软科学
軟科學
연과학
Soft Science
2015年
11期
39-44
,共6页
政府作为%参保决策%参保意愿%保险需求%问卷调研
政府作為%參保決策%參保意願%保險需求%問捲調研
정부작위%삼보결책%삼보의원%보험수구%문권조연
government strategy%insurance decision%willingness to participate in insurance%insurance demand%question-naire survey
从微观层面入手,以全国八大省区的上千份一对一的问卷调查数据为依据,尝试从政府行为、保户风险认知程度等角度进行分析,采用理论研究与计量模型分析相结合的方法,理论探究及实证检验影响保险需求的若干因素,并进一步提出强化政府作为、增大保险有效需求、促进我国保险业发展的政策思路.
從微觀層麵入手,以全國八大省區的上韆份一對一的問捲調查數據為依據,嘗試從政府行為、保戶風險認知程度等角度進行分析,採用理論研究與計量模型分析相結閤的方法,理論探究及實證檢驗影響保險需求的若榦因素,併進一步提齣彊化政府作為、增大保險有效需求、促進我國保險業髮展的政策思路.
종미관층면입수,이전국팔대성구적상천빈일대일적문권조사수거위의거,상시종정부행위、보호풍험인지정도등각도진행분석,채용이론연구여계량모형분석상결합적방법,이론탐구급실증검험영향보험수구적약간인소,병진일보제출강화정부작위、증대보험유효수구、촉진아국보험업발전적정책사로.
Applying related theory and econometric model to analyze data from practical investigation, this paper analyzes the government behaviors and insuanrants' attitudes to risks. And then, it explores the factors influencing the effective demand for insurance, based on thousands of one-on-one questionnaire survey data of Chinese eight provinces from micro perspec-tive. In the end, it puts forward some suggestions to further strengthen the government role, increase the effective demand of insurance and promote the development of insurance in our country.
