本文選題：投資型壽險(xiǎn) + 上證指數(shù)��； 參考：《中國海洋大學(xué)》2014年碩士論文

【摘要】：20世紀(jì)80年代，中國保險(xiǎn)業(yè)恢復(fù)其原有的經(jīng)營模式,隨之我國的人壽保險(xiǎn)行業(yè)也取得了快速發(fā)展。2000年以后，作為創(chuàng)新型保險(xiǎn)的投資型壽險(xiǎn)出現(xiàn)，壽險(xiǎn)業(yè)儼然已成為促進(jìn)我國國民經(jīng)濟(jì)發(fā)展的重要行業(yè)之一。在保險(xiǎn)業(yè)不斷擴(kuò)大其經(jīng)營規(guī)模的同時(shí),作為現(xiàn)代新型壽險(xiǎn)產(chǎn)品的投資型壽險(xiǎn)也隨之業(yè)務(wù)量不斷增長。中國平安保險(xiǎn)股份有限公司率先在上海推出投連險(xiǎn)，這拉開了投資型壽險(xiǎn)產(chǎn)品迅速發(fā)展的序幕,而隨著分紅險(xiǎn)、投連險(xiǎn)、萬能險(xiǎn)等投資型壽險(xiǎn)產(chǎn)品陸續(xù)投入市場,人壽保險(xiǎn)也開始其快速發(fā)展的腳步。 不可否認(rèn),投資型壽險(xiǎn)產(chǎn)品的快速發(fā)展對于防范和化解利差風(fēng)險(xiǎn),滿足不同層次客戶的保險(xiǎn)需求、改善保險(xiǎn)產(chǎn)品組成結(jié)構(gòu)、擴(kuò)大保險(xiǎn)業(yè)的經(jīng)濟(jì)影響效應(yīng)等起到了積極作用。因此對投資型壽險(xiǎn)需求的影響因素研究也漸漸成為一個(gè)非常重要而實(shí)際的問題。20世紀(jì)80年代起，國外學(xué)者將普通人壽保險(xiǎn)的研究升級為對投資型壽險(xiǎn)需求的研究，并且引入連續(xù)時(shí)間金融模型進(jìn)行討論。而國內(nèi)學(xué)者則是在20世紀(jì)90年代末開始對這一命題進(jìn)行研究，例如有學(xué)者發(fā)現(xiàn)我國居民投資型壽險(xiǎn)需求的收入彈性較大，而受社會保障和預(yù)期通貨膨脹的影響不顯著；還有學(xué)者引入國民經(jīng)濟(jì)發(fā)展水平這一因素，對影響壽險(xiǎn)需求的因素進(jìn)行不斷深入研究。 基于銀行業(yè)、證券業(yè)、保險(xiǎn)業(yè)是我國金融領(lǐng)域的三大產(chǎn)業(yè)，投資型壽險(xiǎn)產(chǎn)品又是保險(xiǎn)市場非常重要的因素，在當(dāng)今的壽險(xiǎn)業(yè)占據(jù)較大份額，并且投資型壽險(xiǎn)涵蓋了保險(xiǎn)產(chǎn)品、金融理財(cái)兩方面內(nèi)容，因此探討我國投資型壽險(xiǎn)需求的影響因素是非常必要的。2010年，畢泗鋒提出連續(xù)時(shí)間金融模型的先進(jìn)方法，并且首次將投資型壽險(xiǎn)分解為定期壽險(xiǎn)與投資產(chǎn)品的結(jié)合加以討論，這將投資型壽險(xiǎn)需求的研究升上了一個(gè)更高的臺階。因此本文首先總結(jié)了國內(nèi)外關(guān)于人壽保險(xiǎn)需求因素的文獻(xiàn)，進(jìn)而引出投資型壽險(xiǎn)需求的論述，通過結(jié)合中外關(guān)于投資型壽險(xiǎn)產(chǎn)品需求的理論，分別從宏觀方面、微觀方面定性分析了影響投資型壽險(xiǎn)產(chǎn)品需求的影響因素，其中包括我國經(jīng)濟(jì)發(fā)展水平、國民人均可支配收入、恩格爾系數(shù)、利率、通貨膨脹率，因此本文對這些因素構(gòu)建回歸方程，并進(jìn)行多元回歸分析檢驗(yàn)，由于投資型壽險(xiǎn)產(chǎn)品作為金融理財(cái)產(chǎn)品的一種，因此本文引入其他金融產(chǎn)品收益的替代效應(yīng)（以上證指數(shù)的收益率為例）作為參數(shù)修正，，并且分析了有關(guān)上證指數(shù)波動率（振幅）對投資型壽險(xiǎn)需求的影響，最后根據(jù)回歸結(jié)果得出結(jié)論并對我國如何發(fā)展投資型壽險(xiǎn)行業(yè)提出了相關(guān)建議。
[Abstract]:In 1980s, China's insurance industry resumed its original mode of operation, followed by the rapid development of life insurance industry in China after.2000 years. As an investment type life insurance of innovative insurance, life insurance has become one of the most important industries to promote the development of our national economy. At the same time, the investment type life insurance, as the modern new life insurance product, has also been increasing. China's Ping An insurance Limited by Share Ltd is the first to launch the investment insurance in Shanghai, which has opened the prelude to the rapid development of the investment type life insurance products, and with the bonus insurance, the investment insurance, the universal insurance and other investment life insurance products have been put into the market, and the life insurance products have been put into the market. Risk also begins its rapid development.
It is undeniable that the rapid development of investment type life insurance products has played an active role in preventing and resolving the risk of spreads, meeting the insurance needs of different levels of customers, improving the structure of insurance products and expanding the economic effects of the insurance industry. Therefore, the study of the factors affecting the demand for investment insurance has gradually become a very important factor. And the actual problem in the 80s.20 century, foreign scholars have upgraded the study of ordinary life insurance to the research on the demand for investment life insurance, and introduced a continuous time financial model to discuss. While domestic scholars began to study this proposition at the end of 1990s, for example, some scholars found the investment life insurance of our residents. The income elasticity of demand is large, but the influence of social security and expected inflation is not significant, and the factors that have been introduced to the development level of the national economy and the factors affecting the life insurance demand are further studied.
Based on the banking, the securities industry and the insurance industry are the three major industries in the financial field of China, the investment type life insurance products are also a very important factor in the insurance market. They occupy a large share of the life insurance industry in today's life insurance industry, and the investment type life insurance covers two aspects of the insurance products and financial management. Therefore, it discusses the influencing factors of the investment type life insurance demand in our country. It is a very necessary.2010 year. Bi Si Feng put forward the advanced method of the continuous time financial model, and first decomposes the investment type life insurance into the combination of the term life insurance and the investment product for the first time, which raises the research of the investment type life insurance demand to a higher step. The literature of factors leads to the discussion of the demand for investment type life insurance. By combining the theory of the demand of investment type life insurance products between China and foreign countries, the factors affecting the demand of investment type life insurance products are qualitatively analyzed from the macroscopic and microcosmic aspects, including the level of economic development, the per capita disposable income of the national and the Engel coefficient, Interest rate, inflation rate, so this paper constructs the regression equation to these factors, and carries on the multiple regression analysis test. Because of the investment type life insurance products as a kind of financial products, this paper introduces the substitution effect of other financial products (taking the rate of the Shanghai stock index as an example) as a parameter correction, and analyzes the related aspects. The influence of the index volatility (amplitude) on the investment type life insurance demand is given. Finally, the conclusions are drawn from the regression results and some suggestions on how to develop the investment type life insurance industry in China are put forward.

【學(xué)位授予單位】：中國海洋大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F842.62

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