我国城市化差异对寿险需求的影响研究

发布时间：2018-02-04 18:34

本文关键词： 城市化寿险密度潜在需求面板模型　出处：《兰州商学院》2014年硕士论文　论文类型：学位论文

【摘要】：城市化是由农业为主的传统乡村社会向以工业和服务业为主的现代城市社会逐渐转变的历史过程。城市化是我国经济社会发展的显著特征，2011年我国城市化率达到50%，目前正处在城市化加速发展的阶段。国务院总理李克强曾指出：城镇化是未来十年我国经济发展的最大动力。在此背景下，随着城市人口数量增加、收入增加、观念转变及人口老龄化的到来，我国寿险业将迎来更为广阔的发展。但同时，目前我国各省（市、区）的城市化进程差别是很显著的，，而我国寿险业也呈现出很强的发展不均衡的状况。本文研究选取寿险公司为研究切入角度，以城市化差异下我国不同省（市、区）寿险需求为研究对象。在对城市化、寿险需求基本理论做出明确的基础上，通过定性分析，本文研究了城市化差异在人口城市化、经济城市化、社会城市化和环境城市化等方面对寿险需求的影响。本文通过搜集2006年至2012年我国31个省（市、区）关于城市化和寿险需求方面11个指标的数据，先通过因子分析将城市化体系10个指标简化成一个综合得分指标，然后通过面板数据模型考察了各省（市、区）城市化差异对寿险需求的影响。通过显著性检验，本文将31个省（市、区）划分为四个梯队，城市化差异对寿险需求的影响在北京、上海等8个第一梯队省（市、区）最为显著，在河北、浙江等10个第二梯队省（市、区）显著性次之，在内蒙古、新疆等8个第三梯队省（市、区）最弱、但仍然显著，在广西、宁夏、云南、贵州、西藏等则5个第四梯队省（市、区）不显著。进一步地，本文明确了各省（市、区）城市化差异和寿险需求的具体方程表达式，并对其做了具体分析。最后，本文提出了在我国城市化差异背景下，寿险公司为满足寿险需求应坚持以第一梯队省份为首务，第二梯队省份全面布局、抢占市场份额，第三梯队省份实时关注、在重点地区设立网点，第四梯队省份等待时机进入策略。同时，也要在产品设计、营销、服务、产业布局、制度建设等方面做出改进。
[Abstract]:Urbanization is a historical process from a traditional rural society dominated by agriculture to a modern urban society dominated by industry and services. Urbanization is a remarkable feature of the economic and social development of our country. In 2011, China's urbanization rate reached 50%. Premier Li Keqiang of the State Council has pointed out that urbanization is the biggest driving force of China's economic development in the next decade. In this context, with the increase of urban population, income increases. With the change of concept and the arrival of the aging population, the life insurance industry of our country will usher in a broader development. But at the same time, the difference of urbanization process between provinces (cities, districts) is very significant. But our country life insurance industry also presents the very strong development uneven condition. This paper selects the life insurance company as the research angle, takes the different province (city, district) life insurance demand of our country under the urbanization difference as the research object, makes the clear foundation to the urbanization, the life insurance demand basic theory. Through qualitative analysis, this paper studies the difference of urbanization in population urbanization and economic urbanization. The influence of social urbanization and environmental urbanization on life insurance demand. This paper collected 31 provinces (cities) from 2006 to 2012. On the data of 11 indicators of urbanization and life insurance demand, 10 indicators of urbanization system are simplified into a comprehensive score index by factor analysis. Then through panel data model to investigate the impact of urbanization on the demand for life insurance. Through the significance test, 31 provinces (cities, districts) are divided into four echelons. The influence of urbanization difference on life insurance demand is most significant in 8 first echelon provinces (cities and districts) such as Beijing and Shanghai, followed by 10 second echelon provinces (cities, districts) in Hebei and Zhejiang provinces, and in Inner Mongolia. Xinjiang and other 8 third echelon provinces (cities, districts) are the weakest, but still significant, while in Guangxi, Ningxia, Yunnan, Guizhou and Tibet, 5 4th echelon provinces (cities, districts) are not significant. This paper clarifies the specific equation expression of urbanization difference and life insurance demand of each province (city and district), and makes a concrete analysis on it. Finally, this paper puts forward that under the background of urbanization difference in our country. In order to meet the life insurance demand, the life insurance company should adhere to the first echelon province, the second echelon province overall layout, occupy the market share, the third echelon province real-time concern, set up the network in the key area. The 4th echelon provinces wait for the opportunity to enter the strategy. At the same time, they should also make improvements in product design, marketing, service, industrial layout, system construction and so on.
【学位授予单位】：兰州商学院
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.62;F299.2

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