人均GDP1000美元前后国际寿险需求的比较

人均GDP1000美元前后各国的寿险需求呈现出较大的差异,其中一个重要原因是各国经济呈现出不同的增长速度。使用多元线性回归方法对国际寿险需求进行实证分析,结果显示,收入、城市化水平和金融发展是影响各国寿险需求的重要因素。因而,我们要从人们收入水平的增加中充分挖掘寿险业发展的潜力,在积极主动地参与城市化进程中大力倡导现代保险发展理念,并且从加强寿险业与宏观金融环境的联动中加快发展步伐。

The Comparison of International Life Demand under and over $1000 GDP Per Capita

The international life insurance demand under and over $1000 GDP per capita is different from country to country,and the main reason is the different speeds of economic development of different countries.Using multiple linear regression method,the paper analyzes the determinants of international life insurance demand around $1000 GDP per capita positively.The result shows that income,urbanization and financial development are important factors which affect life insurance demand.So,for China's life insurance industry,it should utilize the rising income level to enlarge its development potential,publicize modern ideas of insurance development through participating in the urbanization process actively,and quicken development pace from more deeply joining in the macro-finance environment.