發(fā)布時(shí)間：2018-08-25 08:36

【摘要】：我國(guó)實(shí)行改革開放政策以來(lái)，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(xiǎn)業(yè)在快速發(fā)展，，特別是壽險(xiǎn)業(yè)自1982年恢復(fù)運(yùn)營(yíng)以后一度發(fā)展迅猛。然而近幾年壽險(xiǎn)業(yè)保費(fèi)收入增長(zhǎng)趨緩，出現(xiàn)了壽險(xiǎn)業(yè)發(fā)展以來(lái)少有的增長(zhǎng)速度下滑現(xiàn)象，這與過(guò)去十幾年的“大躍進(jìn)”式增速形成了鮮明的對(duì)比。此外，我國(guó)的特殊文化和地理環(huán)境使得全國(guó)以及東部、中部和西部地區(qū)壽險(xiǎn)發(fā)展存在差距。這一情況可能是我國(guó)當(dāng)前以及未來(lái)壽險(xiǎn)業(yè)發(fā)展的瓶頸之一，不利于我國(guó)壽險(xiǎn)業(yè)的可持續(xù)發(fā)展。 本文首先通過(guò)回顧相關(guān)文獻(xiàn)，發(fā)現(xiàn)雖然國(guó)內(nèi)外學(xué)者已經(jīng)做了大量壽險(xiǎn)需求影響因素的理論研究和實(shí)證分析，并且對(duì)個(gè)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(guó)家之間的比較，較少有學(xué)者針對(duì)同一國(guó)家的不同地區(qū)做一些研究工作。隨著保險(xiǎn)業(yè)在國(guó)民經(jīng)濟(jì)中扮演著越來(lái)越重要的角色，學(xué)者對(duì)于保險(xiǎn)領(lǐng)域的研究也更加重視，壽險(xiǎn)作為保險(xiǎn)業(yè)的重要險(xiǎn)種在我國(guó)不同地區(qū)發(fā)展不平衡的問(wèn)題成為了研究的熱點(diǎn)。當(dāng)前由于我國(guó)壽險(xiǎn)業(yè)發(fā)展的區(qū)域不平衡問(wèn)題在相關(guān)指標(biāo)的選擇和對(duì)特定區(qū)域的劃分上都存在一定的爭(zhēng)議，因此對(duì)我國(guó)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�間的差異，從而進(jìn)一步完善我國(guó)壽險(xiǎn)業(yè)的相關(guān)研究是具有一定意義的。 其次，壽險(xiǎn)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(huì)文化三個(gè)角度對(duì)壽險(xiǎn)需求影響因素進(jìn)行提煉說(shuō)明并且選擇壽險(xiǎn)密度作為被解釋變量。結(jié)合我國(guó)的具體情況，分析了我國(guó)不同地區(qū)對(duì)同一壽險(xiǎn)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(guó)地區(qū)間的壽險(xiǎn)需求差異是由多方面原因引起的。為了促進(jìn)我國(guó)壽險(xiǎn)業(yè)整體均衡發(fā)展，文章在最后有針對(duì)性的提出實(shí)行差別化的區(qū)域金融政策、引導(dǎo)全國(guó)人才流動(dòng)；積極完善我國(guó)的社會(huì)保障體系、提高國(guó)民素質(zhì)、增強(qiáng)保險(xiǎn)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(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F842.62

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