| 人身险需求对物价波动的非对称响应——基于中国2000-2010年季度数据的实证研究 |
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| 引用本文： | 黄荣哲,农丽娜. 人身险需求对物价波动的非对称响应——基于中国2000-2010年季度数据的实证研究[J]. 广西金融研究, 2011, 0(11): 37-40 |
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| 作者姓名： | 黄荣哲 农丽娜 |
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| 作者单位： | 1. 广西财经学院,广西南宁,530003
2. 中国人民银行南宁中心支行,广西南宁,530028 |
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| 摘 要： | 基于中国人身险市场2000-2010年季度数据的实证分析表明,人身险需求增长率对于物价波动的反应是非对称的。首先与物价明显上涨的情况相比较,人身险需求对物价明显下跌的反应更加强烈。其次,适当提高名义利率的通货膨胀弹性将有助于人身险市场的快速发展。第三,目前温和的通货膨胀可以促进人身险需求的增长,人身险企业应该抓住扩大内需的有利时机。第四,由于市场需求模式在门限值附近出现较大改变而有可能冲击人身险行业,所以当通货膨胀率接近门限值时,人身险行业应该及时地调整营销策略。
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| 关 键 词： | 人身险 通货膨胀 需求模式 非对称性 |
Asymmetrical Response of Personal Insurance Demand to Price Fluctuation |
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| Huang Rongzhe Nong Lina. Asymmetrical Response of Personal Insurance Demand to Price Fluctuation[J]. JOurnal of Guangxi Financial Research, 2011, 0(11): 37-40 |
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| Authors: | Huang Rongzhe Nong Lina |
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| Affiliation: | Huang Rongzhe Nong Lina (Guangxi University of Finance and Economics,Nanning Guangxi 530003,PBC Nanning Central Sub-branch,Nanning Guangxi 530028) |
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| Abstract: | Based on quarterly data of Chinese personal insurance market during 2000-2010,empirical analysis shows that growth rate of personal insurance demand reacts asymmetrically to price fluctuation.Firstly,distinctly falling price level casts greater influence to personal insurance than distinctly increasing price level.Secondly,properly enhancing inflation elasticity of interest rate can accelerate development of personal insurance market.Thirdly,personal insurance enterprises aimed at enlarging market should gr... |
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| Keywords: | Personal Insurance Inflation Demand Pattern Asymmetry |
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