紹興市人身保險市場發(fā)展的“洼地效應”研究
發(fā)布時間：2018-12-28 16:55
【摘要】：隨著經濟的發(fā)展,保險逐漸成為人們日常生活中不可缺少的一部分。人身保險以人的身體、健康作為保險標的,對人們未來可能遭遇的風險進行保障,因此人身保險對于每個人而言是必須的。然而,在不同地區(qū)人身保險市場的情況有很大差異。通常研究表明影響人身保險發(fā)展的主要原因是一個地區(qū)的經濟情況,而紹興市的經濟情況良好,但人身保險發(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市場發(fā)展的“洼地效應”,并對其加以分析,探究產生這種情況的原因。 本文通過對浙江省各個地區(qū)人身保險市場的發(fā)展現(xiàn)狀的比較,提出了紹興市人身保險發(fā)展的“洼地效應”。本文的分析是通過紹興市與浙江其他地市的對比進行的。一方面,本文模仿以往研究,對影響紹興市人身保費收入的傳統(tǒng)因素進行計量分析,得出影響至關重要的因素,再對其在地區(qū)間進行對比。另一方面,本文結合問卷調查,對人身保險市場發(fā)展情況不同的地區(qū)進行問卷調查,找出行為經濟學中,人們的預期、心理對人身保險需求的影響。最后針對研究的結果,提出相應的對策建議。 通過對紹興市人身保險市場的“洼地效應”的研究,找出其人身保險發(fā)展滯后的原因：人身保險市場競爭程度低,城鄉(xiāng)居民存款儲蓄余額較少,通貨膨脹較嚴重以及人們的保險意識偏低。對這些問題提出改進建議,以期充分挖掘紹興市保險市場的潛力。倘若各方共同努力,對這些問題進行改善,相信對于紹興市人身保險的發(fā)展能夠產生較大的促進作用。
[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.
【學位授予單位】：浙江工商大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F842.62
[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.
【學位授予單位】：浙江工商大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F842.62
【參考文獻】
相關期刊論文 前10條
1 徐哲,馮U，
本文編號：2394199
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