金融理论与实践
金融理論與實踐
금융이론여실천
FINANCIAL THEORY AND PRACTICE
2013年
1期
82-86
,共5页
人寿保险需求%人口统计学%文化和心理因素%保障方式
人壽保險需求%人口統計學%文化和心理因素%保障方式
인수보험수구%인구통계학%문화화심리인소%보장방식
life insurance demand%demography%culture and psychological factors%protection patterns
借助中国家庭金融调查项目所提供的大样本、高质量的微观数据,分析我国居民人寿保险的需求状况,从人口统计学变量、文化和心理因素、保障方式等方面考察了我国居民在寿险投保率、投保时所选择的具体险种以及主要险种投保金额上的差异,并解释其原因.国内以往从个体层面研究寿险需求问题的并不多,希望此次研究能为后续相关研究提供一定的启发和参考.
藉助中國傢庭金融調查項目所提供的大樣本、高質量的微觀數據,分析我國居民人壽保險的需求狀況,從人口統計學變量、文化和心理因素、保障方式等方麵攷察瞭我國居民在壽險投保率、投保時所選擇的具體險種以及主要險種投保金額上的差異,併解釋其原因.國內以往從箇體層麵研究壽險需求問題的併不多,希望此次研究能為後續相關研究提供一定的啟髮和參攷.
차조중국가정금융조사항목소제공적대양본、고질량적미관수거,분석아국거민인수보험적수구상황,종인구통계학변량、문화화심리인소、보장방식등방면고찰료아국거민재수험투보솔、투보시소선택적구체험충이급주요험충투보금액상적차이,병해석기원인.국내이왕종개체층면연구수험수구문제적병불다,희망차차연구능위후속상관연구제공일정적계발화삼고.
This paper studies Chinese residents’ life insurance demand, using the large and high-quality micro sample provided by China household finance survey(CHFS). From the perspective of the demography variables, culture and psychological factors, and protection patterns, the authors investigate and analyze Chinese residents’life insurance ownership ratio, the specific types of insurance as well as the insurance coverage amount. There are few domestic literature studies this problem from individual level, so this paper plays a beneficial role for further study on this topic.
