我国人寿保险需求影响因素的实证分析

An Empirical Analysis on the Factors Influencing the Demand of Life Insurance in China

本文对我国人寿保险需求影响因素进行分析,提出实际人均国内生产总值、社会保障、总抚养比、教育、死亡率等五个解释变量,采用人寿保险密度作为被解释变量,选取1995-2016年相关数据建立回归模型进行分析,发现死亡率与人寿保险需求不显著,总抚养比与人寿保险需求负相关,人均国内生产总值、社会保障、教育与人寿保险正相关,最后提出政策建议。

The paper makes a literature review on the factors influencing the life insurance demand,puts forward five explanatory variables such as the actual per capita GDP,social security,total dependency ratio,education and mortality rate,and uses life insurance density as the variable to be explained.The relevant data from 1995 to 2016 are selected to set up a regression model for regression analysis.The analysis shows that mortality rate and life insurance demand are not significant,the total dependency ratio is negatively correlated with the life insurance demand,while per capita GDP,social security,education and life insurance are positively related.And finally the paper puts forward policy recommendations.