中国人身保险需求的实证分析

从理论角度分析了GDP、收入水平、人口因素、社会保障、通货膨胀等因素对我国人身保险需求的影响,并依1990年到2005年的相关数据,运用因子分析、平稳性检验、多元线性回归等方法对上述因素进行了实证分析.在分析中针对多重共线性问题,引入偏最小二乘回归对模型加以改进.同时,对我国人身保险市场发展提出了要加大寿险宣传力度、创造良好宽松的外部环境、优化险种结构、完善保险法规建设等建议.

Real diagnosis analysis on life insurance demand of china

Kinds of factors were analysed that influence the life insurance industry's growth from the qualitative aspect,such as GDP,income,population and its structure,social security,inflation,and so on.Then utilizing factor analysis,augmented dickey-fuller test and partial least square regression real diagnosis analysis was done by using relative data from 1990 to 2005.To avoid harmful effects due to multi-co linearity,partial least square regression was used to improve the model.The result fits in with theories a...