本文關(guān)鍵詞： 城市化 壽險(xiǎn)密度 潛在需求 面板模型　出處：《蘭州商學(xué)院》2014年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：城市化是由農(nóng)業(yè)為主的傳統(tǒng)鄉(xiāng)村社會(huì)向以工業(yè)和服務(wù)業(yè)為主的現(xiàn)代城市社會(huì)逐漸轉(zhuǎn)變的歷史過(guò)程。城市化是我國(guó)經(jīng)濟(jì)社會(huì)發(fā)展的顯著特征，2011年我國(guó)城市化率達(dá)到50%，目前正處在城市化加速發(fā)展的階段。國(guó)務(wù)院總理李克強(qiáng)曾指出：城鎮(zhèn)化是未來(lái)十年我國(guó)經(jīng)濟(jì)發(fā)展的最大動(dòng)力。在此背景下，隨著城市人口數(shù)量增加、收入增加、觀念轉(zhuǎn)變及人口老齡化的到來(lái)，我國(guó)壽險(xiǎn)業(yè)將迎來(lái)更為廣闊的發(fā)展。但同時(shí)，目前我國(guó)各�。ㄊ小^(qū)）的城市化進(jìn)程差別是很顯著的，，而我國(guó)壽險(xiǎn)業(yè)也呈現(xiàn)出很強(qiáng)的發(fā)展不均衡的狀況。 本文研究選取壽險(xiǎn)公司為研究切入角度，以城市化差異下我國(guó)不同�。ㄊ小^(qū)）壽險(xiǎn)需求為研究對(duì)象。在對(duì)城市化、壽險(xiǎn)需求基本理論做出明確的基礎(chǔ)上，通過(guò)定性分析，本文研究了城市化差異在人口城市化、經(jīng)濟(jì)城市化、社會(huì)城市化和環(huán)境城市化等方面對(duì)壽險(xiǎn)需求的影響。本文通過(guò)搜集2006年至2012年我國(guó)31個(gè)�。ㄊ小^(qū)）關(guān)于城市化和壽險(xiǎn)需求方面11個(gè)指標(biāo)的數(shù)據(jù)，先通過(guò)因子分析將城市化體系10個(gè)指標(biāo)簡(jiǎn)化成一個(gè)綜合得分指標(biāo)，然后通過(guò)面板數(shù)據(jù)模型考察了各�。ㄊ�、區(qū)）城市化差異對(duì)壽險(xiǎn)需求的影響。通過(guò)顯著性檢驗(yàn)，本文將31個(gè)�。ㄊ小^(qū)）劃分為四個(gè)梯隊(duì)，城市化差異對(duì)壽險(xiǎn)需求的影響在北京、上海等8個(gè)第一梯隊(duì)�。ㄊ�、區(qū)）最為顯著，在河北、浙江等10個(gè)第二梯隊(duì)省（市、區(qū)）顯著性次之，在內(nèi)蒙古、新疆等8個(gè)第三梯隊(duì)�。ㄊ�、區(qū)）最弱、但仍然顯著，在廣西、寧夏、云南、貴州、西藏等則5個(gè)第四梯隊(duì)�。ㄊ�、區(qū)）不顯著。進(jìn)一步地，本文明確了各�。ㄊ小^(qū)）城市化差異和壽險(xiǎn)需求的具體方程表達(dá)式，并對(duì)其做了具體分析。最后，本文提出了在我國(guó)城市化差異背景下，壽險(xiǎn)公司為滿(mǎn)足壽險(xiǎn)需求應(yīng)堅(jiān)持以第一梯隊(duì)省份為首務(wù)，第二梯隊(duì)省份全面布局、搶占市場(chǎng)份額，第三梯隊(duì)省份實(shí)時(shí)關(guān)注、在重點(diǎn)地區(qū)設(shè)立網(wǎng)點(diǎn)，第四梯隊(duì)省份等待時(shí)機(jī)進(jìn)入策略。同時(shí)，也要在產(chǎn)品設(shè)計(jì)、營(yíng)銷(xiāo)、服務(wù)、產(chǎn)業(yè)布局、制度建設(shè)等方面做出改進(jìn)。
[Abstract]:Urbanization is a historical process from a traditional rural society dominated by agriculture to a modern urban society dominated by industry and services. Urbanization is a remarkable feature of the economic and social development of our country. In 2011, China's urbanization rate reached 50%. Premier Li Keqiang of the State Council has pointed out that urbanization is the biggest driving force of China's economic development in the next decade. In this context, with the increase of urban population, income increases. With the change of concept and the arrival of the aging population, the life insurance industry of our country will usher in a broader development. But at the same time, the difference of urbanization process between provinces (cities, districts) is very significant. But our country life insurance industry also presents the very strong development uneven condition. This paper selects the life insurance company as the research angle, takes the different province (city, district) life insurance demand of our country under the urbanization difference as the research object, makes the clear foundation to the urbanization, the life insurance demand basic theory. Through qualitative analysis, this paper studies the difference of urbanization in population urbanization and economic urbanization. The influence of social urbanization and environmental urbanization on life insurance demand. This paper collected 31 provinces (cities) from 2006 to 2012. On the data of 11 indicators of urbanization and life insurance demand, 10 indicators of urbanization system are simplified into a comprehensive score index by factor analysis. Then through panel data model to investigate the impact of urbanization on the demand for life insurance. Through the significance test, 31 provinces (cities, districts) are divided into four echelons. The influence of urbanization difference on life insurance demand is most significant in 8 first echelon provinces (cities and districts) such as Beijing and Shanghai, followed by 10 second echelon provinces (cities, districts) in Hebei and Zhejiang provinces, and in Inner Mongolia. Xinjiang and other 8 third echelon provinces (cities, districts) are the weakest, but still significant, while in Guangxi, Ningxia, Yunnan, Guizhou and Tibet, 5 4th echelon provinces (cities, districts) are not significant. This paper clarifies the specific equation expression of urbanization difference and life insurance demand of each province (city and district), and makes a concrete analysis on it. Finally, this paper puts forward that under the background of urbanization difference in our country. In order to meet the life insurance demand, the life insurance company should adhere to the first echelon province, the second echelon province overall layout, occupy the market share, the third echelon province real-time concern, set up the network in the key area. The 4th echelon provinces wait for the opportunity to enter the strategy. At the same time, they should also make improvements in product design, marketing, service, industrial layout, system construction and so on.
【學(xué)位授予單位】：蘭州商學(xué)院
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F842.62;F299.2

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