陕西省保险需求影响因素实证研究

发布时间：2018-01-31 08:05

本文关键词： 保险业影响因素保费收入回归分析　出处：《西安电子科技大学》2014年硕士论文　论文类型：学位论文

【摘要】：在我国经济快速发展的带动下，我国保险业也取得了快速的发展。我国从1980年恢复了保险业后，保险业的发展更加迅速。从1980年到2011年，我国保费收入从4.6亿元增至14339.25亿元，2004年保险业首先结束了其入市的过渡期，进入了对外开放的阶段。经历三十年对外开放之路，中国的保险业逐渐实现了与保险市场和国际金融的接轨，保险业也已经成了我国的国民经济重要的一部分。到2011年，，我国保险业的总资产已达59828.94亿元，保险业的发展潜力巨大，尤其是2008年开始，地震、冰灾、流感、台风等灾害的频繁发生，更加显示了保险业的重要性，也加大了居民对保险产品的需求。本文在对我国保险现状分析的基础上对陕西省的保险发展现状进行分析。采用定性分析与定量分析相结合，理论分析与实证分析相结合对陕西省的保险发展进行实证分析。首先通过横向比较分析陕西省和北京市及全国的保险发展差异，通过纵向比较进一步对陕西省的保险发展现状与其过去发展情况进行分析。再运用聚类分析方法分析陕西省保险需求在全国所处的发展水平。然后分析陕西省保险需求的影响因素，建立多元回归模型进行实证分析。对于财产险采用SPSS软件的岭回归进行分析以研究财产险的影响因素；人身险采用逐步回归法进行分析找出对人身险有显著影响的因素。最后在对实证分析结果进行分析的基础上提出进一步促进陕西省保险需求的政策建议。
[Abstract]:Driven by the rapid economic development of our country, the insurance industry of our country has also made rapid development. After the insurance industry resumed in 1980, the insurance industry developed more rapidly. From 1980 to 2011. China's insurance revenue increased from 460 million yuan to one tillion four hundred and thirty-three billion nine hundred and twenty-five million yuan. In 2004, the insurance industry first ended its transitional period of entering the market and entered the stage of opening to the outside world. China's insurance industry has gradually realized the integration with the insurance market and international finance, the insurance industry has also become an important part of our national economy. By 2011. The total assets of the insurance industry in China have reached five tillion nine hundred and eighty-two billion eight hundred and ninety-four million yuan, and the development potential of the insurance industry is enormous, especially the frequent occurrence of earthquakes, ice disasters, influenza, typhoons and other disasters since 2008. More shows the importance of the insurance industry, but also increased the demand for insurance products. Based on the analysis of the present situation of insurance in China, this paper analyzes the present situation of insurance development in Shaanxi Province, and combines qualitative analysis with quantitative analysis. Theoretical analysis and empirical analysis of Shaanxi Province combined with the development of insurance empirical analysis. First, through horizontal comparison analysis of Shaanxi Province and Beijing and the national differences in insurance development. This paper further analyzes the present situation and past development of insurance in Shaanxi Province through longitudinal comparison, and then analyzes the development level of insurance demand in Shaanxi Province in the whole country by means of cluster analysis method, and then analyzes the level of insurance development in Shaanxi Province. Influencing factors of risk demand. To analyze the influence factors of property insurance by using the Ridge regression of SPSS software. Life insurance is analyzed by stepwise regression method to find out the factors that have significant influence on life insurance. Finally, on the basis of analyzing the results of empirical analysis, some policy suggestions are put forward to further promote the insurance demand in Shaanxi Province.
【学位授予单位】：西安电子科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.7

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