我国机动车辆保险需求模型的实证分析

近年来我国机动车辆保险市场发展迅速,自1987年以来便成为财产保险业务的第一大险种,对财产保险公司整体经济效益影响极大。本文根据1986年至2009年的相关数据,针对影响机动车辆保险需求的因素建立模型,并在此基础上分析我国机动车辆保险的市场潜力。笔者认为要挖掘我国的车险市场潜力就需要保险当局加大保险费率监管、保险行业加大宣传力度、保险公司提高服务效率等,更好地促进我国车险市场的发展。

In recent years, China motor vehicle insurance market has made rapid development. Sinee1987 ,it has become the first big insurance categories in the property insurance business , having greatly in- fluence in the whole economic of property insurance company . In my paper , according to the related data from 1986 to 2009 , Specific to the influence factor of the demand of motor vehicle insurance to set a model . And on this basis to analysis the market potential of China~ motor vehicle insurance. The writer consider that the supervi- sion and control of insurance premium should be increased by insurance authorities , and the publicity work of the insurance industry should be strengthen , in the same time the service efficiency of insurance companies should be improved and so on. In order to promote the better development of motor vehicle insurance market.