我国投资型寿险产品需求影响因素的实证研究

An Experimental Analysis on Factors Affecting Demands for Investment Types of Insurance Products

我国寿险业已完成了从保障型产品向投资型产品的转变,但其中的发展过程却非一帆风顺。本文从需求的角度,运用灰关联分析法,探求各种需求因素对投资型寿险产品的影响程度。通过实证分析可知,投资型寿险产品的替代效应极为明显,而通货膨胀率、储蓄率却与投资型产品需求的关联度较低。这些结论有助于科学、深刻地认识我国投资型寿险产品的曲折发展状况,有助于更加准确把握投资型寿险产品的市场定位,促进我国寿险业的健康发展。

Life insurance of China has gone through a tortuous path transitting from protection-oriented products to investment-oriented products. The thesis did research on all kinds of demand factors and the degree of demand factors＇ impact on the investment-oriented products by using the method of grey connection. According to the experimental analysis, the substi- tution funetion of investment-oriented products is apparent. But the inflation rate and the savings rate are little related to the demand of investment-oriented products. These conclusions will be helpful to analyze the development situations of China＇s investment-oriented products, more accurately decide on the market positioning of these products and promote healthy development of China＇s insurance industry.