摘要
中国已经进入加速老龄化社会,中国人口老龄化目前具有人口预期寿命提高、人口增长速度下降、老龄化速度加快、未富先老以及老龄化区域差异显著等特征。在此背景下,养老需求量迅速增长,养老需求种类更加多样且区域差异日益明显,功能丰富的人身保险无疑将成为缓解养老压力的重要途径,但人口老龄化也可能会抑制定期寿险等纯保障型险种的消费。笔者通过利用中国2000—2015年的省际面板数据和动态面板系统GMM方法,实证检验人口老龄化对中国人身保险消费的影响发现,老年人口占比对人身保险消费存在显著正面影响,而且这种影响存在区域差异,老龄化程度越高,拉动程度越大。在此基础上,从产品结构优化、产品功能多样化、产品供给地域化、抵御通胀和服务升级等方面提出人身保险市场完善对策。
China is coming into a population aging society in high speed. The arrival of population aging has created various and different demand for old-age. Life insurance is an important method to relieve the pressure of old-age and will has a great growth in the future. Meanwhile population aging may reduce the consumption on protection products such as term life insurance. Based on panel data of 31 provinces during 2000- 2015, and the method of SYSGMM, this paper analyzed the impacts of population aging on the life insurance consumption in China. The results show the proportion of old has a positive impact on the life insurance consumption, and the impact is greater in high aging region. It is necessary to optimize the structure of products, diversify the function of products, supply different products in different region and update service in China＇s life insurance market.
出处
《中央财经大学学报》
CSSCI
北大核心
2017年第9期22-31,共10页
Journal of Central University of Finance & Economics
基金
中国保险学会项目"‘一带一路’战略下中国保险国际化问题研究"(项目编号:ISCKT2016-N-1-01)
江苏保险学会项目"人口结构转变对江苏省寿险市场发展的影响分析"(项目编号:SBX2016-1-AD-01)
关键词
人口老龄化
养老需求
人身保险
Population aging Demand for old-age Life insurance
