我国非寿险需求影响因素的实证分析  

An Empirical Study on Influential Factors of Non-life-insurance Demand in China

作　　者：夏益国[1] 

机构地区：[1]安徽工业大学经济学院金融系,安徽马鞍山243002

出　　处：《技术经济》2007年第3期117-120,共4页Journal of Technology Economics

摘　　要：运用1985-2005年的相关数据,考察了经济增长、消费者的保险意识、风险水平、保险价格和保险市场供给因素对非寿险需求的影响。结果表明:经济增长、消费者的保险意识、风险水平对非寿险需求有显著的影响;而非寿险价格和非寿险市场的供给因素对非寿险需求的影响并不显著。对上述结果进行了进一步的讨论。This paper examines the effect of economic development, consumers＇ insurance consciousness ,risk level, non life insurance price and the supplying factor of non-life insurance market on non-life insurance demand using relative data from 1985 to 2005. The conclusion illustrates economic development, consumer＇s insurance consciousness , risk level have significant effect on non-life insurance demand , but non- life insurance price and the supplying factor of non-life-insurance market have insignificant effect on non-life insurance demand. This paper provides further discumssion on the above conclusion.

关 键 词：非寿险需求 影响因素 回归分析 

分 类 号：F842[经济管理—保险]