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ÇÊ¿ä ÀºÅðÀÚ±Ý (8) | ¸ñ·Ïº¸±â | | | ¿ä¾àº¸±â | | | ÆîÃ帱â |
ÀºÅðÀÚ±Ý °è»ê °ø½ÄÀÇ ¹®Á¦Á¡? ÇÊ¿äÇÑ ÀºÅðÀÚ±ÝÀ» °è»êÇϱâ À§Çؼ´Â ¾ðÁ¦ Á×À»Áö¸¦ °¡Á¤ÇØ¾ß ÇÕ´Ï´Ù. ƯÁ¤ ³ªÀÌ(¿¹¸¦µé¾î 90»ì)±îÁö »ê´Ù°í °¡Á¤ÇßÀ» ¶§ ÇÊ¿äÇÑ ÀºÅðÀÚ±ÝÀ» °è»êÇÒ ¼ö ÀÖ½À´Ï´Ù. ÇÏÁö¸¸ ¼±ÅÃÇÑ Æ¯Á¤ ³ªÀ̱îÁö »ì°ÔµÉÁö ¾Æ´Ï¸é ±× ÀÌ»ó ¿À·¡ »ì°Ô µÉÁö¿¡ ´ëÇÑ ÃæºÐÇÑ °ËÅä°¡ ¾ø½À´Ï´Ù. °õÆä¸£Ã÷ÀÇ The Law of Human Mortality 200³â Àü¿¡ °õÆä¸£Ã÷(Benjamin Gompertz)°¡ ¡®¼ºÀÎÀº Á×À»¶§±îÁö ¸Å³â 9%¾¿ »ç¸Á·üÀÌ Áõ°¡ÇÑ´Ù¡¯´Â »ç¸ÁÀÇ ±ÔÄ¢À» ¹ß°ß Çß½À´Ï´Ù. °õÆä¸£Ã÷ »ç¸Á °ø½ÄÀ» ÀÌ¿ëÇÏ¸é Æ¯Á¤ ³ªÀÌ(¿¹: 90, 95, ¶Ç´Â 100)¿¡ ³»°¡ »ì¾Æ ÀÖÀ» È®·üÀ» ±¸ÇÒ ¼ö ÀÖ½À´Ï´Ù. ![]() ? x: your current age ? t: the number of years you might still alive ? m: the model value of human life(ex: 87.25 years) ? b: the dispersion coefficient of human life(ex: 9.5 years) °õÆä¸£Ã÷ »ç¸ÁÇÔ¼ö¸¦ ÀÌ¿ëÇÑ Æ¯Á¤ ³ªÀÌ¿¡ Á×À» È®·ü °è»ê ¿ì¼± ÇöÀç 57¼¼ÀÎ »ç¶÷ÀÌ 90¼¼±îÁö »ì È®·üÀ» °è»êÇØ º¸°Ú½À´Ï´Ù. ÇöÀç 57¼¼ÀÓÀ¸·Î x=57, 90¼¼°¡ µÇ·Á¸é 33³âÀ» »ì¾Æ¾ßÇÏ´Ï t=33( 90 ? 57 ), ±×¸®°í, m=87.25, b=9.5¸¦ À§ÀÇ °ø½Ä¿¡ ´ëÀÔÇÏ¿© °è»êÇÏ¸é µË´Ï´Ù. t/b = 3.4736, e3.4736 = 32.252643213766°¡ µÇ°í, ![]() ¿ìº¯À» °è»êÇϸé -31.255 * 0.04141 = -1.29431 °¡ µË´Ï´Ù. ÀÚ¿¬ ·Î±× ln[p]¿¡¼ È®·ü p¸¦ ±¸Çϱâ À§Çؼ´Â e-1.29431¸¦ °è»êÇÏ¸é µË´Ï´Ù. ![]() e-1.29431 = 0.27408691907422 = 27.41% °¡ µË´Ï´Ù. Áï 90¼¼±îÁö »ì È®·üÀº 27.41%ÀÔ´Ï´Ù. ´ÙÀ½À¸·Î 57¼¼ÀÎ »ç¶÷ÀÌ 100¼¼±îÁö »ì È®·üÀ» °è»êÇØ º¸°Ú½À´Ï´Ù. ÇöÀç 57¼¼ÀÓÀ¸·Î x=57, 100¼¼°¡ µÇ·Á¸é 43³âÀ» »ì¾Æ¾ßÇÏ´Ï t=33( 90 ? 57 ), ±×¸®°í, m=87.25, b=9.5¸¦ À§ÀÇ °ø½Ä¿¡ ´ëÀÔÇÏ¿© °è»êÇÏ¸é µË´Ï´Ù. ¿ìº¯À» °è»êÇϸé (-31.255) * 0.04141 = -3.78568 °¡ µË´Ï´Ù. ÀÚ¿¬ ·Î±× ln[p]¿¡¼ È®·ü p¸¦ ±¸Çϱâ À§Çؼ´Â e-3.78568¸¦ °è»êÇÏ¸é µË´Ï´Ù. e-3.78568 = 0.022693425999142 = 2.27%°¡ µË´Ï´Ù. Áï 100¼¼±îÁö »ì È®·üÀº 2.27%ÀÔ´Ï´Ù. Ŭ¸¯ >>> Exponent Calculator ±×·³, °¢ÀÚ 80, 90, 100»ì±îÁö »ì°ÔµÉ È®·üÀ» °è»êÇØ º¸½Ê½Ã¿ä^^ ³»°¡ ¿¹»óÇÏ´Â Á×À» ³ªÀÌ´Â? 80, 90, 100»ì±îÁö »ì°ÔµÉ È®·üÀ» ±¸Çغ¸¸é Çö½ÇÀûÀ¸·Î ¾î´ÀÁ¤µµ ³ªÀ̱îÁö ±â´ë¼ö¸íÀ¸·Î »ý°¢ÇÏ¸é µÉÁö °¨À» ÀâÀ» ¼ö ÀÖÀ» °Ì´Ï´Ù. °¢ÀÚ °¨´ç °¡´ÉÇÑ ¸®½ºÅ© ·¹º§ ¼öÁØ¿¡¼ ±â´ë ¼ö¸íÀ» Á¤Çϰí, Á¤ÇØÁø ¼ö¸í¿¡ ¸ÂÃß¾î ÇÊ¿äÇÑ ÀºÅðÀÚ±ÝÀ» °è»êÇÏ¸é µË´Ï´Ù. ¸¸¾à, ¿¹»óÇÑ Á×À» ³ªÀ̺¸´Ù ¿À·¡ »ì °æ¿ì¸¦ ´ëºñÇØ¼´Â ÀÏÁ¾ÀÇ º¸ÇèÀ¸·Î delayed pensionÀ» ±¸ÀÔÇØ ³õÀ¸¸é µË´Ï´Ù. ÀºÅð ÀÚ±Ý °ü·Ã ±Ûµé
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