CAJ | 학술논문

冰灾,地震,台风,流感等灾害的发生,使得保险在经济可持续发展、社会和谐稳定中发挥着越来越重要的作用。正确、科学的分析保险需求的影响因素有利于保险业更快更好的向前发展。本文利用分位数回归方法,实证分析了保险需求同经济增长,通货膨胀,利率水平间的相互关系,得到了在不同的保费收入水平下,各个因素对保费收入水平的影响。结果表明,经济增长对保险需求具有促进作用,而通货膨胀和利率对保险需求产生负面的影响,并且在不同的保费收入水平下,这种影响是存在差异的。
빙재,지진,태풍,류감등재해적발생,사득보험재경제가지속발전、사회화해은정중발휘착월래월중요적작용。정학、과학적분석보험수구적영향인소유리우보험업경쾌경호적향전발전。본문이용분위수회귀방법,실증분석료보험수구동경제증장,통화팽창,리솔수평간적상호관계,득도료재불동적보비수입수평하,각개인소대보비수입수평적영향。결과표명,경제증장대보험수구구유촉진작용,이통화팽창화리솔대보험수구산생부면적영향,병차재불동적보비수입수평하,저충영향시존재차이적。
Insurance is playing an increasingly important role in sustainable economic development and social harmony as the occurrence of ice disaster,earthquakes,typhoons,and other disasters. To analyze the factors which affects the demand of insurance is an urgent request to insure that the insurance industry can develope rapidly and healthily. Using the quantile regression,this paper inspected three aspects that promote or inhabit the development of insurance industry,including economic growth,inflation,interest rate. The results show that the economic growth can promote the development of insurance industry,while inflation and interest rates have a negative impact on insurance,and at different levels of premium income,the influence is different.