PROPER PREMIUM CALCULATING METHOD IN LIFETIME LOAN GUARANTEE MERCHANDISE WITH FINANCIAL ASSET AS SECURITY, COMPUTER PROGRAM FOR PERFORMING SUCH METHOD IN COMPUTER, AND RECORDING MEDIUM WITH THE PROGRAM RECORDED

摘要

PROBLEM TO BE SOLVED: To provide a premium calculating method which reduces a risk at a side for paying loan proceeds when the loan proceeds payment side takes a risk for a drop below the security of financial assets at the point of time for settlement in the case of paying prescribed lifetime loan proceeds to a customer. SOLUTION: The plurality of customers are virtually assumed in simulation. Interest to be applied in each period is estimated and the total of the present value of the load proceeds to be paid to the customer till the time point of settlement with the present value of the financial assets in the case of adjustment is obtained through the use of the estimated interest. Then, the expectation value of the present value is calculated at the payment side. The total of the loan proceeds of each customer including premium at each period at the time point of settlement is obtained by using a prescribed interest and, then, an assumed settlement money amount of each customer at the time point of settlement is calculated. The value of the financial assets of the customer is calculated in the case of settlement through the use of the prescribed interest and the present value of a money amount which is smaller between the assumed settlement money amount and the value of the financial assets is calculated so that the value of premium is decided.