人身保险需求与收入关系分析:北京市为例

本文以北京市为例分析收入水平、收入差距与人身保险需求的关系。实证分析的结果表明城镇居民收入的增加促进人身保险需求的增加,农村居民的收入由于还停留在满足基本生活需要上,其收入的增加并不会促进人身保险需求的增加。北京市收入差距的增大将会减少人身保险需求。

Using Beijing as an example, this paper analyzed the relationship between income level, income disparity and personal insurance. Empirical analysis showed that the increase of urban resident income can promote the increase of personal insurance demand, while the increase of rural resident income can not promote the increase of personal insurance demand, as most of their income is used for their basic needs. The increase of Beijing’s income disparity will also decrease personal insurance demand.