黑龙江省人身保险市场需求影响因素

Empirical Analysis for Personal Insurance Market Demand in Heilongjiang Province

近年来,黑龙江省的人身保险市场发展较快,人身保险市场需求稳步增长,但与国内发达城市相比还存在很大差距.为了进一步分析出影响我省人身保险市场需求的主要因素及其影响程度,文章运用计量经济学的方法,利用1993年至2008年黑龙江省保险业发展数据,建立了多元线性回归模型,对影响黑龙江省人身保险需求的重要因素进行了实证分析.结果表明,居民可支配收入、通货膨胀是影响我省人身保险市场需求的主要因素,且影响效果较为显著.

Personal insurance in Heilongjiang province develops fast in recent years marked by steady market increase for demand.However,compared with the developed cities in our country,we still have a long way to go.In order to analyze the key factors and the extents that influence personal insurance market demand,the author conducts an empirical analysis by utilizing insurance industry data from 1993 to 2008 of Heilongjiang province as well as by using econometrics means to build multiple linear regression model.The conclusion is that disposable income and inflation are the key factors that influence personal insurance market demand in Heilongjiang province.Furthermore,nowhere is the effect of them more apparent than in this field.