非寿险需求、经济发展与损失可能性——来自1997～2003年31个省（市）的实证 分析  

The Determinants of Non-life Insurance Market Demand in China

作　　者：赵桂芹[1] 

机构地区：[1]上海财经大学金融学院,上海200433

出　　处：《预测》2006年第3期48-54,共7页Forecasting

基　　金：上海财经大学"211工程"科研资助项目

摘　　要：本文运用面板数据分析方法实证分析了1997～2003年中国内地31个省（市）非寿险市场需求的影响因素，探讨了经济、保险消费意识、损失可能性、价格以及市场竞争程度等因素对非寿险保费收入的影响。研究发现，经济因素、消费意识和市场竞争程度对一个地区的非寿险消费有显著的正向影响；而损失可能性因素，如交通事故损失、火灾事故损失以及农业受灾面积对非寿险消费的影响为正但并不显著，说明我国非寿险市场还有广阔的发展空间，This paper examines the effect of economic development, insurance consumption consciousness, loss likelihood, insurance price, loss and market competition on non-life insurance demand using the panel data analysis method. The .sample data includes the related data of 31 provinces （city） from 1997--2003 in Chinese inland. This paper finds that economic development, consumption consciousness and market competition have significant positive effects on the non-life consumption; loss likelihood, such as the traffic accident loss, fire accident loss and agriculture disaster have positive effect on the non-life insurance consumption, but not significantly, .so the non-life insurance market in China have broad development space.

关 键 词：面板数据 固定效应 随机效应 

分 类 号：F842.6[经济管理—保险]