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| 论文编号： | 2993 | |
| 作者编号： | 2220080999 | |
| 上传时间： | 2011/3/29 10:26:16 | |
| 中文题目： | 中国寿险需求影响因素及需求潜力开发研究 | |
| 英文题目： | Determinants and Potential Development | |
| 指导老师： | 王迎军 | |
| 中文关键字： | 关键词：寿险需求；寿险保费；寿险深度；寿险密度 | |
| 英文关键字： | Key Words：The demand of life insurance; Premium income；Life insurance density; Life insurance penetration | |
| 中文摘要： | 摘 要 自保险业恢复发展以来，我国保险业取得了突飞猛进的发展，寿险业更是取得了举世瞩目的发展。但是，在寿险业快速发展的同时也面临着有效需求不足的问题，相对于我国巨大的人口总量和快速发展的经济，寿险业显然未得到充分发展。在这一背景下，通过研究影响我国寿险需求的因素，从而对如何推动寿险发展提出政策建议，成为了本文研究的重点。 本文首先回顾了研究寿险需求的理论，给出了寿险需求的定义和特点，进而具体分析了影响寿险需求的经济因素、社会因素和文化因素。从分析中可以得出寿险需求与宏观经济情况、总人口数量、受教育程度等呈正相关关系，与社会保障体系、我国的传统文化观念呈负相关关系，宏观经济政策、人口年龄结构、法律法规建设以及收入分配政策等对寿险需求也有较大影响。通过对各因素的分析，结合我国国情，可以看出我国的寿险市场具有相当大的发展潜力。我国高速发展的经济、庞大的人口总量和老龄化趋势、正确的政策引导、以及国际和国内环境都为寿险发展提供了契机。寿险行业要抓住这个难得的机遇，积极将国内潜在的寿险需求转化为现实购买。根据本文对影响寿险需求因素的分析，笔者对应该如何刺激寿险需求提出了相关建议。 | |
| 英文摘要： | Abstract Since the resumption of development of the insurance industry, China's insurance industry has achieved rapid development and life insurance has obtained remarkable development. However, the life insurance industry is also facing the problem of insufficient effective demand. Relative to the total amount of China's huge population and rapid development of economy, life insurance is clearly not fully developed. In this context, by studying the factors that affect the demand of life insurance, this paper focus on how to give policy recommendations to promote the development of life insurance. This paper reviews the theory of the demand of life insurance, gives the definition and characteristics of the demand of life insurance, and then analyzed the economic factors, social factors and cultural factors. From the analysis, we can see that the demand and the macroeconomic situation, the total population and the level of education are positively correlated, and the social security system, China’s traditional culture are negative correlated; macroeconomic policy, population age structure, laws and regulations, and policies on income distribution also affect the demand of life insurance. Through the analysis of various factors, combined with China's national conditions, we can see that China's life insurance market has considerable growth potential. China's rapidly developing economy, large total population and the aging trend, the correct policy, as well as international and domestic environments give an opportunities for the life insurance. Life insurance industry should seize this rare opportunity and try to translate the potential demand of the life insurance into reality. According to the analysis, the author tries to give some suggestions on how to stimulate the demand of life insurance. | |
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