基于宏观层面我国寿险需求影响因素的实证分析
发布时间：2018-11-04 14:37
【摘要】：我国寿险业保费收入在多数年份里呈两位数增长,但是反映保费收入占GDP比重的寿险深度、体现人均寿险保费收入的寿险密度水平依然较低。运用Eviews软件,以2004~2013年的数据为基础,用寿险密度表示寿险需求,采用多元线性回归方法分析人均国民收入、居民消费价格指数、老年人口抚养比、15岁及以上的文盲人数占比等四个因素对寿险密度的影响。实证结果显示,人均国民收入、老年人口抚养比以及15岁及以上的文盲人数占比对寿险密度影响显著,居民消费价格指数影响不明显。应从提高居民收入水平、鼓励产品创新、加强寿险宣传力度等方面提升寿险需求。
[Abstract]:The premium income of life insurance industry in China has increased in double digits in most years, but it reflects the depth of life insurance in the proportion of premium income to GDP, and the life insurance density level of per capita life insurance premium income is still relatively low. Based on the data from 2004 to 2013, using Eviews software, life insurance demand is expressed by life insurance density. The multivariate linear regression method is used to analyze the per capita national income, consumer price index and dependency ratio of the elderly population. The influence of four factors on life insurance density, such as the proportion of illiterate people aged 15 years and over. The empirical results show that the per capita national income, the dependency ratio of the elderly population and the proportion of illiterate people aged 15 and above have significant effects on the life insurance density, while the consumer price index has no significant effect on the life insurance density. The demand of life insurance should be improved from the aspects of raising the income level of residents, encouraging product innovation and strengthening the propaganda of life insurance.
【作者单位】： 太原工业学院经济与管理系;
【分类号】：F842.6
，
本文编号：2310119
[Abstract]:The premium income of life insurance industry in China has increased in double digits in most years, but it reflects the depth of life insurance in the proportion of premium income to GDP, and the life insurance density level of per capita life insurance premium income is still relatively low. Based on the data from 2004 to 2013, using Eviews software, life insurance demand is expressed by life insurance density. The multivariate linear regression method is used to analyze the per capita national income, consumer price index and dependency ratio of the elderly population. The influence of four factors on life insurance density, such as the proportion of illiterate people aged 15 years and over. The empirical results show that the per capita national income, the dependency ratio of the elderly population and the proportion of illiterate people aged 15 and above have significant effects on the life insurance density, while the consumer price index has no significant effect on the life insurance density. The demand of life insurance should be improved from the aspects of raising the income level of residents, encouraging product innovation and strengthening the propaganda of life insurance.
【作者单位】： 太原工业学院经济与管理系;
【分类号】：F842.6
，
本文编号：2310119
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