人口老龄化对寿险需求影响的实证分析

An Empirical Study on the Demand of Life Insurance under the Background of Aging Population

通过构建量化的数据分析模型,梳理各类寿险需求的影响因子,对影响寿险需求的因素进行了综合分析。通过模型的验证发现,人口老龄化对寿险行业的发展呈现明显的正向促进作用。由此可以判定,在目前我国人口老龄化持续的背景下,我国寿险行业将面临更为广阔的发展空间。据此本文提出相应的政策建议。

Using a quantitative data analysis model,the paper sorst out the infl uencing factors of all kinds of life insurance demand and makes a comprehensive analysis of the influencing factors of life insurance demand.It fi nds that the aging population has a positive effect on the development of life insurance industry.Therefore,we can judge that under the background of the continuous aging of the population in China,the life insurance industry will face a broader development space.The paper fi nally puts forward some corresponding suggestion.