我國壽險需求影響因素地區(qū)差異化研究
發(fā)布時間：2018-08-25 08:36
【摘要】：我國實(shí)行改革開放政策以來，伴隨著經(jīng)濟(jì)的不斷發(fā)展和人民生活水平的持續(xù)穩(wěn)步提高，保險業(yè)在快速發(fā)展，，特別是壽險業(yè)自1982年恢復(fù)運(yùn)營以后一度發(fā)展迅猛。然而近幾年壽險業(yè)保費(fèi)收入增長趨緩，出現(xiàn)了壽險業(yè)發(fā)展以來少有的增長速度下滑現(xiàn)象，這與過去十幾年的“大躍進(jìn)”式增速形成了鮮明的對比。此外，我國的特殊文化和地理環(huán)境使得全國以及東部、中部和西部地區(qū)壽險發(fā)展存在差距。這一情況可能是我國當(dāng)前以及未來壽險業(yè)發(fā)展的瓶頸之一，不利于我國壽險業(yè)的可持續(xù)發(fā)展。 本文首先通過回顧相關(guān)文獻(xiàn)，發(fā)現(xiàn)雖然國內(nèi)外學(xué)者已經(jīng)做了大量壽險需求影響因素的理論研究和實(shí)證分析，并且對個別影響因素得到了相同的結(jié)論，但是這些研究更多的是側(cè)重于不同國家之間的比較，較少有學(xué)者針對同一國家的不同地區(qū)做一些研究工作。隨著保險業(yè)在國民經(jīng)濟(jì)中扮演著越來越重要的角色，學(xué)者對于保險領(lǐng)域的研究也更加重視，壽險作為保險業(yè)的重要險種在我國不同地區(qū)發(fā)展不平衡的問題成為了研究的熱點(diǎn)。當(dāng)前由于我國壽險業(yè)發(fā)展的區(qū)域不平衡問題在相關(guān)指標(biāo)的選擇和對特定區(qū)域的劃分上都存在一定的爭議，因此對我國不同地區(qū)重分類劃分并且選擇恰當(dāng)?shù)挠绊懸蛩胤治鏊鼈冎g的差異，從而進(jìn)一步完善我國壽險業(yè)的相關(guān)研究是具有一定意義的。 其次，壽險的需求影響因素有很多，本文以PEST理論為指導(dǎo)，從政治制度、經(jīng)濟(jì)環(huán)境和社會文化三個角度對壽險需求影響因素進(jìn)行提煉說明并且選擇壽險密度作為被解釋變量。結(jié)合我國的具體情況，分析了我國不同地區(qū)對同一壽險需求影響因素的相關(guān)性差異。 最后本文運(yùn)用2008-2012年面板數(shù)據(jù)進(jìn)行實(shí)證檢驗(yàn)，結(jié)果表明我國地區(qū)間的壽險需求差異是由多方面原因引起的。為了促進(jìn)我國壽險業(yè)整體均衡發(fā)展，文章在最后有針對性的提出實(shí)行差別化的區(qū)域金融政策、引導(dǎo)全國人才流動；積極完善我國的社會保障體系、提高國民素質(zhì)、增強(qiáng)保險公司創(chuàng)新能力等相關(guān)政策建議。
[Abstract]:With the continuous development of economy and the steady improvement of people's living standard, the insurance industry is developing rapidly, especially the life insurance industry has been developing rapidly since the resumption of operation in 1982. However, in recent years, the increase of life insurance premium income has slowed down, and the growth rate of life insurance industry has declined which is rare since the development of life insurance industry, which contrasts with the "Great Leap forward" growth rate in the past ten years. In addition, the special culture and geographical environment of our country make the gap of life insurance development between the whole country and the eastern, central and western regions. This situation may be one of the bottlenecks of the development of the life insurance industry in our country at present and in the future, which is not conducive to the sustainable development of the life insurance industry in our country. First of all, by reviewing the relevant literature, this paper finds that although domestic and foreign scholars have done a lot of theoretical research and empirical analysis on the factors affecting life insurance demand, they have reached the same conclusion for individual influencing factors. However, these studies focus more on the comparison between different countries, and few scholars do some research work on different regions of the same country. With the insurance industry playing a more and more important role in the national economy, scholars pay more attention to the research in the field of insurance, life insurance as an important insurance in different areas of China has become a hot issue of uneven development. At present, due to the regional imbalance in the development of life insurance industry in China, there are some controversies in the selection of relevant indicators and the division of specific areas. Therefore, it is of certain significance to reclassify different areas in China and select appropriate influencing factors to analyze the differences between them and further improve the relevant research of life insurance industry in China. Secondly, there are many factors influencing the demand of life insurance. Under the guidance of PEST theory, this paper abstracts the influencing factors of life insurance demand from the three angles of political system, economic environment and social culture, and selects the density of life insurance as the explanatory variable. According to the specific situation of our country, this paper analyzes the influence factors of the same life insurance demand in different areas of our country. Finally, this paper uses the panel data from 2008 to 2012 to make an empirical test, and the results show that the difference of life insurance demand among different regions in China is caused by many reasons. In order to promote the balanced development of life insurance industry in our country, the article puts forward the regional financial policy of differentiation to guide the flow of talents, improve the social security system of our country and improve the national quality. Enhance the innovation ability of insurance companies and other relevant policy recommendations.
【學(xué)位授予單位】：蘇州大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F842.62
本文編號：2202344
[Abstract]:With the continuous development of economy and the steady improvement of people's living standard, the insurance industry is developing rapidly, especially the life insurance industry has been developing rapidly since the resumption of operation in 1982. However, in recent years, the increase of life insurance premium income has slowed down, and the growth rate of life insurance industry has declined which is rare since the development of life insurance industry, which contrasts with the "Great Leap forward" growth rate in the past ten years. In addition, the special culture and geographical environment of our country make the gap of life insurance development between the whole country and the eastern, central and western regions. This situation may be one of the bottlenecks of the development of the life insurance industry in our country at present and in the future, which is not conducive to the sustainable development of the life insurance industry in our country. First of all, by reviewing the relevant literature, this paper finds that although domestic and foreign scholars have done a lot of theoretical research and empirical analysis on the factors affecting life insurance demand, they have reached the same conclusion for individual influencing factors. However, these studies focus more on the comparison between different countries, and few scholars do some research work on different regions of the same country. With the insurance industry playing a more and more important role in the national economy, scholars pay more attention to the research in the field of insurance, life insurance as an important insurance in different areas of China has become a hot issue of uneven development. At present, due to the regional imbalance in the development of life insurance industry in China, there are some controversies in the selection of relevant indicators and the division of specific areas. Therefore, it is of certain significance to reclassify different areas in China and select appropriate influencing factors to analyze the differences between them and further improve the relevant research of life insurance industry in China. Secondly, there are many factors influencing the demand of life insurance. Under the guidance of PEST theory, this paper abstracts the influencing factors of life insurance demand from the three angles of political system, economic environment and social culture, and selects the density of life insurance as the explanatory variable. According to the specific situation of our country, this paper analyzes the influence factors of the same life insurance demand in different areas of our country. Finally, this paper uses the panel data from 2008 to 2012 to make an empirical test, and the results show that the difference of life insurance demand among different regions in China is caused by many reasons. In order to promote the balanced development of life insurance industry in our country, the article puts forward the regional financial policy of differentiation to guide the flow of talents, improve the social security system of our country and improve the national quality. Enhance the innovation ability of insurance companies and other relevant policy recommendations.
【學(xué)位授予單位】：蘇州大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F842.62
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