摘要
随着城市化的建设和人口的逐步老龄化,我国居民对人寿保险的需求正不断上升。而经济的较高速发展和收入的稳步提高,为寿险业的发展提供了强有力的经济支持。从国际保险深度与保险密度的横向对比来看,我国寿险业的发展与世界平均水平有着极大差距,我国寿险业市场还有巨大的潜力等待挖掘。本文从经济理论出发,借助国际、国内相关经济数据,分析影响寿险业潜力的因素。通过对比世界平均水平、寿险业发达国家的平均水平,构建我国寿险业市场潜力测算指标体系。利用建立的结构模型和趋势模型,尝试对我国寿险业市场潜力进行测算和预测。研究结果表明,我国寿险业仍具有超出现有水平数倍乃至数十倍的潜力,不论是消费者还是生产者均对我国寿险业市场潜力的增长和开发均有重要影响。
With the urbanization construction and the gradual aging of our population, the need for life insurance is rising. And the rapid economic development and the steady income increase strongly support development of the life insurance industry. However, compared with the penetration and insurance density of international markets, there is still a great gap with the world average. In another words,there is huge potential awaiting us in China' s life insur- ance market. In this paper, starting from economic theory,we made analysis of the factors which affected the poten- tial of the life insurance industry,with the international and domestic economic data. By comparing with the average of developed countries and with the world average, we built an index system to project the market potential of China' s life insurance industry. In the end, we tried to calculate and predict the market potential of China' s life insurance industry with the structural model and trend model. The results showed that China' s life insurance indus- try still had the potential to exceed the current level by several times or even dozens of times. And both consumers and the producers
出处
《保险研究》
CSSCI
北大核心
2013年第4期52-62,共11页
Insurance Studies
关键词
寿险业
市场潜力
保险密度
life had important impacts on growth and development of China' s life insurance industry' s potential. insurance
market potential: insurance density