分位数回归模型下财产保险需求的影响因素分析  

Analysis on the Factors Affecting the Demand of Property Insurance Under the Model of Quantile Regression

作　　者：刘乾龙 

机构地区：[1]南开大学经济学院,天津300071

出　　处：《保险职业学院学报》2015年第6期27-33,共7页Journal of Insurance Professional College

摘　　要：探究我国财产保险需求的影响因素是进一步促进保费收入增长的有效工具。收集我国不同省份的财险保费收入及其影响因素的面板数据,建立个体固定效应模型,采用固定效应变换法,消除个体固定效应,进而进行分位数回归估计,最后通过分析不同分位数水平下的各个影响因素回归参数估计值,得到各因素对已有不同财险保费收入地区的财险需求影响。Inquiring into influential factors of demand of property insurance is an effective measure to improve premium income.We establish an individual fixed effects regression model of panel data that includes the premium income of property insurance and its influential Factors in every province in china,eliminate individual fixed effects through fixed effects transformation,and then perform quantile regression analysis.Finally,by analyzing the estimated value of regression parameters of these factors in different quantile level,the influence on property insurance demand of different provinces can be obtained.

关 键 词：财产保险需求 分位数回归 面板数据 固定效应模型 

分 类 号：F840.65[经济管理—保险]