中国寿险需求实证分析

本文对国内外的寿险需求分析研究进行了简单综述，在此基础上抽取全目30省市1998—2003年的数据．采取面板数据模型就收入、通货膨胀、社会保障、银行利率、死亡率等寿险需求影响因素与保费收入相关性作了Granger因果性检验分析。

The real diagnosis analysis on life insurance demand of China

This article carried on the simple summary to the analysis on the domestic and foreign life insurance demand. Based on the data of 30 provinces of China from1998 to 2003, we adopted the kneading board data model and made the Granger casuality examination analysis on life insurance demand influence factors such as the income, inflation, social security, bank rate and mortality rate to the insurance premium income. The results showed that there was an unidirectional Granger causal relation between the controlled income and the insurance premium income, the inflation would cause the insurance premium income to drop, under the market economy reform environment the social security promoted the insurance premium income growth, the obvious inverse correlation o~curred between the bank rate and the insurance premium income, and the mortality rate increasing would impel the life insurance demand.