摘要
本文运用面板数据分析方法.从宏观角度实证分析了1997~2003年中国内地30个省(市)寿险需求的影响因素,探讨了经济发展、教育水平、居民储蓄存款、人均可支配收入、竞争程度因素对寿险保费收入的影响。实证检验发现,以上因素对一个地区的寿险需求均有显著的正向影响。我国各地区寿险市场的发展是“经济推动型”,寿险市场发展不平衡的根本原因在于经济发展不平衡。
Using the panel data analysis method,this paper examines the impact of economic development,education level,deposit,per capita disposable income and market competition on life insurance demand from the macroscopic perspective based on 30 provinces' data from 1997 to 2003 in China.The empirical study results are as follows: All these factors above have significant positive effects on life insurance demand.The development of life insurance market in China is the so—called 'economy—promoted type',and the reason of imbalance of life insurance market is the imbalance of economic development in different areas of China.
出处
《中南财经政法大学学报》
CSSCI
北大核心
2006年第1期96-101,共6页
Journal of Zhongnan University of Economics and Law
基金
上海财经大学"211工程"科研资助项目"保险市场效率问题研究"
关键词
面板数据
固定效应
寿险需求
Panel Data
Fixed Effect
Life Insurance Demand