我国居民人寿保险需求的调查分析  

An Investigation and Analysis of Chinese Residents' Life Insurance Demand

作　　者：王向楠[1,2] 王晓全[2] 

机构地区：[1]北京大学经济学院,北京100871 [2]西南财经大学保险学院,四川成都611130

出　　处：《金融理论与实践》2013年第1期82-86,共5页Financial Theory and Practice

基　　金：中国保险学会"教保"研究基金(jiaobao2011-07)

摘　　要：借助中国家庭金融调查项目所提供的大样本、高质量的微观数据,分析我国居民人寿保险的需求状况,从人口统计学变量、文化和心理因素、保障方式等方面考察了我国居民在寿险投保率、投保时所选择的具体险种以及主要险种投保金额上的差异,并解释其原因。国内以往从个体层面研究寿险需求问题的并不多,希望此次研究能为后续相关研究提供一定的启发和参考。This paper studies Chinese residents＇ life insurance demand, using the large and high-quality micro sample provided by China household finance survey（CHFS）. From the perspective of the demography variables, culture and psychological factors, and protection patterns, the authors investigate and analyze Chinese residents＇ life insurance ownership ratio, the specific types of insurance as well as the insurance coverage amount. There are few domestic literature studies this problem from individual level, so this paper plays a beneficial role for further study on this topic.

关 键 词：人寿保险需求 人口统计学 文化和心理因素 保障方式 

分 类 号：F840.62[经济管理—保险]