人口老龄化对寿险需求的影响研究——基于辽宁省数据的实证分析

发布时间：2018-06-16 04:17

本文选题：人口老龄化 + 寿险需求　；参考：《人口与经济》2013年03期

【摘要】：人口老龄化问题越来越引起社会各界的广泛关注,本文以人口老龄化为研究背景,从人口老龄化的指标入手,对辽宁省人口老龄化的特征进行了研究,发现辽宁省人口老龄化程度日趋加强,表现为老年抚养指数明显增强,少儿抚养指数明显降低。然后,本文结合寿险需求理论,提出人口老龄化会引起居民对寿险产品需求的增加,并结合辽宁省寿险产品保费收入情况,对人口老龄化导致寿险需求增加的问题进行了实证研究,认为人口老龄化会使居民对寿险需求的渴望程度增强,寿险产品开发和发展有一定的需求空间和需求市场。
[Abstract]:The problem of population aging has attracted more and more attention from all walks of life. In this paper, the characteristics of population aging in Liaoning Province are studied from the indicators of population aging, with the background of population aging as the research background. It is found that the aging degree of population in Liaoning Province is becoming more and more intensive, which shows that the old age raising index is obviously enhanced, and the children's raising index is obviously decreasing. Then, based on the theory of life insurance demand, this paper puts forward that the aging of population will cause the increase of residents' demand for life insurance products, as well as the insurance premium income of life insurance products in Liaoning Province. This paper makes an empirical study on the problem of the increasing demand for life insurance caused by the aging of the population, and holds that the aging of the population will strengthen the desire of the residents for life insurance, and there is a certain demand space and market for the development and development of life insurance products.
【作者单位】：渤海大学财政金融研究中心;中国社会科学院农村发展研究所;东北财经大学金融学院;
【基金】：辽宁省财政基金项目“财政分权视角下辽宁社会保障财政支付能力研究”(12C006) 辽宁省社会科学基金项目“辽宁新型农村社会养老保险试点跟踪研究”(L11BJY012) 辽宁省保险学会课题“人口老龄化对辽宁寿险需求的影响研究”(2013iilzkt07)
【分类号】：F842.6;F224

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