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台灣長壽風險債券設計與評價
Journal article

台灣長壽風險債券設計與評價

永郎 張, 子晧 蔡 and 思孟 廖
期貨與選擇權學刊 期貨與選擇權學刊, Vol.5(1), pp.79-100
01/05/2012

Abstract

長壽風險;長壽債券;壽命連結商品;隨機死亡率;Longevity risk;Longevity bond;Mortality-linked securities;Stochastic mortality rate

Longevity risk is defined as the uncertainty of mortality improvement in the future. It is a significant phenomenon that the average life span is getting longer than expected, especially among higher aged (elderly) people. Recently, the mortality-linked securities star to be prevalent in the financial markets. Financial institutions successfully transfer the mortality risk to the capital market by means of these securitizations. This paper intends to derive the reasonable market price of longevity bond and the market price of longevity risk as a reference to the mortality securitizations in Taiwan. The stochastic mortality and model parameter uncertainty are taken into consideration. We show how the risk-neutral valuation is applied on longevity bond. Last, we demonstrate an issuance of longevity bond in Taiwan as an example.

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