影响我国人寿保险需求的因素分析.pdfVIP

要 随着我国社会主义市场经济的深入发展，居民可支配收入的不断增加，同时， 居民承受自然灾害、意外事故的压力加大，我国的人寿保险业将迎来一个蓬勃发 展的大好机遇。国内外大量研究表明，人寿保险在很大程度上能降低居民承受自 然灾害、意外事故的风险，同时人寿保险也是一种不错的投资渠道。面对保险业 迅速发展的良好态势，如何充分发掘我国人寿保险市场的发展潜力，促进我国寿 险业有序健康发展，已成为一项重要课题。 本文的研究目的在于分析研究影响我国人寿保险市场需求的主要因素，并通 过定量与定性分析相结合的方法提出相应的解决措施。本文首先对国内外有关人 寿保险需求的相关理论研究进行了梳理。随后，文章对影响人寿保险需求的因素 进行了研究，从保险自身因素和保险外界因素两个方面分析了影响我国人寿保险 的需求因素，并运用聚类分析方法和自然对数多元线性回归模型对人寿保险需求 进行差异分析，得出了相关结论。最后，本文从几个方面分析了当前我国人寿保 险需求增 面临的问题和挑战，并相应地提出了可行的对策。 关键词：人寿保险 需求 对策 1 Abstract During the deeply development of Chinas socialist market economy and the increase of resident s disposable income, the pressures of natural disasters and accidents are increased, and then Chinas life insurance industry will see in a booming good opportunity. A large number of studies have shown that life insurance can reduce the risks of natural disasters and accident risk, and life insurance is also a good investment channels. Face to the rapid development of the insurance industry,, how to expore the development potential of Chinas life insurance market and promote orderly and healthy development of Chinas life insurance industry has become an important issue. The purpose of this study is to analyze the maj or factor demand of Chinas life insurance market, and propose solutions through quantitative and qualitative analysis method. Firstly, this paper will comb the studies of life insurance demand theory, and make an investigation for the factors that affect life insurance demand from two aspects, and then draw the relevant conclusions by using the cluster analysis methods and the natural logarithm of multiple linear regression models. Finally, this paper will analyze the current growth in demand of Chinas life insurance problems and challenge