【摘要】：我國(guó)壽險(xiǎn)業(yè)保費(fèi)收入在多數(shù)年份里呈兩位數(shù)增長(zhǎng),但是反映保費(fèi)收入占GDP比重的壽險(xiǎn)深度、體現(xiàn)人均壽險(xiǎn)保費(fèi)收入的壽險(xiǎn)密度水平依然較低。運(yùn)用Eviews軟件,以2004~2013年的數(shù)據(jù)為基礎(chǔ),用壽險(xiǎn)密度表示壽險(xiǎn)需求,采用多元線性回歸方法分析人均國(guó)民收入、居民消費(fèi)價(jià)格指數(shù)、老年人口撫養(yǎng)比、15歲及以上的文盲人數(shù)占比等四個(gè)因素對(duì)壽險(xiǎn)密度的影響。實(shí)證結(jié)果顯示,人均國(guó)民收入、老年人口撫養(yǎng)比以及15歲及以上的文盲人數(shù)占比對(duì)壽險(xiǎn)密度影響顯著,居民消費(fèi)價(jià)格指數(shù)影響不明顯。應(yīng)從提高居民收入水平、鼓勵(lì)產(chǎn)品創(chuàng)新、加強(qiáng)壽險(xiǎn)宣傳力度等方面提升壽險(xiǎn)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.
【作者單位】： 太原工業(yè)學(xué)院經(jīng)濟(jì)與管理系;
【分類號(hào)】：F842.6
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本文編號(hào)：2310119