我国居民人寿保险需求的调查分析

发布时间：2018-06-25 23:33

本文选题：人寿保险需求 + 人口统计学　；参考：《金融理论与实践》2013年01期

【摘要】：借助中国家庭金融调查项目所提供的大样本、高质量的微观数据,分析我国居民人寿保险的需求状况,从人口统计学变量、文化和心理因素、保障方式等方面考察了我国居民在寿险投保率、投保时所选择的具体险种以及主要险种投保金额上的差异,并解释其原因。国内以往从个体层面研究寿险需求问题的并不多,希望此次研究能为后续相关研究提供一定的启发和参考。
[Abstract]:With the help of the large sample and high quality microdata provided by the Chinese Household Financial Survey Project, this paper analyzes the demand for life insurance of Chinese residents from demographic variables, cultural and psychological factors. This paper examines the differences in the life insurance rate, the specific types of insurance and the amount of insurance coverage of the main types of insurance in China, and explains the reasons for the differences. In the past, there were not many researches on life insurance demand from the individual level in China. I hope this study can provide some inspiration and reference for the follow-up research.
【作者单位】：北京大学经济学院;西南财经大学保险学院;
【基金】：中国保险学会“教保”研究基金(jiaobao2011-07)
【分类号】：F842.6

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