中国人口老龄化对人身保险消费的影响研究

发布时间：2018-04-30 22:27

本文选题：人口老龄化 + 养老需求　；参考：《中央财经大学学报》2017年09期

【摘要】：中国已经进入加速老龄化社会,中国人口老龄化目前具有人口预期寿命提高、人口增长速度下降、老龄化速度加快、未富先老以及老龄化区域差异显著等特征。在此背景下,养老需求量迅速增长,养老需求种类更加多样且区域差异日益明显,功能丰富的人身保险无疑将成为缓解养老压力的重要途径,但人口老龄化也可能会抑制定期寿险等纯保障型险种的消费。笔者通过利用中国2000—2015年的省际面板数据和动态面板系统GMM方法,实证检验人口老龄化对中国人身保险消费的影响发现,老年人口占比对人身保险消费存在显著正面影响,而且这种影响存在区域差异,老龄化程度越高,拉动程度越大。在此基础上,从产品结构优化、产品功能多样化、产品供给地域化、抵御通胀和服务升级等方面提出人身保险市场完善对策。
[Abstract]:China has entered an accelerated aging society. The aging of the population in China is characterized by an increase in life expectancy, a decline in population growth, an accelerated aging rate, an aging before becoming rich and a significant regional difference in aging. In this context, the demand for the aged is growing rapidly, the variety of the demand for the aged is more diverse and the regional differences are becoming more and more obvious, the functional life insurance will undoubtedly become an important way to relieve the pressure of the aged. But an ageing population may also curb consumption of pure-security insurance such as periodic life insurance. By using the interprovincial panel data from 2000 to 2015 in China and the dynamic panel system GMM method, the author empirically tests the effect of population aging on life insurance consumption in China. It is found that the proportion of elderly population has a significant positive impact on life insurance consumption. And there are regional differences in this effect, the higher the aging degree, the greater the pull degree. On the basis of this, the author puts forward the perfect countermeasures of life insurance market from the aspects of product structure optimization, product function diversification, product supply regionalization, resisting inflation and service upgrading, etc.
【作者单位】：南京大学经济学院;
【基金】：中国保险学会项目“‘一带一路’战略下中国保险国际化问题研究”(项目编号:ISCKT2016-N-1-01) 江苏保险学会项目“人口结构转变对江苏省寿险市场发展的影响分析”(项目编号:SBX2016-1-AD-01)
【分类号】：C924.24;F842.62

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