摘要
中国的保险发展水平较低,老龄化等因素将导致寿险需求可能增加。基于寿险需求的理论模型,本文结合中国的实际,提炼出影响寿险需求的可能影响因素,并分析保险需求较低的原因。通过构筑省际层面的面板数据,对影响中国寿险需求的因素进行实证研究。研究结果表明:总人口负担比与寿险需求之间存在显著的负向关系;社会保障支出水平、城市化水平及教育水平均促进了对寿险产品的需求;人均GDP、人均储蓄则没有显著影响。进一步的研究表明,中美寿险需求存在着一定的差异。
The development of Insurance Industry in China is very low, and the aging society will potentially increase the demand for life insurance. Based on the theoretical model, some of the factors are selected to analyze the possible impact. We built the panel data, and applied the empirical analysis. The research shows, the total population burden was negatively with the demand; the social insurance expenditure, urbanization level, and education level increased such demand, but per capita GDP, average saving had no significant effect. There are some differences in the life insurance demand between US and China.
出处
《经济研究》
CSSCI
北大核心
2012年第S1期148-160,共13页
Economic Research Journal
基金
华中科技大学中央高校基本科研业务费研究项目(2011WC007)
教育部留学归国人员科研启动基金(2012-940-44)
全国统计科学重点项目(2011LZ053)
国家社科重大招标课题(08&ZD037)的资助
关键词
寿险需求
老龄化
人口负担
社会保障
Life Insurance Demand
Aging Society
Population Burden
Social Insurance
