湖南师范大学社会科学学报
湖南師範大學社會科學學報
호남사범대학사회과학학보
Journal of Social Science of Hunan Normal University
2013年
1期
123~130
,共null页
养老保险制度 人口结构 市场竞争 人身险消费
養老保險製度 人口結構 市場競爭 人身險消費
양로보험제도 인구결구 시장경쟁 인신험소비
social security institution; population structure; market competition; life insurance consumption
在消费需求不振的宏观背景下，人身保险消费却持续高速增长。用2000～2010年中国分省数据进行的实证检验发现：养老保险制度变迁和市场竞争是我国人身保险消费持续高速增长的重要原因。人身保险消费随着城镇基本养老保险替代率的不断下降和市场竞争激烈程度的上升而不断增加。但人口结构对保险消费的影响却有些模糊。
在消費需求不振的宏觀揹景下，人身保險消費卻持續高速增長。用2000～2010年中國分省數據進行的實證檢驗髮現：養老保險製度變遷和市場競爭是我國人身保險消費持續高速增長的重要原因。人身保險消費隨著城鎮基本養老保險替代率的不斷下降和市場競爭激烈程度的上升而不斷增加。但人口結構對保險消費的影響卻有些模糊。
재소비수구불진적굉관배경하，인신보험소비각지속고속증장。용2000～2010년중국분성수거진행적실증검험발현：양로보험제도변천화시장경쟁시아국인신보험소비지속고속증장적중요원인。인신보험소비수착성진기본양로보험체대솔적불단하강화시장경쟁격렬정도적상승이불단증가。단인구결구대보험소비적영향각유사모호。
Under the background of the consumption insufficient, the life insurance consumption kept growing rapidly in China. Using provinces data from 2000 to 2010, the empirical result suggested that the social security institutions evolutions and the market competition were the important causes of the increase of life insurance consumption. The life insurance consumption increases with the descending of substituted rate of urban social security and the ascending of insurance market competition, but the effect of population structure on the life insurance con- sumption is unclear.
