浙江省人身保险需求的影响因素分析.docVIP

本科毕业论文 题 目  摘 要 经济问题是当今社会普遍关注的热点话题，随着保险经济体制的建立与完善、人身保险多元化生产经营的发展以及人身保险需求结构的调整，浙江省人身保险需求结构在不断变化。因此，深入调查浙江省人身保险需求状况并分析影响需求结构的主要因素，厘清人身保险需求的动态变化趋势、提升金融市场效率具有重要的现实意义。 本文从人身保险的起源、概念、理论基础和意义着手，基于国内外相关研究成果，对浙江省人身保险需求结构的现状及存在的问题进行全面的分析。首先，从理论上分析经济因素，人口因素，保险替代品因素，社会文化因素四个角度对于人身保险需求量的影响。其次，将浙江省人身保险需求通过SPASS对经济因素，人口因素，保险替代因素及社会文化因素进行分析。最后，基于现状分析与实证研究，提出改善我省人身保险需求的发展对策，为调整浙江省人身保险结构、完善金融市场服务体系带提供一定的借鉴与参考。 关键词：人身保险；需求量；经济；人口 ABSTRACT Nowadays, the rurals issue is a hot topic of common concern to the society, and the key way to save the problems is developing the rural economic system. Along with the establishment and perfection of rural market economic system, diversification of production and operation of farmers’ development, and rural industrial structure adjustment, the rural financial market in constantly changing households’ credit demand, so that making a deep survey to know the farmers’economic demand and studying the main factors to know the trend of farmers’ demand, improve the farmers credit markets is particularly urgent and necessary. The paper based on relevant research results at home and abroad Starts from the households’ credit origin, concept, theoretical basis and significance, the present situation of the structure of households credit’s demand and comprehensive analysis about the farmers in Zhejiang province, this paper discusses existing problems. Firstly, through the basic information from farmers, families, credits’experience and local financial ecology, studies the influence factors of peasant households credit’s demand. And then choosing some farmers in Zhejiang, do a questionnaire survey to study rural residents in Zhejiang province about the present situation of the structure about household’ credit demand. Secondly, we divided the household credit demands into consumer credit and production demand, using the probit model study the structure and the influencing factors. Finally, based on the current situation analysis and empirical research, we