人口结构转变对江苏省人身保险市场发展的影响研究

The Impact of Demographic Structure Shift on Life Insurance Market in Jiangsu Province

人口结构的变化会给人身保险市场带来深远影响。基于江苏省人口自然结构、人口社会结构和人口地域结构的变化描述以其对人身保险市场产生影响的理论分析,构建检验模型,研究人口结构转变对江苏省人身保险市场发展的影响。结果表明:少年儿童抚养比、有配偶的人口比重、城镇人口比对人身保险市场发展具有显著正向影响;男女性别比对人身保险市场发展具有显著负向影响;老年人抚养比、大专以上学历人口占比、平均家庭户规模目前的影响并不显著。基于此,提出江苏省人身保险市场发展策略。

Demographic structure shift may have deep impact on the development of life insurance market.Based on the description of demographic natural structure,demographic social structure and demographic regional structure and the theoretical analysis of the impact of demographic structure shift on life insurance market,the paper constructs the test model to test the impact concerned in Jiangsu province.The results show that the youth dependency ratio,the married population ratio and the urban population ratio havea po sitive impact on the life insurance market while the sex ratio has a negative impact on the market,and the old dependency ratio,education ratio and average household scale have insignificant impact on the market.Based on the analysis,this paper proposes several strategies for futuredevelopment of life insurance market in Jiangsu province.The strategies include noticing gender difference,paying close attention to growth of teenagers, innovating endowment insurance,considering family structure,placing emphasis on insurance education and caring about urbanization.