基于市场数据的中国责任险市场发展研究

Research on the Development of Liability Insurance Market in China based on Market Data

目前我国责任保险的发展水平与经济增长需求不相适应,存在市场规模小、险种单一、盈利能力差的问题。本文基于市场数据的描述性分析,对10项经济指标进行主成分分析,提取四项综合指标建立多元回归模型,实证探究影响我国责任保险发展的因素,得到经济发展程度、社会风险水平、法律环境对责任保险发展有正向影响的结论,并基于此提出有关政策建议。

At present,the development level of China's liability insurance is not in step with the demand of economic growth,and there are some problems such as small market scale,less insurance types and low profits.Based on the descriptive analysis of market data,this paper analyzes 10 economic indicators by principal component analysis,and extracts four comprehensive indicators to establish a multiple regression model.Using this model to study the factors that affect the development of liability insurance,the conclusion is that the economic development level,social risk level and legal environment have a positive impact on the development of liability insurance.Based on this,some policy suggestions are put forward.