中国人口因素对寿险需求影响的实证分析

应用双对数线性回归模型、岭回归模型对中国寿险需求进行实证分析。着重分析了人口因素对寿险需求的影响，在分析中引入了虚拟变量，并对多重共线性问题利用岭回归加以改善。研究表明：人口的城乡结构对中国寿险需求起着决定性的作用；城镇居民年人均可支配收入与寿险需求有显著的正相关性；少儿负担系数及银行实际利率与寿险需求有显著的负相关关系；受教育程度对寿险需求有显著的正面作用；而老年负担系数显示了对寿险需求正面的但不十分显著的影响。

An Analysis of the Impact of the Factor of Population on Demand for Life Insurance in China

This paper analyzes the factors affecting life insurance of demand in our country by using dual logarithmic multiple-regression model and ridge-regression model.Compared with the researches studies before,this paper mainly focuses on the factor of population and tries to find out how this factor affects the demand for life insurance,and meanwhile revised the demand model by using statistical techniques like using dummy variables and ridge-regression model.This paper finally reveals that the population structure of urban and rural plays a crucial role in demand for life insurance,and there is a significantly positive correlation between the disposable income per year of urban people and the demand for life insurance and children dependence ratio or nominal rate of interest,and meanwhile education level has a positive relationship with demand for life insurance,while senior people dependence ratio has also a positive relationship with demand for life insurance but this relationship is not strong.