我国机动车辆保险市场发展的需求拉动因素研究

Research on Demands-driven Factors for the Development of the Motor Insurance Market in China

近些年来,我国机动车辆保险市场呈现出迅速扩张的势头,车险成为提升最快的险种之一。目前作为财产保险的第一大险种——机动车辆保险,在促进财产保险业发展的同时也成为整个保险业的重大影响因素之一。本文在对我国机动车辆保险市场发展现状进行阐述的基础上,分析各个因素对于机动车辆保险市场的影响。根据影响需求的因素分析并结合计量经济学回归模型,提出相关的政策与建议从而发掘机动车辆保险市场需求潜力,并根据模型得出的结论对未来几年我国机动车辆保险的保费收入做出相应的预测。

The motor vehicle insurance market in China has been expanding rapidly in recent years and has become one of the lines of business with the fastest growth rate. As the biggest insurance business of property insur- ance, motor vehicle insurance has greatly enhanced the development of the property insurance and is also one of the major drivers for the development of the whole insurance industry. This paper analyzed various factors affecting the motor vehicle insurance market following an elaboration on the current situation of motor vehicle insurance market in China. Based on the factors influencing motor vehicle insurance demands and in combination with the measurement economics model, the paper tried to come up with some advice and policy suggestions to further exploit the market potential and make a reasonable prediction for the premium income of motor vehicle insurance in China in the coming years according to the results of the analysis.