, insurant's lifelong insurance against death just, in other words, whole-life insurance be insured during up to the dead regular insurance against death that just expires of insurant.Therefore, whole-life insurance relatively is applicable to the insurant of burden family livehood heavy responsibility, and the group that lays in retired pension.
Yet whole-life insurance is only just being protected several years ago, and it ensures to be worth and is higher than surrender value; That is to say that if the client is not in danger, its savings interests are low-down so in insurance period, and be covert that the insurer does not know also to determine the result that makes a profit to make a profit by the information that insurance company controls investment.Such insured goods structure is very inequitable to the consumer, and insurance company earns the money of information asymmetry in a large number, even to the stage of utilizing consumer's ignorant to make a good deal of money.
All things considered, whole-life insurance are under the profit risk concerning insurance company, earn the interests of fund operation, and this is huge interests; With regard to the customer, whole-life insurance lacks the interests of savings fully; Therefore, how to reflect the characteristic of network technology information efficiency, set up insurance platform, the interests that increase client's savings become insurance problem anxious to be solved.
Secondly, network technology prosperity in recent years, what information was a large amount of tilts to the consumer; Traditional whole-life insurance commodity can not satisfy the consumer; The consumer looks forward to that on insurance platform the autonomous space of consumer is arranged; Therefore, how to allow the autonomous idea of consumer inject insurance platform, be the essential condition that today, insurance was won.
Especially, the age of Internet economy, the investment commodity are prosperous without obstacle, and the deciding to deposit of whole banking industry flows to diversiform financial products such as stock, fund, bond in a large number; With the variation of American I RA investment target allocation proportion, nineteen ninety cash in banks account for 42% of investment target allocation proportion, by 2000, the time in 10 years dropped to surplus 9%; On life insurance market, according to the experience of other industrial countries, in people's financing fund, 25% is savings, and 25% makes an investment in common fund, and remaining fund less than 10% just belongs to life insurance market; It seems with this how life insurance commodity strengthen the pluralistic function of savings, become to life insurance and compete for the main key of winning in the financial market.
Patent announcement number is 6; 456; 979 United States Patent (USP) " Method of Evaluating aPermanent Life Insurance Policy " and publication number are the patent " Method and Computer Program for Evaluating the Sustainability ofa Permanent Life Insurance Policy " of US2007005399; the former proposes to set up a basic actuarial cost framework; again according to the indivedual insureds' of every factor adjustment such as the insured's sex and lifestyle premium; the latter is with the every problem of a system interrogation proposer; assist the optimal insured goods of personal choice; yet they and unresolved whole-life insurance commodity lack the problem of savings interests.
Patent publication No. is that JP2004062632's " System; Method and Program forProcessing Whole-life Insurance Change " and patent publication No. is that the Jap.P. " Processing System for Shifting Insurance Contract toWhole-life Insurance; Insurance Contract Processing System; Processing Method for Shifting Insurance Contract to Whole-lifeInsurance; and Its Program " of JP2003281372 proposes a system; the convenient insured is converted to the whole-life insurance declaration form with insurance contract; and the relevant credit requirement of calculating declaration form; yet the root problem that whole-life insurance lacks the savings interests does not achieve a solution.
Traditional whole-life insurance commodity are industrial economy products of the time, lack the symmetry of information, more do not have the autonomous space of consumer; The banking and insurance business commodity in reflection network technology epoch, not only insurance expectation, more the popular institute of consumption cranes one and looks forward to.
Summary of the invention
In sum, in order to solve the root problem of life insurance insurance under a life policy information asymmetry, and the easy credit chance that the various risk partialities of proposer are provided, and make the life insurance insurance under a life policy more press close to active financial market, special goal of the invention with the present invention's " method and system of autonomous interest rate investment-orientation whole-life insurance " is illustrated in down:
1. construction independence interest rate of the present invention is deposited the insurance platform of borrowing, and allows competitive bidding savings mechanism replace the savings of traditional whole-life insurance, and changing static savings is dynamically, makes insurance company be earned service charge, exempts the profit risk.
2. the insurance platform of the invention allows the policy holder that fund raised is arranged, easy credit, and the chance of capital participation can attract various difference preferences' investment group to participate in.
3. the insurance platform of the invention reflects the interactive of network technology epoch information, and it is fair more that insurance is become, reasonably financial products.
4. the present invention is an opening insured goods, can satisfy the investment group of all types of risk partialities in market, is different from the traditional insurance commodity, only is suitable for specific investment group.
5. the present invention's running of depositing the insurance platform of borrowing via the independence interest rate, the reflection market rate can become the financial products of a tool market competitiveness.
The method of of the present invention one autonomous interest rate investment-orientation whole-life insurance, carry out a whole-life insurance declaration form by insurance company, this declaration form is at the outer pipeline that savings and investment are provided of insurance money, the proposer can participate in the independence interest rate of being carried out by financial institution and deposit by means of platform and save, obtain the savings remuneration of sane and dear money, if the proposer wishes to pursue other investment waies, also can carry out competitive bidding, will get the standard gold volume and transfer to financial institution and carry out management of investment.Under this framework, the proposer not only has savings and invests two kinds of selections, also can obtain higher remuneration, when the beneficiary is taken place in incident is unfortunate, obtains higher guarantee.
For achieving the above object, the invention provides a kind of method of autonomous interest rate investment-orientation whole-life insurance, it deposits debit's formula to set up an autonomous interest rate investment-orientation whole-life insurance contract with a whole-life insurance in conjunction with the independence interest rate of an insurance platform, and the method includes the steps of:
By a declaration form of this insurance platform handle and authorize module receive a proposer autonomous interest rate investment-orientation whole-life insurance application and indicate this proposer to fill in a request for data;
Handle and authorize module and examine this application data that this proposer fills in by this declaration form, and analyze and provide a policy condition of autonomous interest rate investment-orientation whole-life insurance and insurance scale combination to select for this proposer according to this application data of this proposer;
In each time of the meeting of a competitive bidding issue of this insurance scale combination, by an independence interest rate of this insurance platform deposit by means of the competitive bidding module receive the bid amount of money imported of this proposer of target;
Deposit by means of the competitive bidding module according to this bid amount of money of being imported by this independence interest rate, this proposer's who calculate to submit a tender average deposit rate and an interest rate on borrowings, and according to the balance of funding of this insurance platform and this proposer's the height of this interest rate on borrowings that bid arranged to determine that one must standard gold volume and successful tenderer's number;
By this independence interest rate deposit by means of the competitive bidding module according to be somebody's turn to do the standard gold volume settle accounts this proposer of target one must mark total charge, and according to this proposer's of target this average interest rate on borrowings and a deposit standard gold or this proposer's of losing a bid the highest bid amount of money or benchmark interest rate are settled accounts this proposer's who loses a bid a amount deposited and are got this proposer's of target the refund amount of money; And
Appropriate operational module by incident identification of this insurance platform and fund and judge that an insurant is before autonomous interest rate investment-orientation whole-life insurance is paid the fees expiration or pay the fees and whether be in danger after expiring, and calculate the remaining sum of a settlement of insurance claim amount of money and an investment in capital a/c or a savings account, this remaining sum for this investment in capital a/c through being somebody's turn to do of investment a Net asset value of mark total charge is deducted the present worth of this amount deposited of the total refund amount of money in the residue time of the meeting or this savings account again.
An autonomous interest rate investment-orientation whole-life insurance of construction of the present invention insurance platform, a proposer can link this insurance platform by user's terminating machine, this insurance platform comprises:
Module is handled and authorized to one declaration form, apply for autonomous interest rate investment-orientation whole-life insurance in order to accept this proposer, receive the request for data of being filled in by this user's terminating machine with this proposer of audit, analyze a policy condition of autonomous interest rate investment-orientation whole-life insurance and provide the insurance scale combination of autonomous interest rate investment-orientation whole-life insurance to select for this proposer according to this application data of this proposer;
One independence interest rate is deposited by means of platform competitive bidding module, in order to each time of the meeting at a competitive bidding issue of this insurance scale combination, import a bid amount of money to calculate an average deposit rate and an interest rate on borrowings by this proposer by this user's terminating machine, according to this independence interest rate deposit by means of the height of the balance of funding of competitive bidding module and this interest rate on borrowings with determine one standard gold volume and successful tenderer's number, get standard gold volume clearing one according to this and must mark total charge, and deposit the standard gold or the highest bid amount of money or benchmark interest rate according to this average interest rate on borrowings and and settle accounts an amount deposited; And
One incident identification and fund are appropriated operational module, in order to judge whether an insurant is in danger before whole-life insurance is paid the fees expiration or after the expiration of paying the fees, and calculate the remaining sum of a settlement of insurance claim amount of money and this investment in capital a/c or this savings account or calculate the remaining sum of this investment in capital a/c or this savings account, this remaining sum for this investment in capital a/c through being somebody's turn to do of investment a Net asset value of mark total charge is deducted the present worth of this amount deposited of the total refund amount of money in the residue time of the meeting or this savings account again.
Description of drawings
Fig. 1 is the calcspar of the insurance platform of autonomous interest rate investment-orientation whole-life insurance of the present invention;
Fig. 2 is the process flow diagram of the method for autonomous interest rate investment-orientation whole-life insurance of the present invention; And
Fig. 3 is the process flow diagram that the insurance money of autonomous interest rate investment-orientation whole-life insurance of the present invention is appropriated.
The reference numeral explanation
User's terminating machine 401
Insurance platform 402
Module 405 is handled and authorized to declaration form
The independence interest rate is deposited by means of competitive bidding module 409
Management of investment operational module 410
Incident identification and fund are appropriated operational module 411
Database 412
Embodiment
It is that the independence interest rate of 096116081 " the independence interest rate is deposited the method and system by means of platform on the framework line " is deposited by means of platform that the present invention uses the Taiwan number of patent application, create the capital competitive bidding platform with the law of large numbers, the clientage of platform lets on, can judge according to oneself's investment, utilize the capital competitive bidding system fund raised of platform, with easy credit, increase investment; The clientage also can adopt conservative strategy, does not participate in competitive bidding, pure earn interest; Service charge is then earned with the role of platform service by financial institution.
The insurance platform that the present invention created provides the chance of insurance company and consumer's interaction, and under the mechanism that the platform capital competitive bidding flows, and makes single insured goods can meet the needs of various risk partiality group.
For the present invention can specifically be implemented, below special embodiment is described in detail, and is enumerated preferable specific embodiment and be described as follows:
Fig. 1 is the calcspar of the insurance platform of autonomous interest rate investment-orientation whole-life insurance of the present invention.In Fig. 1, insurance platform 402 comprise a declaration form handle and authorize module 405, an independence interest rate is deposited by means of competitive bidding module 409, a management of investment operational module 410, an incident identification and fund and is appropriated an operational module 411 and a database 412, and user's terminating machine 401 outsides are linked to insurance platform 402.
The application of module 405 in order to the autonomous interest rate investment-orientation whole-life insurance of accepting the proposer handled and authorized to declaration form, receives a request for data of being filled in by user's terminating machine 401 with the audit proposer.Declaration form is handled and is authorized module 405 and analyzes a policy condition of autonomous interest rate investment-orientation whole-life insurance according to proposer's request for data and provide the insurance scale combination of autonomous interest rate investment-orientation whole-life insurance to select for the proposer.When module 405 checks and approves that the proposer applies for autonomous interest rate investment-orientation whole-life insurance is handled and authorized to declaration form, the policy information that module 405 produces proposers is handled and authorized to declaration form, and collect an insurance premium and authorize a declaration form and give the proposer to the proposer.
Declaration form is handled and is authorized module 405 and analyzes policy conditions, with a condition and a content of always paying the fees insurance contracts such as the amount of money, the settlement of insurance claim amount of money, a declaration form type that produces that the proposer was insured.The insurance scale combination that module 405 provides autonomous interest rate investment-orientation whole-life insurance is handled and authorized to declaration form, it is to analyze the declaration form amount of money of always paying the fees according to the employment state in proposer's the request for data and financial position, and producing at least one insurance scale combination for proposer's selection, the combination of insurance scale comprises the time limit of paying the fees, a competitive bidding issue, the golden insurance premium that should pay with each phase of a competitive bidding meeting.Declaration form is handled and is authorized module 405 policy condition and the combination of insurance scale are stored in database 412.
Declaration form is handled and is authorized module 405 and authorizes a declaration form and an account number and password to the proposer, and the proposer participates in competitive biddings by user's terminating machine 401 login accounts and password to enter insurance platform 402.Declaration form is handled and is authorized module 405 declaration form and account number and password are stored in database 412.
Wherein, the request for data that the proposer is filled in by user's terminating machine 401 is an insurant health, health, medical record data, life and a working attributes, proposer and insurant's employment state, gained level, financial position and can be for the relevant information of the condition of accepting insurance of judging the proposer with insurant's degree of risk, the declaration form processing and authorize module 405 with described data storing in database 412.
The independence interest rate is deposited by means of competitive bidding module 409 in order to import a bid amount of money to calculate an average deposit rate and an interest rate on borrowings by the proposer by user's terminating machine.According to the independence interest rate deposit by means of the height of the balance of funding of competitive bidding module 409 and interest rate on borrowings with determine one standard gold volume and successful tenderer's number, and get standard gold volume clearing one according to this and must mark total charge, and deposit the standard gold or the highest bid amount of money or benchmark interest rate according to this average interest rate on borrowings and and settle accounts an amount deposited and a refund amount of money.The independence interest rate is deposited and is completed a business transaction to such an extent that mark total charge to deposit an investment in capital a/c in, to complete a business transaction amount deposited to deposit a savings account in and to complete a business transaction the refund amount of money by means of competitive bidding module 409.
Management of investment operational module 410 is in order to showing investment target, a profit and loss on investments and a Net asset value of investing through the fund of this investment in capital a/c of management of investment via user's terminating machine 401, and with described data storing to database 412.
Incident identification and fund are appropriated operational module 411 in order to judge whether the insurant is in danger before whole-life insurance is paid the fees expiration or after the expiration of paying the fees, and the remaining sum that the remaining sum of calculating and appropriating a settlement of insurance claim amount of money and investment in capital a/c or savings account is given a beneficiary or calculated and appropriate investment in capital a/c or savings account gives the proposer, and to be investment in capital a/c deduct the present worth of the amount deposited of the total refund amount of money that remains the time of the meeting or savings account through the Net asset value that must mark total charge of investment to this remaining sum again.
Database 412 is in order to be handled and to be authorized module 405 access proposers' data such as request for data, policy information, policy condition and the combination of insurance scale by declaration form, by the independence interest rate deposit by means of the competitive bidding module 409 access bid amount of money, average deposit rate, interest rate on borrowings, the balance of funding, the standard gold volume with successful tenderer's number, deposit standard gold, the highest bid amount of money, amount deposited, must mark data such as total charge, investment in capital a/c and savings account, appropriate operational module 411 access incident identifications and fund by incident identification and fund and data such as appropriate.
Independence interest rate with direct financial properties is deposited debit's method and mainly is built in the conceptive of the balance of funding balance, deposit the interest rate on borrowings that calculates correspondence by means of competitive bidding module 409 according to each bidder's (being the proposer) the bid amount of money by the independence interest rate of insurance platform 402, and decide each time point (promptly opening bid the time) can get that target number, each winning bidder (also being the proposer) are available according to the height of the balance of funding and interest rate on borrowings must the standard gold volume, and the amount of money that should deposit of unsuccessful bidder's (is the depositor at this, also for proposer).Execution in step is as follows:
Step 1: make that successful tenderer's number is zero, deposit the balance of funding that calculates these time points by means of competitive bidding module 409 by the independence interest rate.The independence interest rate deposit by means of competitive bidding module 409 for the account form of the balance of funding be the amount of money that all unsuccessful bidders with this time point should deposit deduct all winning bidders of this time point must the standard gold volume.In this step, only need calculate total amount deposited of all depositors, the amount of money of the required deposit of unsuccessful bidder.Priority from the interest payment has following two kinds of calculating formulas:
Interest is payment earlier: U-IX n... ... ... ... ... ... ... ... ... .. (1)
Pay after the interest: U....................................................... .. (2)
Wherein,
U is bidder's a competitive bidding upper limit;
IX nFor calculate the depositor's who gets deposit standard gold according to the benchmark interest rate of n phase.
In addition, winning bidder's (borrower) must the standard gold volume, and the priority from the interest payment has following two kinds of calculating formulas:
Interest is payment earlier: A n=(U-I n) * (N-n)+U * (n-1) ... ... ... ... (3)
Pay after the interest: A n = U × ( N - n ) + U × ( n - 1 ) + Σ i = 1 n - 1 I i . . . ( 4 )
Wherein,
A nFor the winning bidder gets target in the n phase must the standard gold volume;
U is a competitive bidding upper limit;
N is the total issue of an agreement;
N is an existing issue, and n≤N;
I nBe the get standard gold volume of winning bidder in the n phase;
I iThe amount of money of depositing in the i phase for the depositor, and i＜n.
The payment earlier of the above-mentioned interest of mentioning is meant that in borrowing money the capital that obtains is the following interest that should pay of deduction in advance, is similar to the practice of zero coupon bond; Payment then refers to can take complete capital when borrowing money after the interest, goes interest payment when repaying future again, is similar to the practice of ordinary loan or housing loan.
Step 2: deposit this time point of the balance of funding X+ the balance of funding B that judges last time point by means of competitive bidding module 409 by the independence interest rate 0Whether (that is fund water level) be smaller or equal to zero.If the balance of funding X of last time point adds this time point the balance of funding B 0Smaller or equal to zero (is B 0+ X≤0), then the independence interest rate is deposited and is judged these time points by means of competitive bidding module 409 nobody can mark, and promptly all bidder of this time point all must deposit; On the contrary, if depositing by means of competitive bidding module 409, the independence interest rate judges that the balance of funding greater than zero, then enters step 3.
Level off to the independence interest rate of direct finance in construction one and deposit when taking this opportunity to make, deposit by means of the balance of funding in the competitive bidding module 409 and should equal zero at the independence interest rate.But deposit that to want lucky null probability by means of the balance of funding in the competitive bidding module 409 be very little at the independence interest rate, therefore, its balance of funding certainly will more than or equal to or smaller or equal to zero.If the independence interest rate is deposited by means of the balance of funding in the competitive bidding module 409 greater than zero, for the financial institution of operation this method, the kenel of this balance of funding becomes the amount of money of borrowing of financial institution, can cause the generation of the expenditure cost of financial institution; If the independence interest rate is deposited by means of the balance of funding in the competitive bidding module 409 less than zero, for the financial institution of operation this method, the kenel of this balance of funding becomes the amount of money that lends of financial institution, can earn service charge slightly, thereby change the indirect finance function mode that the money profit is deposited in the earning of traditional financial mechanism.At this, it is that hypothesis independence interest rate is deposited by means of the balance of funding in the competitive bidding module 409 and need be less than or equal to zero with the operation as bidding trading that the independence interest rate is deposited debit's method.
Step 3: carry out the ordering of interest rate on borrowings.If step 2 deposit the balance of funding after calculating by means of competitive bidding module 409 greater than zero through the independence interest rate, then deposit by means of competitive bidding module 409 and will calculate corresponding interest rate on borrowings, and general's ordering at the bid amount of money that following target bidder is arranged by the independence interest rate.The independence interest rate is deposited by means of competitive bidding module 409 when calculating arbitrary bidder in the interest rate on borrowings of n phase (n drops on this computing time of the point) bid standard gold, for example use finance to learn the idea of internal rate of return (IRR), use earlier following calculating formula (5) to calculate the bidder average deposit rate r of previous each phase, re-use following calculating formula (6) and calculate and submit a tender when time point if smooth target interest rate on borrowings R.Calculating formula is as follows:
Σ i = 1 n - 1 ( U - I i ) × ( 1 + r ) N - i = U × ( n - 1 ) . . . ( 5 )
Σ i = 1 n - 1 ( U - I i ) × ( 1 + r ) n - i + Σ j = 1 N - n U × ( 1 1 + R ) j = A n . . . ( 6 )
Wherein,
U is a competitive bidding upper limit;
N is the total issue of an agreement;
N is an existing issue, and n≤N;
I iThe amount of money of depositing in the i phase for the depositor, and i＜n;
R is that the depositor is in the average deposit rate of the 1st～i phase;
R is an interest rate on borrowings;
A nMust the standard gold volume for the winning bidder if get target in the n phase, account form is with reference to calculating formula (3) and (4).
The independence interest rate is deposited by means of competitive bidding module 409 after the interest rate on borrowings that calculates all bidder of this time point, sorts to low by interest rate is high with the interest rate on borrowings that is about to corresponding all bidder.
Step 4: the independence interest rate is deposited to find out by means of competitive bidding module 409 and is made the balance of funding smaller or equal to maximum successful tenderer's number of zero.This step for example uses the notion of trial and error pricing to obtain when successful tenderer's number is n, make the independence interest rate deposit and add that at the balance of funding of this time point last time point the balance of funding is less than or equal to zero situation, but promptly find out winning bidder's minimum number by means of competitive bidding module 409:
Min【n|B n+X≤0】........................(7)
Wherein,
B nBe the balance of funding when this time point successful tenderer number is n;
X is the balance of funding of last time point.
Step 5: winning bidder's clearing.For winning bidder (borrower), the independence interest rate deposit by means of competitive bidding module 409 this time point have the bidder to get under the target situation to calculate a winning bidder must the standard gold volume.The independence interest rate is deposited by means of the priority of competitive bidding module 409 according to the interest payment, and following two kinds of calculating formulas are arranged:
Interest is payment earlier: A n=(U-I n) * (N-n)+U * (n-1) ... ... (8)
Pay after the interest: A n = U × ( N - n ) + U × ( n - 1 ) + Σ i = 1 n - 1 I i . . . ( 9 )
Wherein,
A nFor the winning bidder gets target in the n phase must the standard gold volume;
U is a competitive bidding upper limit;
N is the total issue of an agreement;
N is an existing issue, and n≤N;
I nBe the get standard gold volume of winning bidder in the n phase;
I iThe amount of money of depositing in the i phase for the depositor, and i＜n.
The winning bidder needs to refund at issue backward before above-mentioned, and the account form of the refund amount of money is as follows:
Interest is payment earlier: U....................................................... .. (10)
Pay after the interest: U+I n... ... ... ... ... ... ... ... ... (11)
Wherein,
U is a competitive bidding upper limit;
I nThe amount of money of submitting a tender in the n phase for the bidder.
Step 6: the user's that loses a bid clearing.When the independence interest rate is deposited and is judged that by means of competitive bidding module 409 but this time point successful tenderer numbers are n (n=1...i), the average interest rate on borrowings when but the independence interest rate is deposited and calculated this time point successful tenderer numbers and be n by means of competitive bidding module 409, calculate again must mark person (being the depositor) amount deposited IA nThe independence interest rate is deposited the amount deposited IA that calculates the depositor by means of competitive bidding module 409 nBe successively to have paid two kinds of account forms according to interest:
Interest is payment earlier: (U-IA n) * (1+R a) N-n=U................................. (12)
Pay after the interest: U * (1+R a) N-n=U+IA n... ... ... ... ... ... .. (13)
Wherein,
U is a competitive bidding upper limit;
N is the total issue of an agreement;
N is an existing issue, and n≤N;
IA nFor calculate the depositor's who gets amount deposited according to the average interest rate on borrowings of n phase;
R aIt is an average interest rate on borrowings.
If this time point has the bidder to mark, the independence interest rate is deposited by means of competitive bidding module 409 and is calculated amount deposited IA according to average interest rate on borrowings nThe amount of money that this unsuccessful bidder will deposit uses following two kinds of calculating formulas equally according to the priority of interest payment:
Interest is payment earlier: U-IA n... ... ... ... ... ... ... ... ... (14)
Pay after the interest: U....................................................... ... (15)
Wherein,
U is a competitive bidding upper limit;
IA nFor calculate the depositor's who gets amount deposited according to the average interest rate on borrowings of n phase.
If this time point must be marked for no bidder, but the bidder has subscript (event needs deposit because of losing a bid), and the priority that the management servomechanism of funds transaction platform is paid from interest for the calculating of bidder's amount deposited has following two kinds of calculating formulas:
Interest is payment earlier: U-IH n... ... ... ... ... ... ... ... (16)
Pay after the interest: U..................................................... (17)
Wherein,
U is a competitive bidding upper limit;
IH nThe highest bid amount of money of losing a bid the n phase for the bidder.
Aspect the unsuccessful bidder, if the n phase must mark for no bidder, and the bidder there is no subscript, and the independence interest rate is deposited the priority of paying from interest by means of the calculating of 409 couples of these bidder's of competitive bidding module amount deposited, and following two kinds of calculating formulas are arranged:
Interest is payment earlier: U-IX n... ... ... ... ... ... ... ... ... (18)
Pay after the interest: U....................................................... .... (19)
Wherein,
U is a competitive bidding upper limit;
IX nFor calculate the depositor's who gets amount deposited according to the benchmark interest rate of n phase.
Fig. 2 is the process flow diagram of the method for autonomous interest rate investment-orientation whole-life insurance of the present invention.Each assembly of reference diagram 1 is illustrated in the flow process of describing Fig. 2.The method of autonomous interest rate investment-orientation whole-life insurance of the present invention is that a whole-life insurance is deposited debit's formula to set up an autonomous interest rate investment-orientation whole-life insurance contract in conjunction with the independence interest rate of an insurance platform.This autonomous interest rate investment-orientation whole-life insurance contract is meant that the proposer can enter insurance platform 402 and select to participate in competitive bidding by user's terminating machine 401 in during back the paying the fees of insuring.This method is as described in the following step.
At first, handle and authorize module 405 by declaration form and receive the autonomous interest rate investment-orientation whole-life insurance that a proposer is applied for by user's terminating machine 401, declaration form is handled and is authorized module 405 and fills in a request for data via user's terminating machine 401 these proposers of indication, and the request for data that fill in is (step S201) as mentioned above.Declaration form handle and authorize module 405 with described data storing in database 412.
Then, handle and authorize the module 405 audit request for data that the proposer filled in by declaration form, and analyze a policy condition of autonomous interest rate investment-orientation whole-life insurance and provide the insurance scale combination of autonomous interest rate investment-orientation whole-life insurance to select (step S203) for the proposer according to this proposer's request for data.Declaration form is handled and is authorized module 405 policy condition and the combination of insurance scale are stored in database 412.Wherein, the combination of policy condition and insurance scale as mentioned above.
Wherein, declaration form time limit of paying the fees is same as competitive bidding time limit at insurance platform 402, makes the proposer also can participate in the competitive bidding of insurance platform 402 during paying each issue premium.
When the proposer accepts this and will protect condition and select the combination of this insurance scale, handle and authorize module 405 and check and approve the whole-life insurance that this proposer applies for by declaration form, the policy information that module 405 produces the proposer is handled and authorized to declaration form, and collect an insurance premium and authorize a declaration form to this proposer (step S205) to the proposer.Handle and authorize module 405 when authorizing declaration form at declaration form, can give proposer's one account number and password, this proposer by user's terminating machine 401 login accounts and password to enter insurance platform 402 participation competitive biddings.Declaration form is handled and is authorized module 405 policy information, account and password are stored in database 412.
Secondly, receive account number that the proposer that will enter insurance platform 402 logined by user's terminating machine 401 and password with participation competitive bidding (step S207) by insurance platform 402.Then, in each time of the meeting of the competitive bidding issue of insurance scale combination, by the independence interest rate deposit by means of competitive bidding module 409 receive the bid amount of money imported by user's terminating machine 401 of target proposer, the independence interest rate is deposited by means of competitive bidding module 409 and is deposited the description of step 3 of debit's method with above-mentioned independence interest rate according to the bid amount of money of being imported with the proposer's that calculate to submit a tender an average deposit rate and an interest rate on borrowings, deposit in the step 1 to four of debit's method at above-mentioned independence interest rate, the independence interest rate deposit by means of competitive bidding module 409 according to its balance of funding with have bid the proposer this interest rate on borrowings height with determine one standard gold volume and successful tenderer's number (step S209).
Deposit in the step 5 of debit's method at above-mentioned independence interest rate, by the independence interest rate deposit by means of competitive bidding module 409 according to be somebody's turn to do the standard gold volume settle accounts target proposer one must mark total charge, deposit in the step 6 of debit's method at above-mentioned independence interest rate, by the independence interest rate deposit by means of competitive bidding module 409 according to target proposer's average interest rate on borrowings and a deposit standard gold or the proposer's that loses a bid the highest bid amount of money or benchmark interest rate are settled accounts the proposer's who loses a bid a amount deposited and a refund amount of money (step S211) that gets the target proposer.
Then, by the independence interest rate deposit by means of competitive bidding module 409 complete a business transaction the mark total charge with deposit in target proposer an investment in capital a/c, complete a business transaction amount deposited with the savings account that deposits the proposer who loses a bid in complete a business transaction target proposer's the refund amount of money (step S213).
Wherein, before the proposer loses a bid, deposit by means of competitive bidding module 409 by the independence interest rate and to deposit this proposer's amount deposited in savings account and figure interest.After the proposer must mark, deposit by the independence interest rate and must mark total charge by means of competitive bidding module 409 and deposit investment in capital a/c in and carry out management of investment, until the declaration form expiration of paying the fees by management of investment operational module 410.If this proposer all loses a bid or has neither part nor lot in competitive bidding in the declaration form expiration of paying the fees, then declaration form pay the fees expiration during, appropriate operational module 411 by incident identification and fund and deposit all amount depositeds in this savings account.
Then, get the fund in target proposer's the investment in capital a/c by for example investment manager people's management of investment, show that via user's terminating machine 401 an investment target, a profit and loss on investments and a Net asset value that fund that should investment in capital a/c is invested give the proposer by management of investment operational module 410, and with described data storing to database 412 (step S215).
Then, appropriate operational module 411 by incident identification and fund and judge whether the insurant is in danger before whole-life insurance paid the fees expiration or after the expiration, and calculate and appropriate a settlement of insurance claim amount of money and investment in capital a/c (when this proposer have timestamp) or the remaining sum of savings account (when this proposer loses a bid) remaining sum of giving a beneficiary or calculating and appropriating investment in capital a/c or savings account to proposer (step S217).Wherein, to be investment in capital a/c deduct the present worth of the amount deposited of the total refund amount of money in the residue time of the meeting or savings account through the Net asset value that must mark total charge of investment to this remaining sum again.
Fig. 3 is the process flow diagram that the insurance money of autonomous interest rate investment-orientation whole-life insurance of the present invention is appropriated.Each assembly of reference diagram 1 is illustrated in the flow process of describing Fig. 3.
At first, appropriate operational module 411 by incident identification and fund and judge that the insurant is before whole-life insurance is paid the fees expiration whether be in danger (step S301).If the insurant is in danger before whole-life insurance is paid the fees expiration, then by incident identification and fund appropriate operational module 411 calculate and appropriate policy condition the settlement of insurance claim amount of money and to investment in capital a/c that should the proposer (when the proposer have timestamp) or the remaining sum of savings account (when the proposer loses a bid) give this beneficiary (step S302).Afterwards, incident identification and fund are appropriated the autonomous interest rate investment-orientation whole-life insurance contract (step S303) that operational module 411 stops this proposer.
If the insurant is not in danger before whole-life insurance is paid the fees expiration, then appropriates operational module 411 and judge that this insurant is at whole-life insurance whether be in danger after expiring (the step S304) that pay the fees by incident identification and fund.
If the insurant is in danger after whole-life insurance is paid the fees expiration, then appropriates operational module 411 and calculate and appropriate the settlement of insurance claim amount of money of policy condition and give this beneficiary (step S305) the investment in capital a/c that should the proposer or the remaining sum of savings account by incident identification and fund.Afterwards, incident identification and fund are appropriated the autonomous interest rate investment-orientation whole-life insurance contract (step S306) that operational module 411 stops this proposer.
If the insurant is not in danger after whole-life insurance is paid the fees expiration, then appropriates operational module 411 and judge whether the proposer will ask neck to the investment in capital a/c that should the proposer or the remaining sum (step S307) of savings account by user's terminating machine 401 by incident identification and fund.If this proposer please not lead the investment in capital a/c that should the proposer or the remaining sum of savings account, then carry out step S304.
If this proposer will ask neck to the investment in capital a/c that should the proposer or the remaining sum of savings account, then appropriate operational module 411 and calculate and appropriate and give this proposer (step S308) the investment in capital a/c that should the proposer or the remaining sum of savings account by incident identification and fund.Because the insurant is not in danger as yet, so insurance platform 402 is still kept the validity (step S309) of this proposer's autonomous interest rate investment-orientation whole-life insurance contract.When the insurant is in danger, appropriates operational module 411 by incident identification and fund and calculate and appropriate the settlement of insurance claim amount of money of policy condition to this beneficiary (step S310).Afterwards, incident identification and fund are appropriated the autonomous interest rate investment-orientation whole-life insurance contract (step S311) that operational module 411 stops this proposer.
Wherein, appropriate operational module 411 by incident identification and fund and assert insurant's death, Complete Disability or meet the origin of an incident such as sum of insurance payment, to calculate and to appropriate this settlement of insurance claim amount of money and to give this beneficiary the investment in capital a/c that should the proposer or the remaining sum of savings account.
Judge that the insurant is not in danger yet if appropriate operational module 411 after whole-life insurance is paid the fees expiration, then appropriate operational module 411 and appropriate please leading of the whole of selected investment in capital a/c of proposer or savings account or part remaining sum by incident identification and fund by incident identification and fund.
Below especially exemplified by an illustrative examples, simultaneously referring to figs. 1 to Fig. 3, concrete enforcement method of the present invention is described according to this:
Now 40 years old Mr. Zhou Zhiyu (hereinafter to be referred as the will fine jade) be that electronics corporation is responsible for, its wife Miss Zhang Xiaoqiao (hereinafter to be referred as Xiao Qiao) is the housewife, sole duty manages one's household and looks after its son Zhou Xiaobao (hereinafter to be referred as Xiaobao) of 3 years old.Because the will fine jade likes a Trojan at ordinary times and reused by boss, it is taken in except that prevaricating the basic expense of family, and has residue can satisfy its household's material enjoyment.
Though it is munificent that the will fine jade is taken in quite stable at present,, can't help worrying that if the healthy situation that occurs, economy will suffer significant impact in the family as the will fine jade of unique pillar of the economy in the family along with Xiaobao is grown up gradually.In addition, because electronic industry was increasingly competitive in recent years, the will fine jade also difficult sure its existing income and stock dividends gained are continued to keep.In the case, the will fine jade and Xiao Qiao feel, must adjust to some extent based on the way to manage money of depositing surely and enterprise shares is shared out bonus for dependence is existing, maintain living guarantee and guarantee the retirement lives demand otherwise be difficult to satisfy it.
The friend that the will fine jade and Xiao Qiao committee please several serves as the financing assistant director is on behalf of planning, but these friends recommend it to buy general whole-life insurance declaration form more.After anatomizing this class whole-life insurance declaration form clause, they find that existing whole-life insurance declaration form exists several shortcomings more: how pay premium (1) early stage as disbursement insurance company additional expense (being insurance company's operation management expenditure and business personnel's commission), interests can't feed back to the proposer.(2) the increment interest rate of savings (declaration form surrender value) part is on the low side; the insured can't obtain to lack flexibility than superior returns (3) declaration form declaration interest rate; the profit damage took place in insurance company easily when interest rate dropped; diminish insured's rights and interests (3) unless insurant's life span is enough long, dieing ensures that the amount of money is difficult to play effectiveness.When (4) declaration form did not have clear and definite standard insurant more and is in danger, the beneficiary only can just accumulate premium, declaration form surrender value and ensuring funds forehead branch and select one and get, and the anxiety that misleads the proposer is arranged.(5) savings increment interest rates (promptly declaring interest rate) are by insurance company's decision, and the proposer is in passive position, lack the investment function.(6) need be dependent on the declaration form matter system of taking this opportunity with in response to the temporary fund demand,, be difficult to bring into play real benefit because of other costs of palpus supplementary payments.
Whether the will fine jade and Xiao Qiao are just hesitating insures when the whole-life insurance, and in classmate's party, they and one are same as desolate clever self situation of speaking of of classmate that electronics corporation serves as the senior engineer.Xiao Congming advises by citing one's own experience, recommend it to participate in " insurance platform of autonomous interest rate investment-orientation whole-life insurance " of insurance institution according to institute of the present invention construction, not only can fairer and more reasonable mode obtain required guarantee, and more flexi mode carries out retirement financing planning.
Accept the will fine jade by insurance platform 402 and see through the autonomous interest rate investment-orientation whole-life insurance of user's terminating machine 401 application addings, see through operation module 405 (step S201) is handled and authorized to the request for data of the will fine jade by the declaration form that user's terminating machine 401 inputs to insurance platform 402, the request for data of the module 405 audit will fine jades is handled and authorized to declaration form, and according to the condition of will protecting of the autonomous interest rate investment-orientation of this application data analysis whole-life insurance and provide the insurance scale combination of autonomous interest rate investment-orientation whole-life insurance to select (step S203) for the will fine jade.
When the will fine jade is accepted this and will be protected condition and select the combination of this insurance scale, handle and authorize module 405 and check and approve the whole-life insurance that the will fine jade is applied for by declaration form, and Xiang Zhiyu collects an insurance premium and authorizes a declaration form and give the will fine jade (step S205).Handle and authorize module 405 when authorizing declaration form at declaration form, can give the will fine jade one account number and password, receive account and the password that the will fine jades are logined by user's terminating machine 401 by insurance platform 402 and participate in competitive bidding to enter insurance platform 402.
Declaration form is handled and is authorized after module 405 finishes that nuclear is protected and premium collects, and it is as follows that insurance platform 402 is issued the will fine jade one autonomous interest rate investment-orientation whole-life insurance contract:
Autonomous interest rate investment-orientation whole-life insurance insurance slip
Basic policy condition ● proposer: Zhou Zhiyu ● insurant: Zhou Zhiyu ● beneficiary: Zhou Xiaobao ● period insured: lifelong ● the time limit of paying the fees: 20 years ● sum of insurance: New Taiwan Currency 6,000,000 yuan
Autonomous interest rate investment-orientation whole-life insurance insurance slip
● premium of insurance: each phase insurance against death rate is calculated in the expection survival time limit that begins from the declaration form effective date according to the insurant and the expection survival time limit.● premium of insurance is collected: with the moon mode of paying collect flat certainly expense, 12,500 yuan of life span hypothesis monthly premium New Taiwan Currencies.● insurance is paid: be in danger in during pay the fees (1): whole or an one (according to being in danger kenel) of payment beneficiary's sum of insurance and independence interest rate are deposited by means of platform accumulated savings gold (losing a bid) or its and are got the investment in capital a/c remaining sum (having to such an extent that mark) that standard gold imports investment.(2) pay the fees and be in danger after the expiration: payment beneficiary's sum of insurance whole or one one (according to being in danger kenel) and expiration import the investment in capital a/c remaining sum of investing.● the independence interest rate is deposited the insurance platform standard of borrowing: the proposer of (1) this declaration form can participate in the insurance platform of being made by this insurance company.(2) participation condition is as follows: (a): totally 240 phases (every month first phase) (b) can be golden in 20 years: mark at 25,000 yuan of (c) ends of New Taiwan Currency: insurance company is according to the motor-driven adjustment of fund supply and demand
After contracting, the will fine jade removed in every month to be paid flat certainly the expense outside 12,500 yuan, saves or fund-raising chance of expanding investment to obtain one because of participating insurance platform 402 in addition.Suppose all to save at the initial the first two years will of the declaration form fine jade, marked level and be all 1 at the end of insurance platform 402 at that time, 500 yuan, the first two year each phase then, the will fine jade is deposited by means of the competitive bidding module 409 clearing through the independence interest rate, and need to pay insurance platform 402 be altogether 25,000+12,500-1,500=36,000 yuan (step S211), and described amount deposited all deposits a savings account (step S213) of the will fine jade in.
Suppose that receiving the will fine jade (i.e. the 25th phase) logined by user's terminating machine 401 at the beginning of the 3rd account number and password by insurance platform 402 carries out competitive bidding (step S207) to enter insurance platform 402.The will fine jade input bid amount of money is 2,000 yuan, the independence interest rate is deposited the bid amount of money of being imported according to the will fine jade by means of competitive bidding module 409, deposit the description of the step 3 of debit's method with above-mentioned independence interest rate, average deposit rate and an interest rate on borrowings with the proposer that calculates all bids, deposit in the step 1 to four of debit's method at above-mentioned independence interest rate, the independence interest rate is deposited by means of competitive bidding module 409 and according to the height of its balance of funding with the proposer's that bid is arranged interest rate on borrowings, the decision will fine jade must be marked (step S209) for 2,000 yuan with the bid amount of money.
The independence interest rate is deposited and can be obtained to such an extent that the mark total charge is 23 by means of the competitive bidding module 409 clearing will fine jades, 000*215+25,000*24=5,545,000 yuan investment amount (step S211).And by the independence interest rate deposit by means of competitive bidding module 409 complete a business transaction the amount of money be 5,545,000 yuan in the investment in capital a/c of the will fine jade (step S213).
Must will manage by management of investment operational module 410 by the standard gold volume in the investment in capital a/c of the will fine jade, to invest under sane principle, to seek the more gain on investments of great number by for example investment manager people, give the will fine jade (step S215) by investment target, profit and loss on investments and Net asset value that management of investment operational module 410 is invested via the fund of the investment in capital a/c of user's terminating machine 401 demonstration will fine jades for the will fine jade.And the will fine jade will need be repaid 25,000 yuan meeting gold (amount of money of promptly refunding) each phase after must marking.
Illustrate, must mark back 2 years (i.e. the 49th phase), the will fine jade is unfortunately die because of work overwork miocardial infarction.Xiaobao (or its legal representative) can carry out the settlement of insurance claim request to insurance company, appropriates 411 pairs of these requests of operational module through incident identification and fund and confirms (step S301), and calculate through the surplus that management of investment operational module 410 is invested immediately.If portfolio performance is all 10% each year in two years for this, this investment in capital a/c remaining sum is 6,709,450 yuan (5,545,000* (1+0.1) ^2).Xiaobao this moment (or its legal representative) is except that can getting 6,000,000 yuan the settlement of insurance claim amount of money, also can get following each phase of investment in capital a/c remaining sum deduction and should pay meeting gold (4,750,000 yuan) after remaining sum (1,959,450 yuan), amount to 7,959,450 yuan the settlement of insurance claim amount of money (step S302), afterwards, incident identification and fund are appropriated the autonomous interest rate investment-orientation whole-life insurance contract (step S303) that operational module 411 stops the will fine jade.
Other illustrates, and supposes also be not in danger (the step S304) that all lose a bid during the will fine jade was paid the fees in 20 years, and when then the 20th year expired, the will fine jade can be got federation's gold of 6,000,000 yuan, and whether decision fully imports investment.At this moment, if the decision of the will fine jade proposes 3,000,000 yuan and prevaricates own retirement back living expenses (step S307), the will fine jade can be appropriated operational module 411 to incident identification and fund please lead 3,000,000 yuan (step S308) in the investment in capital a/c, and the residue in its investment in capital a/c continues to import investment for 3,000,000 yuan.At this moment, the autonomous interest rate investment-orientation whole-life insurance contract of the will fine jade is still effective.
Will fine jade death (step S310) when supposing the 25th year, the remaining sum of the investment in capital a/c of the will fine jade was 3,500,000 yuan at that time, and then incident identification and fund are appropriated operational module 411 calculating and appropriated Zhou Xiaobao and can get the settlement of insurance claim amount of money (step S310) that insurance against death gold 6,000,000 adds 3,500,000 yuan (amounting to 9,500,000 yuan) of investment in capital a/c.Afterwards, incident identification and fund are appropriated the autonomous interest rate investment-orientation whole-life insurance contract (step S311) that operational module 411 stops the will fine jade.Hence one can see that, and the autonomous interest rate investment-orientation whole-life insurance of institute of the present invention construction can be the insured really and brings the interests that are better than traditional insurance under a life policy.

Claims (19)

1. the method for an autonomous interest rate investment-orientation whole-life insurance, it deposits debit's formula to set up an autonomous interest rate investment-orientation whole-life insurance contract with a whole-life insurance in conjunction with the independence interest rate of an insurance platform, and the method includes the steps of:
By a declaration form of this insurance platform handle and authorize module receive a proposer autonomous interest rate investment-orientation whole-life insurance application and indicate this proposer to fill in a request for data;
Handle and authorize module and examine this application data that this proposer fills in by this declaration form, and analyze and provide a policy condition of autonomous interest rate investment-orientation whole-life insurance and insurance scale combination to select for this proposer according to this application data of this proposer;
In each time of the meeting of a competitive bidding issue of this insurance scale combination, by an independence interest rate of this insurance platform deposit by means of the competitive bidding module receive the bid amount of money imported of this proposer of target;
Deposit by means of the competitive bidding module according to this bid amount of money of being imported by this independence interest rate, this proposer's who calculate to submit a tender average deposit rate and an interest rate on borrowings, and deposit by means of the balance of funding of competitive bidding module and this proposer's the height of this interest rate on borrowings that bid arranged to determine that one must standard gold volume and successful tenderer's number according to this independence interest rate;
By this independence interest rate deposit by means of the competitive bidding module according to be somebody's turn to do the standard gold volume settle accounts this proposer of target one must mark total charge, and according to this proposer's of target this average interest rate on borrowings and a deposit standard gold or this proposer's of losing a bid the highest bid amount of money or benchmark interest rate are settled accounts this proposer's who loses a bid a amount deposited and are got this proposer's of target the refund amount of money; And
Appropriate operational module by incident identification of this insurance platform and fund and judge that an insurant is before autonomous interest rate investment-orientation whole-life insurance is paid the fees expiration or pay the fees and whether be in danger after expiring, and calculate the remaining sum of a settlement of insurance claim amount of money and an investment in capital a/c or a savings account, this remaining sum be this investment in capital a/c through this of investment must the standard gold volume the total refund amount of money in the Net asset value deduction residue time of the meeting or the present worth of this amount deposited of this savings account.
2. the method for claim 1 further comprises the following step:
When handling and authorizing module checks and approves that this proposer applies for autonomous interest rate investment-orientation whole-life insurance by this declaration form, handle and authorize the policy information that module produces this proposer by this declaration form, and collect an insurance premium and give this proposer with authorizing a declaration form, with the database of described data storing in this insurance platform;
By this independence interest rate deposit by means of the competitive bidding module complete a business transaction this must mark total charge with deposit in this proposer of target this investment in capital a/c, complete a business transaction this amount deposited with this savings account of depositing this proposer who loses a bid in complete a business transaction this refund amount of money;
Must the amount of money by this of this investment in capital a/c of management of investment operational module management of investment of this insurance platform, via user's terminating machine show to should investment in capital a/c through this of investment must the amount of money investment target, a profit and loss on investments and this Net asset value, and with described data storing to this database; And
Appropriating operational module by this incident identification and fund appropriates the remaining sum that the remaining sum of this settlement of insurance claim amount of money and this investment in capital a/c or this savings account gives a beneficiary or appropriate this investment in capital a/c or this savings account and gives this proposer.
3. the method for claim 1, wherein, transmitting this application data that this proposer fills in by user's terminating machine is an insurant health, health, medical record data, life and working attributes, this proposer and this insurant's employment state, gained level, financial position and can be for the related data of the condition of accepting insurance of judging this proposer with this insurant's risk partiality degree, this declaration form processing and authorize module with the database of described data storing in this insurance platform.
4. the method for claim 1, wherein, handle and authorize this policy condition of module analysis by this declaration form, with the amount of money of always paying the fees that produces that this proposer insured, this settlement of insurance claim amount of money, the condition and the content of insurance contracts such as one declaration form type, handling and authorize module by this declaration form, this insurance scale combination of autonomous interest rate investment-orientation whole-life insurance is provided is to analyze the declaration form amount of money of always paying the fees according to the employment state in this proposer's the request for data and financial position, and produce at least one should the insurance scale combination select for this proposer, this insurance scale combination comprises the time limit of paying the fees, this competitive bidding issue, the database that module is stored in this policy condition and the combination of this insurance scale this insurance platform is handled and authorized to this insurance premium that one competitive bidding meeting gold and each phase should pay, this declaration form.
5. the method for claim 1, wherein, examine in the step of this application data that this proposer fills in handling and authorize module by this declaration form, handle and authorize module by this declaration form and authorize this declaration form and an account number and password to this proposer, and receiving account and the password that this proposer that will enter this insurance platform is logined by user's terminating machine by this insurance platform, the database that module is stored in this declaration form and account and password this insurance platform is handled and authorized to this declaration form.
6. the method for claim 1, wherein
By this independence interest rate deposit the amount of money that all these proposers that lose a bid of calculating at the time point of opening of bid by means of the competitive bidding module should deposit deduct this time point all get this proposer of target must the standard gold volume, and this must the standard gold volume be stored to a database of this insurance platform;
By this independence interest rate deposit judge by means of the competitive bidding module before once this balance of funding of the time point of opening of bid add this opening of bid this balance of funding of time point whether smaller or equal to zero, and the balance of funding after will calculating is stored to this database;
By this independence interest rate deposit by means of the competitive bidding module according to this bid amount of money of this proposer who submits a tender with read a selected standard gold that should the combination of insurance scale from this database and calculate this interest rate on borrowings, and the height of this interest rate on borrowings of this proposer of all bids sorted, and this interest rate on borrowings is stored to this database; And
By this independence interest rate deposit by means of the competitive bidding module according to the height of this interest rate on borrowings of this proposer who reads this balance of funding and bid from this database with decision be somebody's turn to do standard gold volume and successful tenderer's number, and will be somebody's turn to do to such an extent that standard gold volume and successful tenderer's number are stored to this database;
Wherein, calculate two kinds of calculating formulas of the amount of money of all depositors' total amount deposited, the required deposit of unsuccessful bidder:
Interest is payment earlier: U-IX n
Pay after the interest: U
Calculate two kinds of calculating formulas that this of winning bidder must standard gold:
Interest is payment earlier: A n=(U-I n) * (N-n)+U * (n-1)
Pay after the interest: A n = U × ( N - n ) + U × ( n - 1 ) + Σ i = j n - j I i
Calculate the interest rate on borrowings R that submits a tender when time point, and corresponding all bidder's interest rate on borrowings is sorted from high to low;
But find out the calculating formula of winning bidder's minimum number:
Min【n|B n+X≤0】
Calculate the calculating formula of this refund amount of money:
Interest is payment earlier: U
Pay after the interest: U+I n
When but successful tenderer's number is n, this amount deposited IA that calculating must the mark person nTwo kinds of calculating formulas:
Interest is payment earlier: (U-IA n) * (1+R a) N-n=U
Pay after the interest: U * (1+R a) N-n=U+IA n
Get timestamp as the bidder, calculate this amount deposited IA nTwo kinds of calculating formulas:
Interest is payment earlier: U-IA n
Pay after the interest: U
When no bidder must mark but the bidder has following timestamp, calculate two kinds of calculating formulas of this amount deposited:
Interest is payment earlier: U-IH n
Pay after the interest: U
When no bidder must mark and the bidder there is no down timestamp, calculate two kinds of calculating formulas of this amount deposited:
Interest is payment earlier: U-IX n
Pay after the interest: U
Wherein,
U is a competitive bidding upper limit;
IX nFor calculate the depositor's who gets deposit standard gold according to the benchmark interest rate of n phase;
A nFor the winning bidder gets target in the n phase must standard gold;
N is the competitive bidding issue;
N is an existing issue, and n≤N;
I nBe the get standard gold volume of winning bidder in the n phase;
I iThe amount of money of depositing in the i phase for the depositor, and i＜n;
R is that the depositor is in the average deposit rate of the 1st～i phase;
R is an interest rate on borrowings;
B nBe the balance of funding when this time point successful tenderer number is n;
X is the balance of funding of last time point;
IA nFor calculate the depositor's who gets amount deposited according to the average interest rate on borrowings of n phase;
R aIt is an average interest rate on borrowings;
IH nThe highest bid amount of money of losing a bid the n phase for the bidder;
IX nFor calculate the depositor's who gets amount deposited according to the benchmark interest rate of n phase.
7. the method for claim 1, wherein, deposit by this independence interest rate by means of the competitive bidding module settle accounts this proposer of target be somebody's turn to do the mark total charge, this amount deposited of this proposer who loses a bid with in this proposer's of target the step of this refund amount of money, before this proposer loses a bid, deposit by means of the competitive bidding module by this independence interest rate and to deposit this amount deposited of this proposer in this savings account and figure interest, after this proposer must mark, by this independence interest rate deposit by means of the competitive bidding module will be somebody's turn to do the mark total charge deposit this investment in capital a/c in and carry out management of investment by a management of investment operational module, until the declaration form expiration of paying the fees, if this proposer all loses a bid or has neither part nor lot in competitive bidding in the declaration form expiration of paying the fees, then declaration form pay the fees the expiration during, appropriate operational module by incident identification and fund and deposit all these amount depositeds in this savings account.
8. the method for claim 1, wherein, judge that this insurant is before autonomous interest rate investment-orientation whole-life insurance is paid the fees expiration or pay the fees and whether be in danger after expiring appropriating operational module by this incident identification and fund, and calculate the step of the remaining sum of this settlement of insurance claim amount of money and this investment in capital a/c or this savings account, comprise the following step:
Appropriate operational module by this incident identification and fund and judge whether this insurant is in danger before whole-life insurance is paid the fees expiration;
If this insurant is in danger before whole-life insurance is paid the fees expiration, then appropriates operational module and calculate and appropriate this settlement of insurance claim amount of money and give this beneficiary this investment in capital a/c that should the proposer or the remaining sum of this savings account by this incident identification and fund;
Appropriate this autonomous interest rate investment-orientation whole-life insurance contract that operational module stops this proposer by this incident identification and fund;
If this insurant is not in danger before whole-life insurance is paid the fees expiration, then appropriates operational module and judge whether this insurant is in danger after whole-life insurance is paid the fees expiration by this incident identification and fund;
If this insurant is in danger after whole-life insurance is paid the fees expiration, then appropriates operational module and calculate and appropriate this settlement of insurance claim amount of money and give this beneficiary this investment in capital a/c that should the proposer or the remaining sum of this savings account by this incident identification and fund;
Appropriate this autonomous interest rate investment-orientation whole-life insurance contract that operational module stops this proposer by this incident identification and fund;
If this insurant is not in danger after whole-life insurance is paid the fees expiration, then appropriates operational module and judge whether this proposer will ask neck to this investment in capital a/c that should the proposer or the remaining sum of this savings account by user's terminating machine by this incident identification and fund;
If this proposer will ask neck to this investment in capital a/c that should the proposer or the remaining sum of this savings account, then appropriate operational module and calculate and appropriate and give this proposer this investment in capital a/c that should the proposer or the remaining sum of this savings account by this incident identification and fund;
When this insurant is in danger, appropriates operational module by this incident identification and fund and calculate and appropriate this settlement of insurance claim amount of money to this beneficiary; And
Appropriate this autonomous interest rate investment-orientation whole-life insurance contract of this proposer of the termination of job by this incident identification and fund.
9. method as claimed in claim 8, wherein, appropriating operational module by this incident identification and fund assert this insurant's death, Complete Disability or meets the origin of an incident such as insurance money payment and appropriate this settlement of insurance claim gold and give this beneficiary to this investment in capital a/c that should the proposer or the remaining sum of this savings account.
10. method as claimed in claim 8, wherein, judge that this insurant is not in danger yet if appropriate operational module after whole-life insurance is paid the fees expiration, then appropriate operational module and appropriate please leading of the whole of selected this investment in capital a/c of this proposer or this savings account or part remaining sum by this incident identification and fund by this incident identification and fund.
11. the insurance platform of an autonomous interest rate investment-orientation whole-life insurance, a proposer can link this insurance platform by user's terminating machine, and this insurance platform comprises:
Module is handled and authorized to one declaration form, application in order to the autonomous interest rate investment-orientation whole-life insurance of accepting this proposer, receive a request for data of being filled in by this user's terminating machine with this proposer of audit, analyze a policy condition of autonomous interest rate investment-orientation whole-life insurance and provide the insurance scale combination of autonomous interest rate investment-orientation whole-life insurance to select for this proposer according to this application data of this proposer;
One independence interest rate is deposited by means of the competitive bidding module, in order to each time of the meeting at a competitive bidding issue of this insurance scale combination, import a bid amount of money to calculate an average deposit rate and an interest rate on borrowings by this proposer by this user's terminating machine, according to this independence interest rate deposit by means of the height of the balance of funding of competitive bidding module and this interest rate on borrowings with determine one standard gold volume and successful tenderer's number, get standard gold volume clearing one according to this and must mark total charge, and according to this an average interest rate on borrowings and a deposit standard gold, or the highest bid amount of money, or benchmark interest rate is settled accounts an amount deposited and a refund amount of money; And
One incident identification and fund are appropriated operational module, in order to judge whether an insurant is in danger before whole-life insurance is paid the fees expiration or after the expiration of paying the fees, and calculate the remaining sum of a settlement of insurance claim amount of money and this investment in capital a/c or this savings account or calculate the remaining sum of this investment in capital a/c or this savings account, this remaining sum for this investment in capital a/c through being somebody's turn to do of investment a Net asset value of mark total charge is deducted the present worth of this amount deposited of the total refund amount of money in the residue time of the meeting or this savings account again.
12. insurance platform as claimed in claim 11 further comprises:
Module is handled and authorized to this declaration form, in order to when the autonomous interest rate investment-orientation whole-life insurance of checking and approving that this proposer applies for, produces this proposer's policy information, and collect an insurance premium and authorize a declaration form to this proposer to this proposer;
This independence interest rate is deposited by means of the competitive bidding module, in order to complete a business transaction this mark total charge to deposit this investment in capital a/c in, to complete a business transaction this amount deposited to deposit this savings account in and to complete a business transaction this refund amount of money; And
This incident identification and fund are appropriated operational module, give this proposer in order to the remaining sum that the remaining sum of appropriating this settlement of insurance claim amount of money and this investment in capital a/c or this savings account is given a beneficiary or appropriated this investment in capital a/c or this savings account;
One database, in order to handle and to authorize this proposer's of module access data such as this application data, this policy information, this policy condition and this insurance scale combination by declaration form, by this independence interest rate deposit by means of the access of competitive bidding module should the bid amount of money, this average deposit rate, this interest rate on borrowings, this balance of funding, be somebody's turn to do standard gold volume and successful tenderer's number, this deposit standard gold, the highest bid amount of money, this amount deposited, be somebody's turn to do data such as mark total charge, this investment and this savings account, appropriate operational module access incident identification and fund by this incident identification and fund and data such as appropriate; And
One management of investment operational module, in order to being somebody's turn to do of this investment in capital a/c of management of investment the mark total charge, show investment target, a profit and loss on investments and this Net asset value via this user's terminating machine through the management of investment gained, and with described data storing to this database.
13. insurance platform as claimed in claim 11, wherein, this application data that this proposer is filled in by this user's terminating machine are an insurant health, health, medical record data, life and working attributes, this proposer and this insurant's employment state, gained level, financial position and can be for the relevant information of the condition of accepting insurance of judging this proposer with this insurant's risk partiality degree, this declaration form processing and authorize module with described data storing in this database.
14. insurance platform as claimed in claim 11, wherein, this policy condition of module analysis is handled and authorized to this declaration form, with the amount of money of always paying the fees that produces that this proposer insured, this settlement of insurance claim amount of money, the condition and the content of insurance contracts such as one declaration form type, module is handled and authorized to this declaration form, and this insurance scale combination of autonomous interest rate investment-orientation whole-life insurance is provided is to analyze the declaration form amount of money of always paying the fees according to the employment state in this proposer's the request for data and financial position, and produce at least one should the insurance scale combination select for this proposer, this insurance scale combination comprises the time limit of paying the fees, this competitive bidding issue, this insurance premium that one competitive bidding meeting gold and each phase should pay, this declaration form are handled and are authorized module this policy condition and the combination of this insurance scale are stored in this database.
15. insurance platform as claimed in claim 11, wherein, this declaration form is handled and is authorized module and authorizes this declaration form and an account number and password to this proposer, this proposer participates in competitive bidding by this user's terminating machine login account and password to enter this insurance platform, this declaration form processing and authorize module this declaration form and account and password are stored in this database.
16. insurance platform as claimed in claim 11, wherein, this independence interest rate is deposited by means of the competitive bidding module and is carried out the following step:
The amount of money that calculating should be deposited all these proposers that lose a bid of time point of opening of bid deduct this time point all get this proposer of target must the standard gold volume, and this must be stored to this database by the standard gold volume;
Before the judgement once this balance of funding of time point of opening of bid add this opening of bid this balance of funding of time point whether smaller or equal to zero, and the balance of funding after will calculating is stored to this database;
According to this bid amount of money of this proposer who submits a tender with read a selected standard gold that should the combination of insurance scale from this database and calculate this interest rate on borrowings, and the height of this interest rate on borrowings of this proposer of all bids sorted, and this interest rate on borrowings is stored to this database; And
According to the height of this interest rate on borrowings of this proposer who reads this balance of funding and bid from this database with decision be somebody's turn to do standard gold volume and successful tenderer's number, and will be somebody's turn to do to such an extent that standard gold volume and successful tenderer's number are stored to this database;
Wherein, calculate two kinds of calculating formulas of the amount of money of all depositors' total amount deposited, the required deposit of unsuccessful bidder:
Interest is payment earlier: U-IX n
Pay after the interest: U
Calculate two kinds of calculating formulas that this of winning bidder must standard gold:
Interest is payment earlier: A n=(U-I n) * (N-n)+U * (n-1)
Pay after the interest: A n = U × ( N - n ) + U × ( n - 1 ) + Σ i = j n - j I i
Calculate the interest rate on borrowings R that submits a tender when time point, and corresponding all bidder's interest rate on borrowings is sorted from high to low;
But find out the calculating formula of winning bidder's minimum number:
Min【n|B n+X≤0】
Calculate the calculating formula of this refund amount of money:
Interest is payment earlier: U
Pay after the interest: U+I n
When but successful tenderer's number is n, this amount deposited IA that calculating must the mark person nTwo kinds of calculating formulas:
Interest is payment earlier: (U-IA n) * (1+R a) N-n=U
Pay after the interest: U * (1+R a) N-n=U+IA n
Get timestamp as the bidder, calculate this amount deposited IA nTwo kinds of calculating formulas:
Interest is payment earlier: U-IA n
Pay after the interest: U
When no bidder must mark but the bidder has following timestamp, calculate two kinds of calculating formulas of this amount deposited:
Interest is payment earlier: U-IH n
Pay after the interest: U
When no bidder must mark and the bidder there is no down timestamp, calculate two kinds of calculating formulas of this amount deposited:
Interest is payment earlier: U-IX n
Pay after the interest: U
Wherein,
U is a competitive bidding upper limit;
IX nFor calculate the depositor's who gets deposit standard gold according to the benchmark interest rate of n phase;
A nFor the winning bidder gets target in the n phase must standard gold;
N is the competitive bidding issue;
N is an existing issue, and n≤N;
I nBe the get standard gold volume of winning bidder in the n phase;
I iThe amount of money of depositing in the i phase for the depositor, and i＜n;
R is that the depositor is in the average deposit rate of the 1st～i phase;
R is an interest rate on borrowings;
B nBe the balance of funding when this time point successful tenderer number is n;
X is the balance of funding of last time point;
IA nFor calculate the depositor's who gets amount deposited according to the average interest rate on borrowings of n phase;
R aIt is an average interest rate on borrowings.
IH nThe highest bid amount of money of losing a bid the n phase for the bidder;
IX nFor calculate the depositor's who gets amount deposited according to the benchmark interest rate of n phase.
17. insurance platform as claimed in claim 11, wherein, this incident identification and fund are appropriated operational module and are carried out the following step:
Judge whether this insurant is in danger before whole-life insurance is paid the fees expiration;
If this insurant is in danger before whole-life insurance is paid the fees expiration, then calculates and appropriate this settlement of insurance claim amount of money and give this beneficiary this investment in capital a/c that should the proposer or the remaining sum of this savings account;
Stop this autonomous interest rate investment-orientation whole-life insurance contract of this proposer;
If this insurant is not in danger, judge then whether this insurant is in danger after whole-life insurance is paid the fees expiration before whole-life insurance is paid the fees expiration;
If this insurant is in danger after whole-life insurance is paid the fees expiration, then calculates and appropriate this settlement of insurance claim amount of money and give this beneficiary this investment in capital a/c that should the proposer or the remaining sum of this savings account;
Stop this autonomous interest rate investment-orientation whole-life insurance contract of this proposer;
If this insurant is not in danger, judge then whether this proposer will ask neck to this investment in capital a/c that should the proposer or the remaining sum of this savings account by this user's terminating machine after whole-life insurance is paid the fees expiration;
If this proposer will ask neck to this investment in capital a/c that should the proposer or the remaining sum of this savings account, then calculate and appropriate and give this proposer this investment in capital a/c that should the proposer or the remaining sum of this savings account;
Keep effectively this autonomous interest rate investment-orientation whole-life insurance contract;
When this insurant is in danger, calculates and appropriate this settlement of insurance claim amount of money and give this beneficiary; And
Stop this autonomous interest rate investment-orientation whole-life insurance contract of this proposer.
18. insurance platform as claimed in claim 17, wherein, this incident identification and fund are appropriated operational module and are assert this insurant's death, Complete Disability or meet the settlement of insurance claim amount of money payment origin of an incident to appropriate this settlement of insurance claim amount of money and to give this beneficiary to this investment in capital a/c that should the proposer or the remaining sum of this savings account.
19. insurance platform as claimed in claim 17, wherein, this incident identification and fund are appropriated operational module and judge that this insurant is not in danger yet after whole-life insurance are paid the fees expiration, and then this proposer can select to appropriate operational module to this incident identification and fund and please lead this investment in capital a/c that should the proposer or the whole or part remaining sum of this savings account.
CN200910003687A 2009-01-19 2009-01-19 Method and insurance platform for self-interest-rate investment-oriented whole-life insurance Pending CN101783006A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN200910003687A CN101783006A (en) 2009-01-19 2009-01-19 Method and insurance platform for self-interest-rate investment-oriented whole-life insurance

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
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Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102999868A (en) * 2011-09-16 2013-03-27 美国友邦保险有限公司 Insurance contract operating system, insurance contract operating method and business management tool on basis of cloud computing
CN108242014A (en) * 2017-12-26 2018-07-03 平安科技（深圳）有限公司 Sale processing method, apparatus, storage medium and the terminal of insurance products
CN108734586A (en) * 2011-05-30 2018-11-02 传康证券有限公司 Financial management system
WO2020000769A1 (en) * 2018-06-28 2020-01-02 平安科技（深圳）有限公司 Block chain-based medical insurance claim settlement method, system and computer device
CN111105304A (en) * 2019-11-19 2020-05-05 泰康保险集团股份有限公司 Data processing method and device, storage medium and electronic terminal
CN112950391A (en) * 2021-04-06 2021-06-11 郑州科技学院 Investment planning system based on big data

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108734586A (en) * 2011-05-30 2018-11-02 传康证券有限公司 Financial management system
CN102999868A (en) * 2011-09-16 2013-03-27 美国友邦保险有限公司 Insurance contract operating system, insurance contract operating method and business management tool on basis of cloud computing
CN108242014A (en) * 2017-12-26 2018-07-03 平安科技（深圳）有限公司 Sale processing method, apparatus, storage medium and the terminal of insurance products
WO2020000769A1 (en) * 2018-06-28 2020-01-02 平安科技（深圳）有限公司 Block chain-based medical insurance claim settlement method, system and computer device
CN111105304A (en) * 2019-11-19 2020-05-05 泰康保险集团股份有限公司 Data processing method and device, storage medium and electronic terminal
CN112950391A (en) * 2021-04-06 2021-06-11 郑州科技学院 Investment planning system based on big data

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