本文選題：安徽省　切入點(diǎn)：人身保險(xiǎn)　出處：《重慶大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：保險(xiǎn)與地區(qū)經(jīng)濟(jì)和人民生活密切相關(guān)，保險(xiǎn)業(yè)是國(guó)民經(jīng)濟(jì)中最為重要的行業(yè)之一。我國(guó)的保險(xiǎn)業(yè)從1980年恢復(fù)以來發(fā)展迅速，年平均增長(zhǎng)速度在30%以上。與此同時(shí)，安徽省人身保險(xiǎn)市場(chǎng)成長(zhǎng)迅速，已初具規(guī)模，2012年底安徽省人身保險(xiǎn)市場(chǎng)的保費(fèi)收入達(dá)到284.55億元，在全國(guó)31個(gè)省市中居于第12位。但是在經(jīng)歷過去一段時(shí)間快速發(fā)展后，安徽省人身保險(xiǎn)市場(chǎng)從2011年起連續(xù)兩年出現(xiàn)負(fù)增長(zhǎng)，與全國(guó)人身保險(xiǎn)市場(chǎng)發(fā)展趨勢(shì)相背離。面對(duì)市場(chǎng)整體下滑的狀況，如何找出安徽省人身保險(xiǎn)市場(chǎng)需求的特點(diǎn)，并且以此為突破口開發(fā)出具有競(jìng)爭(zhēng)優(yōu)勢(shì)的人身保險(xiǎn)產(chǎn)品贏得居民的需求，已成為目前安徽省人身保險(xiǎn)公司急需解決的問題。此外，如何最大程度的發(fā)掘安徽省人身保險(xiǎn)市場(chǎng)的潛力，提升居民對(duì)人身保險(xiǎn)的需求，維持其健康持續(xù)的增長(zhǎng)，亦成為安徽省人身保險(xiǎn)市場(chǎng)監(jiān)管機(jī)構(gòu)和政府必須解決的頭等大事。因此，對(duì)安徽省人身保險(xiǎn)公司、保險(xiǎn)監(jiān)管結(jié)構(gòu)和政府來說，關(guān)于安徽省人身保險(xiǎn)市場(chǎng)需求的研究具有極為重要的現(xiàn)實(shí)和實(shí)踐價(jià)值。 目前國(guó)內(nèi)外學(xué)者大多從國(guó)家層面對(duì)于人身保險(xiǎn)市場(chǎng)需求進(jìn)行研究，而從區(qū)域?qū)用嫜芯咳松肀ｋU(xiǎn)市場(chǎng)需求的文獻(xiàn)較少，以安徽省人身保險(xiǎn)市場(chǎng)為研究對(duì)象的研究更少。本文將安徽省人身保險(xiǎn)市場(chǎng)作為研究對(duì)象，以區(qū)域內(nèi)的實(shí)際情況和真實(shí)數(shù)據(jù)為支撐，運(yùn)用人身保險(xiǎn)市場(chǎng)需求理論建立模型，并且利用計(jì)量軟件Eviews6.0對(duì)安徽省人身保險(xiǎn)市場(chǎng)需求進(jìn)行實(shí)證分析，并且針對(duì)實(shí)證的結(jié)果提出相應(yīng)的建議，該研究也更具有理論和現(xiàn)實(shí)意義。 文章有六個(gè)部分組成，第一部分，緒論，，首先對(duì)文章的研究背景和研究意義進(jìn)行闡述，給出文章的研究目的，并且在對(duì)國(guó)內(nèi)外關(guān)于人身保險(xiǎn)需求的文獻(xiàn)進(jìn)行梳理和分析基礎(chǔ)上，指出文章的研究方法和創(chuàng)新之處；第二部分界定了人身保險(xiǎn)的概念，解釋了人身保險(xiǎn)需求的含義，歸納和研究了與人身保險(xiǎn)需求相關(guān)的理論，并且從理論上給出影響人身保險(xiǎn)需求的因素；第三部分對(duì)安徽省人身保險(xiǎn)市場(chǎng)需求的現(xiàn)狀進(jìn)行分析，指出安徽省人身保險(xiǎn)需求狀況的特點(diǎn)；第四部分從安徽省的實(shí)際情況出發(fā)，利用相關(guān)知識(shí)，描述和分析經(jīng)濟(jì)環(huán)境因素、社會(huì)環(huán)境因素、制度政策因素以及與人身保險(xiǎn)行業(yè)相關(guān)的因素對(duì)安徽省人身保險(xiǎn)需求的影響；第五部分使用安徽省1984-2012年的相關(guān)數(shù)據(jù)，利用計(jì)量模型實(shí)證分析了安徽省人身保險(xiǎn)市場(chǎng)需求，并且指出了影響安徽省人身保險(xiǎn)需求的主要因素及其影響的方向和大��；第六部分，總結(jié)前文的研究，并且針對(duì)研究的結(jié)果提出相應(yīng)的政策建議。
[Abstract]:The insurance industry is one of the most important industries in the national economy. China's insurance industry has developed rapidly since 1980, with an average annual growth rate of more than 30 percent. The life insurance market in Anhui Province has grown rapidly, and has begun to take shape. At the end of 2012, the premium income of the personal insurance market in Anhui Province reached 28.455 billion yuan, ranking 12th among the 31 provinces and cities in the country. However, after a period of rapid development in the past period of time, The personal insurance market in Anhui Province has experienced negative growth for two consecutive years since 2011, which deviates from the development trend of the national personal insurance market. In the face of the overall decline of the market, how to find out the characteristics of the demand for the personal insurance market in Anhui Province, And with this as a breakthrough to develop a life insurance product with a competitive advantage to win the needs of residents, has become the current Anhui Province life insurance company urgently need to solve the problem. How to maximize the potential of the life insurance market in Anhui Province, enhance the residents' demand for personal insurance, and maintain its healthy and sustained growth, Therefore, for Anhui Province's personal insurance companies, insurance regulatory structure and the government, The research on the market demand of life insurance in Anhui Province is of great practical and practical value. At present, most scholars at home and abroad study the market demand of personal insurance from the national level, but the literature on the demand of life insurance market from the regional level is less. This paper takes the life insurance market of Anhui Province as the research object, taking the real situation and the real data in the area as the support, and establishes the model by using the theory of the demand of the personal insurance market. This paper also makes an empirical analysis on the demand of Anhui Province's personal insurance market by using the econometric software Eviews6.0, and puts forward corresponding suggestions for the empirical results. This research has more theoretical and practical significance. There are six parts of the article, the first part, introduction, first of all, the research background and significance of the article are expounded, and the purpose of the article is given. The second part defines the concept of personal insurance, explains the meaning of the demand for personal insurance, and points out the research methods and innovations of the article. The second part defines the concept of personal insurance, explains the meaning of the demand for personal insurance. Induces and studies the theories related to the demand for personal insurance, and theoretically gives the factors that affect the demand for personal insurance. The third part analyzes the current situation of the demand for personal insurance in Anhui Province. It points out the characteristics of the demand for personal insurance in Anhui Province. The fourth part describes and analyzes the economic and social environmental factors by using relevant knowledge from the actual situation in Anhui Province. The fifth part uses the relevant data of Anhui Province from 1984 to 2012 to analyze the market demand of personal insurance in Anhui Province by using the econometric model. And pointed out the main factors affecting the demand for life insurance in Anhui Province, and the direction and size of the impact; part VI, summarized the previous study, and the results of the study to put forward the corresponding policy recommendations.
【學(xué)位授予單位】：重慶大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F842

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