中国寿险需求影响因素的检验

Examination on the Determinants of Life Insurance Demand in China

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.