我国寿险需求的影响因素分析

Demand Factors analysis on Life insurance in China

发展寿险业是完善多层次社会保障体系的重要途径,而寿险需求是寿险业存在和发展的基础。本文运用理论与实证相结合的方法,研究了国内生产总值、居民可支配收入、通货膨胀、利率等因素对我国寿险需求的影响。选取1991～2007年的相关数据,运用多元线性回归模型对影响我国寿险需求的因素进行定量分析,结果表明,居民可支配收入水平对寿险需求有显著的促进作用,通货膨胀对我国寿险需求有抑制作用,利率对寿险需求的影响不显著。

Life insurance industry is one of most important part of social security system. Insurance demand is fundamental to the industry, development. This paper checked the influences of GDP,Disposable Income,Inflation rate and nominal interest rate on Life insurance demand using multiple linear regression model over the period 1991 2007. The results show that the Disposable Income of Households has a significant positive effect on life insurance demand, while the inflation rate has a negative effect and nominal interest rate is never significant.