本文關(guān)鍵詞： 保險(xiǎn)業(yè) 影響因素 保費(fèi)收入 回歸分析　出處：《西安電子科技大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：在我國(guó)經(jīng)濟(jì)快速發(fā)展的帶動(dòng)下，我國(guó)保險(xiǎn)業(yè)也取得了快速的發(fā)展。我國(guó)從1980年恢復(fù)了保險(xiǎn)業(yè)后，保險(xiǎn)業(yè)的發(fā)展更加迅速。從1980年到2011年，我國(guó)保費(fèi)收入從4.6億元增至14339.25億元，2004年保險(xiǎn)業(yè)首先結(jié)束了其入市的過(guò)渡期，進(jìn)入了對(duì)外開(kāi)放的階段。經(jīng)歷三十年對(duì)外開(kāi)放之路，中國(guó)的保險(xiǎn)業(yè)逐漸實(shí)現(xiàn)了與保險(xiǎn)市場(chǎng)和國(guó)際金融的接軌，保險(xiǎn)業(yè)也已經(jīng)成了我國(guó)的國(guó)民經(jīng)濟(jì)重要的一部分。到2011年，，我國(guó)保險(xiǎn)業(yè)的總資產(chǎn)已達(dá)59828.94億元，保險(xiǎn)業(yè)的發(fā)展?jié)摿薮螅绕涫?008年開(kāi)始，地震、冰災(zāi)、流感、臺(tái)風(fēng)等災(zāi)害的頻繁發(fā)生，更加顯示了保險(xiǎn)業(yè)的重要性，也加大了居民對(duì)保險(xiǎn)產(chǎn)品的需求。 本文在對(duì)我國(guó)保險(xiǎn)現(xiàn)狀分析的基礎(chǔ)上對(duì)陜西省的保險(xiǎn)發(fā)展現(xiàn)狀進(jìn)行分析。采用定性分析與定量分析相結(jié)合，理論分析與實(shí)證分析相結(jié)合對(duì)陜西省的保險(xiǎn)發(fā)展進(jìn)行實(shí)證分析。首先通過(guò)橫向比較分析陜西省和北京市及全國(guó)的保險(xiǎn)發(fā)展差異，通過(guò)縱向比較進(jìn)一步對(duì)陜西省的保險(xiǎn)發(fā)展現(xiàn)狀與其過(guò)去發(fā)展情況進(jìn)行分析。再運(yùn)用聚類分析方法分析陜西省保險(xiǎn)需求在全國(guó)所處的發(fā)展水平。然后分析陜西省保險(xiǎn)需求的影響因素，建立多元回歸模型進(jìn)行實(shí)證分析。對(duì)于財(cái)產(chǎn)險(xiǎn)采用SPSS軟件的嶺回歸進(jìn)行分析以研究財(cái)產(chǎn)險(xiǎn)的影響因素；人身險(xiǎn)采用逐步回歸法進(jìn)行分析找出對(duì)人身險(xiǎn)有顯著影響的因素。最后在對(duì)實(shí)證分析結(jié)果進(jìn)行分析的基礎(chǔ)上提出進(jìn)一步促進(jìn)陜西省保險(xiǎn)需求的政策建議。
[Abstract]:Driven by the rapid economic development of our country, the insurance industry of our country has also made rapid development. After the insurance industry resumed in 1980, the insurance industry developed more rapidly. From 1980 to 2011. China's insurance revenue increased from 460 million yuan to one tillion four hundred and thirty-three billion nine hundred and twenty-five million yuan. In 2004, the insurance industry first ended its transitional period of entering the market and entered the stage of opening to the outside world. China's insurance industry has gradually realized the integration with the insurance market and international finance, the insurance industry has also become an important part of our national economy. By 2011. The total assets of the insurance industry in China have reached five tillion nine hundred and eighty-two billion eight hundred and ninety-four million yuan, and the development potential of the insurance industry is enormous, especially the frequent occurrence of earthquakes, ice disasters, influenza, typhoons and other disasters since 2008. More shows the importance of the insurance industry, but also increased the demand for insurance products. Based on the analysis of the present situation of insurance in China, this paper analyzes the present situation of insurance development in Shaanxi Province, and combines qualitative analysis with quantitative analysis. Theoretical analysis and empirical analysis of Shaanxi Province combined with the development of insurance empirical analysis. First, through horizontal comparison analysis of Shaanxi Province and Beijing and the national differences in insurance development. This paper further analyzes the present situation and past development of insurance in Shaanxi Province through longitudinal comparison, and then analyzes the development level of insurance demand in Shaanxi Province in the whole country by means of cluster analysis method, and then analyzes the level of insurance development in Shaanxi Province. Influencing factors of risk demand. To analyze the influence factors of property insurance by using the Ridge regression of SPSS software. Life insurance is analyzed by stepwise regression method to find out the factors that have significant influence on life insurance. Finally, on the basis of analyzing the results of empirical analysis, some policy suggestions are put forward to further promote the insurance demand in Shaanxi Province.
【學(xué)位授予單位】：西安電子科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F842.7

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