本文選題：人口老齡化 + 養(yǎng)老需求�。� 參考：《中央財經(jīng)大學學報》2017年09期

【摘要】：中國已經(jīng)進入加速老齡化社會,中國人口老齡化目前具有人口預期壽命提高、人口增長速度下降、老齡化速度加快、未富先老以及老齡化區(qū)域差異顯著等特征。在此背景下,養(yǎng)老需求量迅速增長,養(yǎng)老需求種類更加多樣且區(qū)域差異日益明顯,功能豐富的人身保險無疑將成為緩解養(yǎng)老壓力的重要途徑,但人口老齡化也可能會抑制定期壽險等純保障型險種的消費。筆者通過利用中國2000—2015年的省際面板數(shù)據(jù)和動態(tài)面板系統(tǒng)GMM方法,實證檢驗人口老齡化對中國人身保險消費的影響發(fā)現(xiàn),老年人口占比對人身保險消費存在顯著正面影響,而且這種影響存在區(qū)域差異,老齡化程度越高,拉動程度越大。在此基礎(chǔ)上,從產(chǎn)品結(jié)構(gòu)優(yōu)化、產(chǎn)品功能多樣化、產(chǎn)品供給地域化、抵御通脹和服務升級等方面提出人身保險市場完善對策。
[Abstract]:China has entered an accelerated aging society. The aging of the population in China is characterized by an increase in life expectancy, a decline in population growth, an accelerated aging rate, an aging before becoming rich and a significant regional difference in aging. In this context, the demand for the aged is growing rapidly, the variety of the demand for the aged is more diverse and the regional differences are becoming more and more obvious, the functional life insurance will undoubtedly become an important way to relieve the pressure of the aged. But an ageing population may also curb consumption of pure-security insurance such as periodic life insurance. By using the interprovincial panel data from 2000 to 2015 in China and the dynamic panel system GMM method, the author empirically tests the effect of population aging on life insurance consumption in China. It is found that the proportion of elderly population has a significant positive impact on life insurance consumption. And there are regional differences in this effect, the higher the aging degree, the greater the pull degree. On the basis of this, the author puts forward the perfect countermeasures of life insurance market from the aspects of product structure optimization, product function diversification, product supply regionalization, resisting inflation and service upgrading, etc.
【作者單位】： 南京大學經(jīng)濟學院;
【基金】：中國保險學會項目“‘一帶一路’戰(zhàn)略下中國保險國際化問題研究”(項目編號:ISCKT2016-N-1-01) 江蘇保險學會項目“人口結(jié)構(gòu)轉(zhuǎn)變對江蘇省壽險市場發(fā)展的影響分析”(項目編號:SBX2016-1-AD-01)
【分類號】：C924.24;F842.62

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