【摘要】：隨著經(jīng)濟(jì)的發(fā)展,保險(xiǎn)逐漸成為人們?nèi)粘Ｉ钪胁豢扇鄙俚囊徊糠帧Ｈ松肀ｋU(xiǎn)以人的身體、健康作為保險(xiǎn)標(biāo)的,對(duì)人們未來(lái)可能遭遇的風(fēng)險(xiǎn)進(jìn)行保障,因此人身保險(xiǎn)對(duì)于每個(gè)人而言是必須的。然而,在不同地區(qū)人身保險(xiǎn)市場(chǎng)的情況有很大差異。通常研究表明影響人身保險(xiǎn)發(fā)展的主要原因是一個(gè)地區(qū)的經(jīng)濟(jì)情況,而紹興市的經(jīng)濟(jì)情況良好,但人身保險(xiǎn)發(fā)展滯后,并且落后與浙江省其他地區(qū)。本文稱之為紹興市人身保險(xiǎn)市場(chǎng)發(fā)展的“洼地效應(yīng)”,并對(duì)其加以分析,探究產(chǎn)生這種情況的原因。 本文通過(guò)對(duì)浙江省各個(gè)地區(qū)人身保險(xiǎn)市場(chǎng)的發(fā)展現(xiàn)狀的比較,提出了紹興市人身保險(xiǎn)發(fā)展的“洼地效應(yīng)”。本文的分析是通過(guò)紹興市與浙江其他地市的對(duì)比進(jìn)行的。一方面,本文模仿以往研究,對(duì)影響紹興市人身保費(fèi)收入的傳統(tǒng)因素進(jìn)行計(jì)量分析,得出影響至關(guān)重要的因素,再對(duì)其在地區(qū)間進(jìn)行對(duì)比。另一方面,本文結(jié)合問(wèn)卷調(diào)查,對(duì)人身保險(xiǎn)市場(chǎng)發(fā)展情況不同的地區(qū)進(jìn)行問(wèn)卷調(diào)查,找出行為經(jīng)濟(jì)學(xué)中,人們的預(yù)期、心理對(duì)人身保險(xiǎn)需求的影響。最后針對(duì)研究的結(jié)果,提出相應(yīng)的對(duì)策建議。 通過(guò)對(duì)紹興市人身保險(xiǎn)市場(chǎng)的“洼地效應(yīng)”的研究,找出其人身保險(xiǎn)發(fā)展滯后的原因：人身保險(xiǎn)市場(chǎng)競(jìng)爭(zhēng)程度低,城鄉(xiāng)居民存款儲(chǔ)蓄余額較少,通貨膨脹較嚴(yán)重以及人們的保險(xiǎn)意識(shí)偏低。對(duì)這些問(wèn)題提出改進(jìn)建議,以期充分挖掘紹興市保險(xiǎn)市場(chǎng)的潛力。倘若各方共同努力,對(duì)這些問(wèn)題進(jìn)行改善,相信對(duì)于紹興市人身保險(xiǎn)的發(fā)展能夠產(chǎn)生較大的促進(jìn)作用。
[Abstract]:With the development of economy, insurance has gradually become an indispensable part of people's daily life. The life insurance takes the human body, the health as the insurance mark, carries on the protection to the risk which the people may encounter in the future, therefore the personal insurance is necessary for each person. However, the situation in different regions of the life insurance market is very different. The general research shows that the main reason of affecting the development of personal insurance is the economic situation of one area, but the economic situation of Shaoxing is good, but the development of personal insurance lags behind the other areas of Zhejiang Province. This paper calls it the "depression effect" of the development of the life insurance market in Shaoxing, and analyzes it to explore the reasons for this situation. Based on the comparison of the development situation of the life insurance market in various regions of Zhejiang Province, this paper puts forward the "depression effect" of the development of life insurance in Shaoxing. The analysis of this paper is carried out through the comparison between Shaoxing city and other cities in Zhejiang Province. On the one hand, this article imitates the previous research, carries on the econometric analysis to the influence Shaoxing personal premium income traditional factor, obtains the influence vital factor, then carries on the contrast to it in the region. On the other hand, this paper carries on the questionnaire survey to the area with different development situation of the life insurance market, in order to find out the influence of people's expectation and psychology on the life insurance demand in the economics of travel behavior. Finally, according to the results of the study, the corresponding countermeasures and suggestions are put forward. Through the study of the "depression effect" of the life insurance market in Shaoxing, the author finds out the reasons for the lag in the development of personal insurance: the low degree of competition in the life insurance market, the low balance of deposits and savings between urban and rural residents, Inflation is high and people's insurance awareness is low. In order to fully tap the potential of Shaoxing insurance market, some suggestions are put forward to improve these problems. If all parties make joint efforts to improve these problems, it is believed that the development of life insurance in Shaoxing City will have a greater role in promoting it.
【學(xué)位授予單位】：浙江工商大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F842.62

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 徐哲,馮U，

本文編號(hào)：2394199