【摘要】：可以預(yù)見,在未來很長一段時間內(nèi),保險業(yè)將進(jìn)入飛速發(fā)展的“黃金期”,新的機(jī)遇將接踵而至。從宏觀層面看,經(jīng)濟(jì)發(fā)展進(jìn)入新常態(tài),國家發(fā)展戰(zhàn)略大轉(zhuǎn)型,政府治理向創(chuàng)新型轉(zhuǎn)變,企業(yè)亟需應(yīng)對新的市場風(fēng)險,人民群眾風(fēng)險意識增強(qiáng),這些變革正在悄然發(fā)生,為保險業(yè)的發(fā)展提供了廣闊的舞臺。未來,保險行業(yè)將從廣度和深度兩個方面更大程度上服務(wù)社會,推動經(jīng)濟(jì)發(fā)展,全社會的“大保險”格局將逐漸清晰,發(fā)展環(huán)境將得到不斷優(yōu)化。另外,國家也制定了一系列支持保險行業(yè)發(fā)展的優(yōu)惠政策,隨著這些政策的逐步落地,由政策推動保險行業(yè)發(fā)展的作用也將逐步顯現(xiàn)出來。同時,各級政府對于保險在保障公共基礎(chǔ)設(shè)施建設(shè)上所發(fā)揮的作用的認(rèn)識也逐步提高,在提供公共服務(wù)的過程中對接保險機(jī)制,逐步轉(zhuǎn)變政府職能的意識也在不斷提高。全國上下正掀起一股學(xué)保險、懂保險、用保險的熱潮,保險國十條也在全國范圍內(nèi)逐步貫徹落實(shí),不難發(fā)現(xiàn),保險業(yè)的發(fā)展優(yōu)勢正逐步突顯出來。保險業(yè)本著“惠而不貴”的原則,為全社會提供風(fēng)險管理和保障服務(wù),對沖風(fēng)險,增強(qiáng)整個社會的安全感,有助于激發(fā)創(chuàng)業(yè)熱情,促進(jìn)經(jīng)濟(jì)發(fā)展的量質(zhì)齊升�？偠灾�,保險正成為社會風(fēng)險管理環(huán)節(jié)中最有效的手段之一,逐步確立起在經(jīng)濟(jì)社會發(fā)展中的主體地位。本文共分為四個部分,第一個部分圍繞消費(fèi)需求理論,探討了本文實(shí)證研究的意義,闡述了本研究的參考價值；第二個部分從宏觀層面對比了我國壽險市場與國際壽險市場的發(fā)展歷程與現(xiàn)狀,并從中梳理出了值得借鑒的部分；第三個部分為實(shí)證部分,涵蓋的內(nèi)容有樣本數(shù)據(jù)的選擇,基礎(chǔ)數(shù)據(jù)的獲取,描述性統(tǒng)計分析到影響因素的梳理；第四部分在回歸分析的基礎(chǔ)上,從不同維度對影響因素進(jìn)行了細(xì)致分析,并建立起了微觀保險消費(fèi)需求模型,定量分析的結(jié)果對于研究各因素的影響具有十分重要的指導(dǎo)意義。第五個部分是全文的總結(jié)和擴(kuò)展,并依據(jù)研究結(jié)論提出了相關(guān)政策建議。
[Abstract]:It can be predicted that for a long time in the future, the insurance industry will enter a "golden period" of rapid development, and new opportunities will ensue. From the macro level, the economic development has entered the new normal, the national development strategy has changed greatly, the government governance has changed to be innovative, the enterprises urgently need to deal with the new market risks, the people's awareness of risk has been enhanced, and these changes are taking place quietly. It provides a broad stage for the development of the insurance industry. In the future, the insurance industry will serve the society from the breadth and depth to a greater extent, promote the economic development, the "big insurance" pattern of the whole society will be clear gradually, and the development environment will be continuously optimized. In addition, the state has also formulated a series of preferential policies to support the development of the insurance industry. With the gradual landing of these policies, the role of the policy in promoting the development of the insurance industry will gradually appear. At the same time, governments at all levels have gradually improved their understanding of the role of insurance in ensuring the construction of public infrastructure. In the process of providing public services, the awareness of connecting insurance mechanisms and gradually transforming government functions is also increasing. The whole country is setting off an upsurge of learning insurance, understanding insurance, using insurance, the ten insurance countries are also gradually implemented throughout the country, it is not difficult to find that the development advantages of the insurance industry are gradually highlighted. Insurance industry is based on the principle of "benefit but not expensive", providing risk management and protection services for the whole society, hedging risks, enhancing the sense of security of the whole society, helping to stimulate entrepreneurial enthusiasm and promote the quantity and quality of economic development. In a word, insurance is becoming one of the most effective means of social risk management, and gradually establishes its main position in economic and social development. This paper is divided into four parts, the first part focuses on the theory of consumer demand, discusses the significance of this empirical study, expounds the reference value of this study; The second part compares the development process and current situation between China's life insurance market and international life insurance market from the macro-level, and combs out the part which is worthy of reference. The third part is the empirical part, covering the selection of sample data, the acquisition of basic data, descriptive statistical analysis to the carding of influencing factors; On the basis of regression analysis, the fourth part makes a detailed analysis of the influencing factors from different dimensions, and establishes a micro-insurance consumption demand model. The results of quantitative analysis have very important guiding significance for the study of the influence of each factor. The fifth part is the summary and expansion of the full text, and puts forward the relevant policy recommendations according to the research conclusion.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2016
【分類號】：F842.6

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