青海省人身保险市场发展路径研究  

Research on the Development Path of Life Insurance Market in Qinghai Province

作　　者：宋沁鸽 李阳[1] Song Qinge;Li Yang(Qinghai University for Nationalities,Xining 810000,Qinghai)

机构地区：[1]青海民族大学经济与管理学院,青海西宁810000

出　　处：《江苏商论》2020年第9期97-100,共4页Jiangsu Commercial Forum

摘　　要：自改革开放以来,我国保险业迅速发展,在我国发挥着稳定社会、助推经济的重要作用,至今取得了举世瞩目的成就。但由于起步较晚,与发达国家相比,整体仍处于较低水平。在国家开发大西北的背景下,金融服务业的跟进对于改善西北地区经济落后状况至关重要。一直以来,人身保险保费在保险市场中占有较大份额,是当前主要的保险产品。本文在搜集整理青海省2010-2018年相关人身保险统计数据的基础上,探究青海保险业发展现状,对影响人身保险发展的内外部因素进行分析,结合青海省情,为促进青海保险业健康可持续发展提出可行性政策建议。Since the reform and opening up,China's insurance industry has developed rapidly,playing an important role in stabilizing society and boosting the economy in China.So far,it has achieved world-renowned achievements.However,due to the late start,compared with developed countries,the whole is still at a lower level.In the context of the national development of the Northwest,the follow-up of the financial services industry is essential to improve the economic backwardness of the Northwest.Life insurance premiums have always occupied a large share in the insurance market and are currently the main insurance products.Based on the collection and compilation of relevant statistics of life insurance in Qinghai Province from 2010 to 2018,this paper explores the development status of the insurance industry in Qinghai,analyzes the internal and external factors that affect the development of life insurance,and combines the situation of Qinghai Province to promote health in Put forward feasible policy suggestions for sustainable development.

关 键 词：人身保险 保险密度 保险深度 影响因素 

分 类 号：F84[经济管理—保险]