我国城镇化、老龄化对人身保险市场发展的影响研究

目的/意义 研究我国城镇化、老龄化对人身保险市场发展的影响, 以期为人身保险行业的健康发展提供合理建议。方法/过程 基于我国31个省、自治区、直辖市(港澳台除外)2007—2016年的面板数据，运用动态面板广义矩估计(GMM)方法进行实证分析。结果/结论 城镇化对人身保险市场的积极影响主要体现在人身保险密度和市场份额，但是不利于人身保险深度。老龄化对人身保险密度、深度和市场份额均有显著的正向影响，说明当前的老龄化过程不仅有利于人均保费的增长和人身保险在整个保险市场占比的增加，而且还有利于提高人身保险在整个国民经济中的地位。

The Impacts of Urbanization and Aging on the Development of Life Insurance Market in China

Purpose/Significance To study the impact of urbanization and aging on the development of the life insurance market in China can provide reasonable suggestions for the healthy development of life insurance industry.Method/Process Based on the panel data of 31 provinces, cities and autonomous regions in China (excluding Hong Kong, Macao and Taiwan) from 2007 to 2016, this paper uses GMM method to carry out an empirical analysis.Result/Conclusion The results show that the positive impact of urbanization on life insurance market are mainly reflected in the density and market share, but it is not conducive to the depth of life insurance. Aging has a significant positive impact on the density, depth and market share of life insurance, which indicates that the current aging process is not only conducive to the growth of per capita premiums and the proportion increase of life insurance in the whole insurance market, but also conducive to the improvement of the status of life insurance in the whole national economy.