中国保险需求收入弹性研究 毕业论文.doc

中国保险需求收入弹性研究 摘 要 伴随着中国保险业的快速发展，中国保险市场已初步形成了竞争格局，但保险在各地区之间的发展却存在着差异。为了更好的促进我国保险业的发展，本文主要运用模型分析法和计量回归分析法来研究我国保险需求的收入弹性。通过计算我国以及东部、中部和西部地区的保险需求收入弹性，得出两点结论：第一，我国保险需求收入弹性系数基本上都大于1，保险产品在我国还属于奢侈品。第二，东部、中部和西部地区的保险需求收入弹性存在差异。在保险市场成熟的东部地区，保费收入受保险需求弹性影响较大，而在保险市场不成熟的西部地区，保费收入受保险需求收入弹性较小。最后在此基础上提出我国保险业未来发展的几点建议。 关键词： 保险需求； 国内生产总值；弹性系数； 发展建议 Abstract With the rapid development of Chinas insurance industry, Chinas insurance market has initially formed a competition pattern, but there are some differences in the development of insurance between regions. In order to better promote the development of Chinas insurance industry, in this article I mainly use model analysis and research on measurement methods of regression analysis to study the income elasticity of demand for Chinas insurance. By calculating the insurance income elasticity of demand in the eastern, central and western ,and the income elasticity of demand for China’s insurance.There comes to two conclusions. First, the insurance income elasticity coefficients in China is almost greater than 1, and insurance products in China also belongs to the luxury. Second, the insurance income elasticity is different in the eastern, central and western region. In the insurance mature market such as Eastern, the insurance premium has significant impact on income elasticity of demand, while in the insurance poor market such as West, the insurance premium has less impact on income elasticity of demand. Finally, I would like to make several suggestions for the future development of the insurance industry in China. Key words: Insurance demand ; GDP; elasticity; development proposal 目 （一）研究背景及意义 保险业作为国民经济中特殊的金融服务行业，在社会生产和社会生活中具有重要的作用。我国保险业自1980年全面恢复业务以来取得了令人瞩目的成就。保险公司的数量从最初的一家发展到2009年的124家，其中保险集团公司8家，中资保险公司68家，中外合资保险公司52家，并已初步形成了保险市场的竞争格局。2010年保费收入为1452797亿元，2010年的保险深度3.65%，保险密度1084.97元/人，中国保险业保持了较高的增长速度，平均年增长速度为32.3%。但长期以来，我国保险业采取的是粗放式的经营模式，重规模，轻效益，导致了我国保险业在规模迅速扩张的同时产生了很多深层次的结构性问题。东部地区发展水平较高，西部地区发展水平较低。 国内外有许多学者都对我国保险需求收入弹性进行过研究，通过对经济发