试用消费函数理论分析我国的保险产品消费

近几年,我国保险产品消费的特点是人身保险产品消费持续迅猛发展,财产保险产品消费趋于平稳。运用消费函数理论中的生命周期假说、持久收入假说、相对收入假说中的相关理论对我国保险产品消费的情况进行原因分析,对于我们更深层次地寻找、把握我国保险消费的规律,促进保险市场健康发展都有着重大的现实意义。

Analysis on Consumption of China's Insurance Products under the Theories of Consumption Function

In recent years, the general operation of China's insurance product consumption has been characterized that the personal insurance consumption keeps growing rapidly while the property insurance consumption grows placidly. This article tries to apply such theories of Consumption Function as Lifecycle Theory, Permanent Income Theory and Relative Income Theory into the analysis on the causes for China's insurance product consumption. It is believed to be of great realistic significance not only to our deeper pursuit and mastery in the general rules of China's insurance product consumption but also to the promotion of healthy development of insurance market.