“十二五”期间陕西省财产保险市场需求变化分析  

Empirical Analysis of Property Insurance Demand in Shaanxi Province in the Period of 12th Five-year Plan

作　　者：刘珺[1] 杨馥[1] 

机构地区：[1]西安财经学院经济学院,西安710100

出　　处：《西北农林科技大学学报（社会科学版）》2012年第3期69-73,共5页Journal of Northwest A&F University(Social Science Edition)

基　　金：陕西省教育厅科学研究项目计划(11JK0107)成果之一

摘　　要："十二五"期间陕西省经济社会的持续发展为陕西省财产保险市场的发展提供有利契机。财产保险需求是度量财产保险市场发展状况的重要指标。以陕西省财产保险保费收入作为衡量其市场需求的变量,参考财险的保险密度和保险深度等指标,选取1990-2009年的相关数据,采用协整技术,利用自然对数模型对陕西省财产保险市场需求进行实证分析,结论是保险产品的价格对保险需求影响不明显,GDP、保险赔款和固定资产投资增速对保费收入影响显著。并据此"十二五"期间陕西省财产保险市场需求变化趋势进行预测,预计"十二五"期间陕西省财产保险保费收入的年均增长率约为16%。The development of property insurance market in Shaanxi Province will be promoted by me sustain- able development of ShaanxVs economy and society during the period of the 12th Five-year Plan. The demand of property insurance is a key index of the development of property insurance market. The demand of property insur- ance market is measured by its premiums in the province. Based on the data in 1990-2009, we make empirical a- nalysis on the demand of property insurance market in Shaanxi by cointegration and logarithm function-model. It is found that the price does not affect insurance demand obviously, but the increasing rate of GDP, indemnity and fixed asset investment influences it remarkably. Following the results, we predict the trend of property insurance market demand. The increasing rate of insurance market demand in Shaanxi during the 12th Five-year Plan will be about 16 % per year.

关 键 词：财产保险需求 陕西省 “十二五” 保险市场 

分 类 号：F812.44[经济管理—财政学]