低利率下我国寿险需求的影响因素分析研究
发布时间：2019-03-15 07:13
【摘要】：可以预见,在未来很长一段时间内,保险业将进入飞速发展的“黄金期”,新的机遇将接踵而至。从宏观层面看,经济发展进入新常态,国家发展战略大转型,政府治理向创新型转变,企业亟需应对新的市场风险,人民群众风险意识增强,这些变革正在悄然发生,为保险业的发展提供了广阔的舞台。未来,保险行业将从广度和深度两个方面更大程度上服务社会,推动经济发展,全社会的“大保险”格局将逐渐清晰,发展环境将得到不断优化。另外,国家也制定了一系列支持保险行业发展的优惠政策,随着这些政策的逐步落地,由政策推动保险行业发展的作用也将逐步显现出来。同时,各级政府对于保险在保障公共基础设施建设上所发挥的作用的认识也逐步提高,在提供公共服务的过程中对接保险机制,逐步转变政府职能的意识也在不断提高。全国上下正掀起一股学保险、懂保险、用保险的热潮,保险国十条也在全国范围内逐步贯彻落实,不难发现,保险业的发展优势正逐步突显出来。保险业本着“惠而不贵”的原则,为全社会提供风险管理和保障服务,对冲风险,增强整个社会的安全感,有助于激发创业热情,促进经济发展的量质齐升。总而言之,保险正成为社会风险管理环节中最有效的手段之一,逐步确立起在经济社会发展中的主体地位。本文共分为四个部分,第一个部分围绕消费需求理论,探讨了本文实证研究的意义,阐述了本研究的参考价值；第二个部分从宏观层面对比了我国寿险市场与国际寿险市场的发展历程与现状,并从中梳理出了值得借鉴的部分；第三个部分为实证部分,涵盖的内容有样本数据的选择,基础数据的获取,描述性统计分析到影响因素的梳理；第四部分在回归分析的基础上,从不同维度对影响因素进行了细致分析,并建立起了微观保险消费需求模型,定量分析的结果对于研究各因素的影响具有十分重要的指导意义。第五个部分是全文的总结和扩展,并依据研究结论提出了相关政策建议。
[Abstract]:It can be predicted that for a long time in the future, the insurance industry will enter a "golden period" of rapid development, and new opportunities will ensue. From the macro level, the economic development has entered the new normal, the national development strategy has changed greatly, the government governance has changed to be innovative, the enterprises urgently need to deal with the new market risks, the people's awareness of risk has been enhanced, and these changes are taking place quietly. It provides a broad stage for the development of the insurance industry. In the future, the insurance industry will serve the society from the breadth and depth to a greater extent, promote the economic development, the "big insurance" pattern of the whole society will be clear gradually, and the development environment will be continuously optimized. In addition, the state has also formulated a series of preferential policies to support the development of the insurance industry. With the gradual landing of these policies, the role of the policy in promoting the development of the insurance industry will gradually appear. At the same time, governments at all levels have gradually improved their understanding of the role of insurance in ensuring the construction of public infrastructure. In the process of providing public services, the awareness of connecting insurance mechanisms and gradually transforming government functions is also increasing. The whole country is setting off an upsurge of learning insurance, understanding insurance, using insurance, the ten insurance countries are also gradually implemented throughout the country, it is not difficult to find that the development advantages of the insurance industry are gradually highlighted. Insurance industry is based on the principle of "benefit but not expensive", providing risk management and protection services for the whole society, hedging risks, enhancing the sense of security of the whole society, helping to stimulate entrepreneurial enthusiasm and promote the quantity and quality of economic development. In a word, insurance is becoming one of the most effective means of social risk management, and gradually establishes its main position in economic and social development. This paper is divided into four parts, the first part focuses on the theory of consumer demand, discusses the significance of this empirical study, expounds the reference value of this study; The second part compares the development process and current situation between China's life insurance market and international life insurance market from the macro-level, and combs out the part which is worthy of reference. The third part is the empirical part, covering the selection of sample data, the acquisition of basic data, descriptive statistical analysis to the carding of influencing factors; On the basis of regression analysis, the fourth part makes a detailed analysis of the influencing factors from different dimensions, and establishes a micro-insurance consumption demand model. The results of quantitative analysis have very important guiding significance for the study of the influence of each factor. The fifth part is the summary and expansion of the full text, and puts forward the relevant policy recommendations according to the research conclusion.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F842.6
本文编号：2440413
[Abstract]:It can be predicted that for a long time in the future, the insurance industry will enter a "golden period" of rapid development, and new opportunities will ensue. From the macro level, the economic development has entered the new normal, the national development strategy has changed greatly, the government governance has changed to be innovative, the enterprises urgently need to deal with the new market risks, the people's awareness of risk has been enhanced, and these changes are taking place quietly. It provides a broad stage for the development of the insurance industry. In the future, the insurance industry will serve the society from the breadth and depth to a greater extent, promote the economic development, the "big insurance" pattern of the whole society will be clear gradually, and the development environment will be continuously optimized. In addition, the state has also formulated a series of preferential policies to support the development of the insurance industry. With the gradual landing of these policies, the role of the policy in promoting the development of the insurance industry will gradually appear. At the same time, governments at all levels have gradually improved their understanding of the role of insurance in ensuring the construction of public infrastructure. In the process of providing public services, the awareness of connecting insurance mechanisms and gradually transforming government functions is also increasing. The whole country is setting off an upsurge of learning insurance, understanding insurance, using insurance, the ten insurance countries are also gradually implemented throughout the country, it is not difficult to find that the development advantages of the insurance industry are gradually highlighted. Insurance industry is based on the principle of "benefit but not expensive", providing risk management and protection services for the whole society, hedging risks, enhancing the sense of security of the whole society, helping to stimulate entrepreneurial enthusiasm and promote the quantity and quality of economic development. In a word, insurance is becoming one of the most effective means of social risk management, and gradually establishes its main position in economic and social development. This paper is divided into four parts, the first part focuses on the theory of consumer demand, discusses the significance of this empirical study, expounds the reference value of this study; The second part compares the development process and current situation between China's life insurance market and international life insurance market from the macro-level, and combs out the part which is worthy of reference. The third part is the empirical part, covering the selection of sample data, the acquisition of basic data, descriptive statistical analysis to the carding of influencing factors; On the basis of regression analysis, the fourth part makes a detailed analysis of the influencing factors from different dimensions, and establishes a micro-insurance consumption demand model. The results of quantitative analysis have very important guiding significance for the study of the influence of each factor. The fifth part is the summary and expansion of the full text, and puts forward the relevant policy recommendations according to the research conclusion.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F842.6
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