我国人身保险需求的实证分析-Neas-Seminars.DOC

PAGE PAGE 2 Regression Analysis Project The influence of life insurance premium income in China Session: Summer 2014 Submitted by: xxx xxx 1. Introduction: With the development of the insurance industry, there are many factors that influence life insurance premium income in China, these factors also changed with time constant. In past years, some important factors from now may no longer dominate. At the same time, there are new factors that have an important impact. Based on the analysis of the life insurance premium data from 31 provinces and cities in 2010, this paper discusses relationships with personal income, childrens support rate, social security and other factors with the premium per capita using the multiple regression method.\ 2. Analyze: An illustrative scatter plot matrix for data on the data on the GDP, disposable income of family, the young dependency ratio and the elderly dependency ratio, education, education and social welfare of China in 2010, appears in Figure 1. Based on this, we can continue to analysis factors that have influence on the life insurance industry now: gross domestic product per capita (GDP) and disposable income of family No matter from the research results of empirical data or formerly the GDP per capita has a great contribution to the development of the insurance premium rate, the market plays an important role, and both are positive correlation. However, many theoretical studies show that per capita GDP can not completely represent the level of a countrys economic development and peoples life level. But the main source of Chinas life insurance premium income urban residents. At the same time, the per capita disposable income of residents has eliminated the influence of tax and other factors, more practical. Therefore, this paper discusses the use of per capita disposable income of residents to replace if GDP will achieve better results. Inflation Inflation is a hot topic this year, which brought out a series of problems