本文關(guān)鍵詞： 城市化 壽險密度 潛在需求 面板模型　出處：《蘭州商學(xué)院》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：城市化是由農(nóng)業(yè)為主的傳統(tǒng)鄉(xiāng)村社會向以工業(yè)和服務(wù)業(yè)為主的現(xiàn)代城市社會逐漸轉(zhuǎn)變的歷史過程。城市化是我國經(jīng)濟(jì)社會發(fā)展的顯著特征，2011年我國城市化率達(dá)到50%，目前正處在城市化加速發(fā)展的階段。國務(wù)院總理李克強(qiáng)曾指出：城鎮(zhèn)化是未來十年我國經(jīng)濟(jì)發(fā)展的最大動力。在此背景下，隨著城市人口數(shù)量增加、收入增加、觀念轉(zhuǎn)變及人口老齡化的到來，我國壽險業(yè)將迎來更為廣闊的發(fā)展。但同時，目前我國各�。ㄊ�、區(qū)）的城市化進(jìn)程差別是很顯著的，，而我國壽險業(yè)也呈現(xiàn)出很強(qiáng)的發(fā)展不均衡的狀況。 本文研究選取壽險公司為研究切入角度，以城市化差異下我國不同�。ㄊ�、區(qū)）壽險需求為研究對象。在對城市化、壽險需求基本理論做出明確的基礎(chǔ)上，通過定性分析，本文研究了城市化差異在人口城市化、經(jīng)濟(jì)城市化、社會城市化和環(huán)境城市化等方面對壽險需求的影響。本文通過搜集2006年至2012年我國31個�。ㄊ�、區(qū)）關(guān)于城市化和壽險需求方面11個指標(biāo)的數(shù)據(jù)，先通過因子分析將城市化體系10個指標(biāo)簡化成一個綜合得分指標(biāo)，然后通過面板數(shù)據(jù)模型考察了各�。ㄊ�、區(qū)）城市化差異對壽險需求的影響。通過顯著性檢驗，本文將31個�。ㄊ�、區(qū)）劃分為四個梯隊，城市化差異對壽險需求的影響在北京、上海等8個第一梯隊�。ㄊ�、區(qū)）最為顯著，在河北、浙江等10個第二梯隊�。ㄊ小^(qū)）顯著性次之，在內(nèi)蒙古、新疆等8個第三梯隊�。ㄊ�、區(qū)）最弱、但仍然顯著，在廣西、寧夏、云南、貴州、西藏等則5個第四梯隊�。ㄊ�、區(qū)）不顯著。進(jìn)一步地，本文明確了各�。ㄊ�、區(qū)）城市化差異和壽險需求的具體方程表達(dá)式，并對其做了具體分析。最后，本文提出了在我國城市化差異背景下，壽險公司為滿足壽險需求應(yīng)堅持以第一梯隊省份為首務(wù)，第二梯隊省份全面布局、搶占市場份額，第三梯隊省份實時關(guān)注、在重點地區(qū)設(shè)立網(wǎng)點，第四梯隊省份等待時機(jī)進(jìn)入策略。同時，也要在產(chǎn)品設(shè)計、營銷、服務(wù)、產(chǎn)業(yè)布局、制度建設(shè)等方面做出改進(jìn)。
[Abstract]:Urbanization is a historical process from a traditional rural society dominated by agriculture to a modern urban society dominated by industry and services. Urbanization is a remarkable feature of the economic and social development of our country. In 2011, China's urbanization rate reached 50%. Premier Li Keqiang of the State Council has pointed out that urbanization is the biggest driving force of China's economic development in the next decade. In this context, with the increase of urban population, income increases. With the change of concept and the arrival of the aging population, the life insurance industry of our country will usher in a broader development. But at the same time, the difference of urbanization process between provinces (cities, districts) is very significant. But our country life insurance industry also presents the very strong development uneven condition. This paper selects the life insurance company as the research angle, takes the different province (city, district) life insurance demand of our country under the urbanization difference as the research object, makes the clear foundation to the urbanization, the life insurance demand basic theory. Through qualitative analysis, this paper studies the difference of urbanization in population urbanization and economic urbanization. The influence of social urbanization and environmental urbanization on life insurance demand. This paper collected 31 provinces (cities) from 2006 to 2012. On the data of 11 indicators of urbanization and life insurance demand, 10 indicators of urbanization system are simplified into a comprehensive score index by factor analysis. Then through panel data model to investigate the impact of urbanization on the demand for life insurance. Through the significance test, 31 provinces (cities, districts) are divided into four echelons. The influence of urbanization difference on life insurance demand is most significant in 8 first echelon provinces (cities and districts) such as Beijing and Shanghai, followed by 10 second echelon provinces (cities, districts) in Hebei and Zhejiang provinces, and in Inner Mongolia. Xinjiang and other 8 third echelon provinces (cities, districts) are the weakest, but still significant, while in Guangxi, Ningxia, Yunnan, Guizhou and Tibet, 5 4th echelon provinces (cities, districts) are not significant. This paper clarifies the specific equation expression of urbanization difference and life insurance demand of each province (city and district), and makes a concrete analysis on it. Finally, this paper puts forward that under the background of urbanization difference in our country. In order to meet the life insurance demand, the life insurance company should adhere to the first echelon province, the second echelon province overall layout, occupy the market share, the third echelon province real-time concern, set up the network in the key area. The 4th echelon provinces wait for the opportunity to enter the strategy. At the same time, they should also make improvements in product design, marketing, service, industrial layout, system construction and so on.
【學(xué)位授予單位】：蘭州商學(xué)院
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F842.62;F299.2

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