保险需求的价格弹性与保险监管的政策选择

Needs-based Price Elasticity for Insurance and Regulatory Options

百博(Babbel)等人用实证分析的方法,得出保险需求与保险产品价格负相关、保险需求价格弹性不大两个命题。本文用线性回归的方法对我国某地区近两年保险业的统计数据进行分析,得出的结果与这两个命题相吻合。并且提出通过价格政策提高保险需求效果有限及通过价格管制提升保险行业效益难以奏效等结论。

Babbel and others proved exponentially two propositions that insurance demands are negatively related to insurance product price and insurance needs have low price elasticity. The paper analyzed the recent two years＇ insurance statistics of a region with the linear regression method. The result of this analysis tallies with the above two propositions. The paper further proposed that changing pricing policy has limited effect on increasing insurance demands and pricing regulation will not be effective in improving profitability of the insurance industry.