绍兴市人身保险市场发展的“洼地效应”研究
发布时间：2018-12-28 16:55
【摘要】：随着经济的发展,保险逐渐成为人们日常生活中不可缺少的一部分。人身保险以人的身体、健康作为保险标的,对人们未来可能遭遇的风险进行保障,因此人身保险对于每个人而言是必须的。然而,在不同地区人身保险市场的情况有很大差异。通常研究表明影响人身保险发展的主要原因是一个地区的经济情况,而绍兴市的经济情况良好,但人身保险发展滞后,并且落后与浙江省其他地区。本文称之为绍兴市人身保险市场发展的“洼地效应”,并对其加以分析,探究产生这种情况的原因。 本文通过对浙江省各个地区人身保险市场的发展现状的比较,提出了绍兴市人身保险发展的“洼地效应”。本文的分析是通过绍兴市与浙江其他地市的对比进行的。一方面,本文模仿以往研究,对影响绍兴市人身保费收入的传统因素进行计量分析,得出影响至关重要的因素,再对其在地区间进行对比。另一方面,本文结合问卷调查,对人身保险市场发展情况不同的地区进行问卷调查,找出行为经济学中,人们的预期、心理对人身保险需求的影响。最后针对研究的结果,提出相应的对策建议。 通过对绍兴市人身保险市场的“洼地效应”的研究,找出其人身保险发展滞后的原因：人身保险市场竞争程度低,城乡居民存款储蓄余额较少,通货膨胀较严重以及人们的保险意识偏低。对这些问题提出改进建议,以期充分挖掘绍兴市保险市场的潜力。倘若各方共同努力,对这些问题进行改善,相信对于绍兴市人身保险的发展能够产生较大的促进作用。
[Abstract]:With the development of economy, insurance has gradually become an indispensable part of people's daily life. The life insurance takes the human body, the health as the insurance mark, carries on the protection to the risk which the people may encounter in the future, therefore the personal insurance is necessary for each person. However, the situation in different regions of the life insurance market is very different. The general research shows that the main reason of affecting the development of personal insurance is the economic situation of one area, but the economic situation of Shaoxing is good, but the development of personal insurance lags behind the other areas of Zhejiang Province. This paper calls it the "depression effect" of the development of the life insurance market in Shaoxing, and analyzes it to explore the reasons for this situation. Based on the comparison of the development situation of the life insurance market in various regions of Zhejiang Province, this paper puts forward the "depression effect" of the development of life insurance in Shaoxing. The analysis of this paper is carried out through the comparison between Shaoxing city and other cities in Zhejiang Province. On the one hand, this article imitates the previous research, carries on the econometric analysis to the influence Shaoxing personal premium income traditional factor, obtains the influence vital factor, then carries on the contrast to it in the region. On the other hand, this paper carries on the questionnaire survey to the area with different development situation of the life insurance market, in order to find out the influence of people's expectation and psychology on the life insurance demand in the economics of travel behavior. Finally, according to the results of the study, the corresponding countermeasures and suggestions are put forward. Through the study of the "depression effect" of the life insurance market in Shaoxing, the author finds out the reasons for the lag in the development of personal insurance: the low degree of competition in the life insurance market, the low balance of deposits and savings between urban and rural residents, Inflation is high and people's insurance awareness is low. In order to fully tap the potential of Shaoxing insurance market, some suggestions are put forward to improve these problems. If all parties make joint efforts to improve these problems, it is believed that the development of life insurance in Shaoxing City will have a greater role in promoting it.
【学位授予单位】：浙江工商大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.62
[Abstract]:With the development of economy, insurance has gradually become an indispensable part of people's daily life. The life insurance takes the human body, the health as the insurance mark, carries on the protection to the risk which the people may encounter in the future, therefore the personal insurance is necessary for each person. However, the situation in different regions of the life insurance market is very different. The general research shows that the main reason of affecting the development of personal insurance is the economic situation of one area, but the economic situation of Shaoxing is good, but the development of personal insurance lags behind the other areas of Zhejiang Province. This paper calls it the "depression effect" of the development of the life insurance market in Shaoxing, and analyzes it to explore the reasons for this situation. Based on the comparison of the development situation of the life insurance market in various regions of Zhejiang Province, this paper puts forward the "depression effect" of the development of life insurance in Shaoxing. The analysis of this paper is carried out through the comparison between Shaoxing city and other cities in Zhejiang Province. On the one hand, this article imitates the previous research, carries on the econometric analysis to the influence Shaoxing personal premium income traditional factor, obtains the influence vital factor, then carries on the contrast to it in the region. On the other hand, this paper carries on the questionnaire survey to the area with different development situation of the life insurance market, in order to find out the influence of people's expectation and psychology on the life insurance demand in the economics of travel behavior. Finally, according to the results of the study, the corresponding countermeasures and suggestions are put forward. Through the study of the "depression effect" of the life insurance market in Shaoxing, the author finds out the reasons for the lag in the development of personal insurance: the low degree of competition in the life insurance market, the low balance of deposits and savings between urban and rural residents, Inflation is high and people's insurance awareness is low. In order to fully tap the potential of Shaoxing insurance market, some suggestions are put forward to improve these problems. If all parties make joint efforts to improve these problems, it is believed that the development of life insurance in Shaoxing City will have a greater role in promoting it.
【学位授予单位】：浙江工商大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.62
【参考文献】
相关期刊论文 前10条
1 徐哲,冯U，
本文编号：2394199
本文链接：https://www.wllwen.com/jingjilunwen/bxjjlw/2394199.html
