| 中国财产保险需求影响因素的实证研究 |
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| 引用本文： | 张宗军,王向楠.中国财产保险需求影响因素的实证研究[J].经济与管理,2011,25(6). |
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| 作者姓名： | 张宗军 王向楠 |
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| 作者单位： | 1. 兰州商学院金融学院,甘肃兰州730020;西南财经大学保险学院,四川成都610074
2. 西南财经大学保险学院,四川成都,610074 |
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| 摘 要： | 运用中国1980-2009年的相关数据,引入六个解释变量,采用逐步回归方法,对中国财产保险需求的影响因素进行了实证分析,结果表明:与人寿保险需求截然不同,经济增长、人均收入、风险意识对财产保险需求未发现有显著影响;而固定资产投资、汽车拥有量和货物运输量对财产保险需求有着显著的推动作用.实证结果进一步解释了财产保险市场结构严重失衡的状况.
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| 关 键 词： | 财产保险需求 影响因素 市场结构 逐步回归 |
Empirical Study about Factors Influencing China' Property Insurance Demand |
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| Zhang Zongjun,Wang Xiangnan.Empirical Study about Factors Influencing China'' Property Insurance Demand[J].Economy and Management,2011,25(6). |
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| Authors: | Zhang Zongjun Wang Xiangnan |
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| Institution: | Zhang Zongjun1,2,Wang Xiangnan2(1.School of Financing,Lanzhou University of Finance and Economics,Lanzhou 730020,China,2.Insurance School,Southwestern University of Finance and Economics,Chengdu 610074,China) |
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| Abstract: | This paper examines the factors influencing property and insurance demand by using relative data from 1980 to 2009,introducing six explanatory variables and employing the stepwise regression method.The conclusion illustrates that economic development,per capita income,consumer' s insurance consciousness have not significant effect on property and insurance demand,but fixed asset investment,the number of car ownership,the number of cargo traffic have insignificant effect on property and insurance demand.The ... |
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| Keywords: | property insurance demand influencing factor market structure stepwise regression |
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