Research On Stochastic Endowment Insurance Model And Its Parameters

Firstly,the article constructs a stochastic model dominated by stochastic differential equations based on the generation overlap model.The model is a good way to describe the relationship between them.At the same time,based on this model,we use Matlab software to quantify the impact of household savings growth rate and population birth rate on the consumption of old-age insurance,and the conclusion that the change of household savings rate and small-scale birth rate does not affect the trend of consumption of two periods.Then,the personal utility function of the dependency rate,the support rate and the number of children is established,and the social welfare function is introduced.Based on the above personal utility function and the model of the old-age insurance model,To derive the social pooling ratio that includes the dependency rate,the support rate and the number of children.Finally,the empirical analysis of the dependency rate,the support rate,the number of children on the social pool of the impact of the degree of replacement rate,the support rate of the optimal social pool replacement rate is not as high as possible,and "comprehensive two children" Reduce the optimal social pooling ratio of 1.5 percentage points,and it is possible to achieve a dynamic balance and other related conclusions...