Особенности динамики и компоненты снижения смертности в Москве в 1989-2017 гг.
Moscow is the region with the highest life expectancy in Russia. The country’s largest city, it has high incomes, a special population structure and a high concentration of all resources, including in the healthcare sector, which is given special attention by the city authorities. In some periods, the changes in life expectancy in Moscow have been unique compared to most other regions of Russia. The difference in life expectancy between Moscow and Russia in the period from the mid-1990s to the mid-2000s was mainly due to lower mortality in middle age. Since the mid-2000s, the main contribution to the difference in life expectancy has been shifting to old age mortality. Given the overall rapid decline of mortality in Moscow since then, changes in the mortality rates and life expectancy of certain age groups seem implausible. The quality of population and mortality data has a significant impact on the accuracy of estimates of mortality indicators and requires special attention in the case of Moscow. In particular, the number of people at advanced ages in Moscow is likely to be overestimated, which affects mortality rates in this age group. Peculiarities of mortality by causes of death in Moscow generally correspond to the average Russian trends; however, in Moscow a more rapid decrease in mortality from neoplasms is observed, as well as more realistic age-specific death rates in older age groups.
Regional variation of all features of mortality is quite significant. Being noted for many decades The North-Ost gradient of increased mortality rate continues its trend. In a time despite essential regional variation of mortality the difference in the orientation of its dynamic is not significant at all. An important condition for development of measures to ensure a decrease of mortality rate is information on social and demographic factors.
The monograph is devoted to the problems arising in the analysis of demographic processes, the calculation of net rates and assessment of reserves in the major life insurance contract. The results of studies involving various related parties of the analyzed issues. For example, given a detailed comparative analysis of pre- and disadvantages of organization of the insurance market in Russia and abroad. With used - vaniem various techniques built a ranking of countries in terms of development of the market under study.
The basis of actuarial calculations in the basic life insurance contracts are demo graphic processes: in particular, information about the mortality rate. The foundation for the construction of a net rates and valuation reserves in the life insurance contract is the data of mortality tables, which are based, in turn, is an indicator of how Vero die before reaching next age interval. In this regard, the authors present the theoretical aspects of the construction of the net rates and valuation reserves in life insurance contracts. The paper discusses methods of constructing mortality tables , raised the problem of statistical analysis of demographic processes in actuarial calculations, an overview of the basic formulas used to derive the net rates and valuation reserves in life insurance contracts.
The authors of the classification of the Russian Federation in terms of economic and demographic character. Some representatives of the obtained clusters The results of the study of the dynamics of demographic processes. It analyzes the main trends in life expectancy at age and sex and the regional context.
Of course, the authors have paid special attention to the analysis of the impact of demographic, financial factors on change of the tariff policy of life insurance contracts, as well as the impact on the rate and size of the allowance conditions of the contract. The research data for the city of Moscow as a financial and information center of Russia, which significantly affects the development of the insurance market as a whole (not only in the life insurance sector).
The results of these studies may be interested in a wide range of professionals in the field of economics, actuarial calculations in life insurance analysts.
In the article authors use the vital birh and death registration data on 10 regions exctracted from the Rosstat database to evaluate an input of international migrant into Russian fertility and mortality levels.
The article deals with longevity risk, which is faced by non-state pension funds, and possible methods of its management. Longevity risk arises from uncertainty in future mortality trends and is related with the guaranteed lifelong pension payments. The emphasis is put on the impact of this risk on solvency of non-state pension funds. Results of the estimation show, that the effect is quite significant and longevity risk has to be controlled. Two possible methods of risk management for longevity risk are discussed: special reserves and life expectancy forecasting.