我国寿险需求影响因素地区差异化研究
发布时间：2018-08-25 08:36
【摘要】：我国实行改革开放政策以来，伴随着经济的不断发展和人民生活水平的持续稳步提高，保险业在快速发展，，特别是寿险业自1982年恢复运营以后一度发展迅猛。然而近几年寿险业保费收入增长趋缓，出现了寿险业发展以来少有的增长速度下滑现象，这与过去十几年的“大跃进”式增速形成了鲜明的对比。此外，我国的特殊文化和地理环境使得全国以及东部、中部和西部地区寿险发展存在差距。这一情况可能是我国当前以及未来寿险业发展的瓶颈之一，不利于我国寿险业的可持续发展。 本文首先通过回顾相关文献，发现虽然国内外学者已经做了大量寿险需求影响因素的理论研究和实证分析，并且对个别影响因素得到了相同的结论，但是这些研究更多的是侧重于不同国家之间的比较，较少有学者针对同一国家的不同地区做一些研究工作。随着保险业在国民经济中扮演着越来越重要的角色，学者对于保险领域的研究也更加重视，寿险作为保险业的重要险种在我国不同地区发展不平衡的问题成为了研究的热点。当前由于我国寿险业发展的区域不平衡问题在相关指标的选择和对特定区域的划分上都存在一定的争议，因此对我国不同地区重分类划分并且选择恰当的影响因素分析它们之间的差异，从而进一步完善我国寿险业的相关研究是具有一定意义的。 其次，寿险的需求影响因素有很多，本文以PEST理论为指导，从政治制度、经济环境和社会文化三个角度对寿险需求影响因素进行提炼说明并且选择寿险密度作为被解释变量。结合我国的具体情况，分析了我国不同地区对同一寿险需求影响因素的相关性差异。 最后本文运用2008-2012年面板数据进行实证检验，结果表明我国地区间的寿险需求差异是由多方面原因引起的。为了促进我国寿险业整体均衡发展，文章在最后有针对性的提出实行差别化的区域金融政策、引导全国人才流动；积极完善我国的社会保障体系、提高国民素质、增强保险公司创新能力等相关政策建议。
[Abstract]:With the continuous development of economy and the steady improvement of people's living standard, the insurance industry is developing rapidly, especially the life insurance industry has been developing rapidly since the resumption of operation in 1982. However, in recent years, the increase of life insurance premium income has slowed down, and the growth rate of life insurance industry has declined which is rare since the development of life insurance industry, which contrasts with the "Great Leap forward" growth rate in the past ten years. In addition, the special culture and geographical environment of our country make the gap of life insurance development between the whole country and the eastern, central and western regions. This situation may be one of the bottlenecks of the development of the life insurance industry in our country at present and in the future, which is not conducive to the sustainable development of the life insurance industry in our country. First of all, by reviewing the relevant literature, this paper finds that although domestic and foreign scholars have done a lot of theoretical research and empirical analysis on the factors affecting life insurance demand, they have reached the same conclusion for individual influencing factors. However, these studies focus more on the comparison between different countries, and few scholars do some research work on different regions of the same country. With the insurance industry playing a more and more important role in the national economy, scholars pay more attention to the research in the field of insurance, life insurance as an important insurance in different areas of China has become a hot issue of uneven development. At present, due to the regional imbalance in the development of life insurance industry in China, there are some controversies in the selection of relevant indicators and the division of specific areas. Therefore, it is of certain significance to reclassify different areas in China and select appropriate influencing factors to analyze the differences between them and further improve the relevant research of life insurance industry in China. Secondly, there are many factors influencing the demand of life insurance. Under the guidance of PEST theory, this paper abstracts the influencing factors of life insurance demand from the three angles of political system, economic environment and social culture, and selects the density of life insurance as the explanatory variable. According to the specific situation of our country, this paper analyzes the influence factors of the same life insurance demand in different areas of our country. Finally, this paper uses the panel data from 2008 to 2012 to make an empirical test, and the results show that the difference of life insurance demand among different regions in China is caused by many reasons. In order to promote the balanced development of life insurance industry in our country, the article puts forward the regional financial policy of differentiation to guide the flow of talents, improve the social security system of our country and improve the national quality. Enhance the innovation ability of insurance companies and other relevant policy recommendations.
【学位授予单位】：苏州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.62
本文编号：2202344
[Abstract]:With the continuous development of economy and the steady improvement of people's living standard, the insurance industry is developing rapidly, especially the life insurance industry has been developing rapidly since the resumption of operation in 1982. However, in recent years, the increase of life insurance premium income has slowed down, and the growth rate of life insurance industry has declined which is rare since the development of life insurance industry, which contrasts with the "Great Leap forward" growth rate in the past ten years. In addition, the special culture and geographical environment of our country make the gap of life insurance development between the whole country and the eastern, central and western regions. This situation may be one of the bottlenecks of the development of the life insurance industry in our country at present and in the future, which is not conducive to the sustainable development of the life insurance industry in our country. First of all, by reviewing the relevant literature, this paper finds that although domestic and foreign scholars have done a lot of theoretical research and empirical analysis on the factors affecting life insurance demand, they have reached the same conclusion for individual influencing factors. However, these studies focus more on the comparison between different countries, and few scholars do some research work on different regions of the same country. With the insurance industry playing a more and more important role in the national economy, scholars pay more attention to the research in the field of insurance, life insurance as an important insurance in different areas of China has become a hot issue of uneven development. At present, due to the regional imbalance in the development of life insurance industry in China, there are some controversies in the selection of relevant indicators and the division of specific areas. Therefore, it is of certain significance to reclassify different areas in China and select appropriate influencing factors to analyze the differences between them and further improve the relevant research of life insurance industry in China. Secondly, there are many factors influencing the demand of life insurance. Under the guidance of PEST theory, this paper abstracts the influencing factors of life insurance demand from the three angles of political system, economic environment and social culture, and selects the density of life insurance as the explanatory variable. According to the specific situation of our country, this paper analyzes the influence factors of the same life insurance demand in different areas of our country. Finally, this paper uses the panel data from 2008 to 2012 to make an empirical test, and the results show that the difference of life insurance demand among different regions in China is caused by many reasons. In order to promote the balanced development of life insurance industry in our country, the article puts forward the regional financial policy of differentiation to guide the flow of talents, improve the social security system of our country and improve the national quality. Enhance the innovation ability of insurance companies and other relevant policy recommendations.
【学位授予单位】：苏州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.62
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