安徽省人身保险市场需求研究

发布时间：2018-03-21 23:04

本文选题：安徽省　切入点：人身保险　出处：《重庆大学》2013年硕士论文　论文类型：学位论文

【摘要】：保险与地区经济和人民生活密切相关，保险业是国民经济中最为重要的行业之一。我国的保险业从1980年恢复以来发展迅速，年平均增长速度在30%以上。与此同时，安徽省人身保险市场成长迅速，已初具规模，2012年底安徽省人身保险市场的保费收入达到284.55亿元，在全国31个省市中居于第12位。但是在经历过去一段时间快速发展后，安徽省人身保险市场从2011年起连续两年出现负增长，与全国人身保险市场发展趋势相背离。面对市场整体下滑的状况，如何找出安徽省人身保险市场需求的特点，并且以此为突破口开发出具有竞争优势的人身保险产品赢得居民的需求，已成为目前安徽省人身保险公司急需解决的问题。此外，如何最大程度的发掘安徽省人身保险市场的潜力，提升居民对人身保险的需求，维持其健康持续的增长，亦成为安徽省人身保险市场监管机构和政府必须解决的头等大事。因此，对安徽省人身保险公司、保险监管结构和政府来说，关于安徽省人身保险市场需求的研究具有极为重要的现实和实践价值。目前国内外学者大多从国家层面对于人身保险市场需求进行研究，而从区域层面研究人身保险市场需求的文献较少，以安徽省人身保险市场为研究对象的研究更少。本文将安徽省人身保险市场作为研究对象，以区域内的实际情况和真实数据为支撑，运用人身保险市场需求理论建立模型，并且利用计量软件Eviews6.0对安徽省人身保险市场需求进行实证分析，并且针对实证的结果提出相应的建议，该研究也更具有理论和现实意义。文章有六个部分组成，第一部分，绪论，，首先对文章的研究背景和研究意义进行阐述，给出文章的研究目的，并且在对国内外关于人身保险需求的文献进行梳理和分析基础上，指出文章的研究方法和创新之处；第二部分界定了人身保险的概念，解释了人身保险需求的含义，归纳和研究了与人身保险需求相关的理论，并且从理论上给出影响人身保险需求的因素；第三部分对安徽省人身保险市场需求的现状进行分析，指出安徽省人身保险需求状况的特点；第四部分从安徽省的实际情况出发，利用相关知识，描述和分析经济环境因素、社会环境因素、制度政策因素以及与人身保险行业相关的因素对安徽省人身保险需求的影响；第五部分使用安徽省1984-2012年的相关数据，利用计量模型实证分析了安徽省人身保险市场需求，并且指出了影响安徽省人身保险需求的主要因素及其影响的方向和大小；第六部分，总结前文的研究，并且针对研究的结果提出相应的政策建议。
[Abstract]:The insurance industry is one of the most important industries in the national economy. China's insurance industry has developed rapidly since 1980, with an average annual growth rate of more than 30 percent. The life insurance market in Anhui Province has grown rapidly, and has begun to take shape. At the end of 2012, the premium income of the personal insurance market in Anhui Province reached 28.455 billion yuan, ranking 12th among the 31 provinces and cities in the country. However, after a period of rapid development in the past period of time, The personal insurance market in Anhui Province has experienced negative growth for two consecutive years since 2011, which deviates from the development trend of the national personal insurance market. In the face of the overall decline of the market, how to find out the characteristics of the demand for the personal insurance market in Anhui Province, And with this as a breakthrough to develop a life insurance product with a competitive advantage to win the needs of residents, has become the current Anhui Province life insurance company urgently need to solve the problem. How to maximize the potential of the life insurance market in Anhui Province, enhance the residents' demand for personal insurance, and maintain its healthy and sustained growth, Therefore, for Anhui Province's personal insurance companies, insurance regulatory structure and the government, The research on the market demand of life insurance in Anhui Province is of great practical and practical value. At present, most scholars at home and abroad study the market demand of personal insurance from the national level, but the literature on the demand of life insurance market from the regional level is less. This paper takes the life insurance market of Anhui Province as the research object, taking the real situation and the real data in the area as the support, and establishes the model by using the theory of the demand of the personal insurance market. This paper also makes an empirical analysis on the demand of Anhui Province's personal insurance market by using the econometric software Eviews6.0, and puts forward corresponding suggestions for the empirical results. This research has more theoretical and practical significance. There are six parts of the article, the first part, introduction, first of all, the research background and significance of the article are expounded, and the purpose of the article is given. The second part defines the concept of personal insurance, explains the meaning of the demand for personal insurance, and points out the research methods and innovations of the article. The second part defines the concept of personal insurance, explains the meaning of the demand for personal insurance. Induces and studies the theories related to the demand for personal insurance, and theoretically gives the factors that affect the demand for personal insurance. The third part analyzes the current situation of the demand for personal insurance in Anhui Province. It points out the characteristics of the demand for personal insurance in Anhui Province. The fourth part describes and analyzes the economic and social environmental factors by using relevant knowledge from the actual situation in Anhui Province. The fifth part uses the relevant data of Anhui Province from 1984 to 2012 to analyze the market demand of personal insurance in Anhui Province by using the econometric model. And pointed out the main factors affecting the demand for life insurance in Anhui Province, and the direction and size of the impact; part VI, summarized the previous study, and the results of the study to put forward the corresponding policy recommendations.
【学位授予单位】：重庆大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842

【参考文献】