互联网保险发展对城镇居民消费影响的实证分析

Empirical Analysis of the Impact of Internet Insurance Development on Urban Residents’Consumption

随着互联网的广泛普及,同时受到经济水平和政策变化的影响,城镇居民对于互联网保险的需求变得更加多元化。基于2014—2019年的互联网保险保费和城镇居民家庭人均消费支出数据,研究互联网保险发展和城镇居民消费之间的动态关系。结果表明,互联网保险的发展会影响城镇居民的消费水平。最后,从价值主张、客户需求和关键科技三个角度,提出发展互联网保险、促进城镇居民消费的政策建议。

With the widespread popularization of the Internet and the impact of economic level and policy changes,the demand of urban residents for Internet insurance has become more diversified.Based on the data of Internet insurance premium and per capita consumption expenditure of urban households from 2014 to 2019,this paper studies the dynamic relationship between the development of Internet insurance and urban residents’consumption.The results show that the development of Internet insurance will affect the consumption level of urban residents.Finally,from three perspectives of value proposition,customer demand and key technologies,the paper puts forward policy suggestions to improve the development of Internet insurance and promote consumption of urban residents.