我国东西部地区个人寿险需求对比分析

运用面板数据分析方法，从宏观角度实证分析了2000—2004年我国东西部地区个人寿险需求的影响因素。探讨收入水平、文化意识、居民储蓄存款、赡养（抚养）率、地方财政用于抚恤和社会福利救济费的支出水平等因素对个人寿险需求的影响。分析结果表明，人均GDP是影响东部个人寿险需求的最主要因素，老年赡养率和受教育水平是两个较为显著的因素。而在西部地区老年赡养率、地方政府用于社会福利救济费的支出和城乡居民的储蓄余额对个人寿险需求的影响较为显著，人均GDP对其影响并不显著。

Contrastive Analysis of Personal Life Insurance between the East and West in China

By means of panel data analysis method, factors affecting the requirements of personal life insurance in the east and west of China from the year 2000 to the year 2004 are analyzed empirically from the macro perspective. Then it is discussed that factors like income level, cultural consciousness, residents＇ deposits, the support rate, and the expense that local governments use for pension and social welfare, have influences on the requirement of personal insurance. The analysis results show that per capita GDP is one most important factor affecting the requirement of personal insurance in the east, followed by the support rate for the aged and level of being educated. In the west, however, the most remarkable influences on the requirements of personal insurance come from the support rate for the aged, the expense that government use for social welfare and the deposit of urban and rural residents, not from per capita GDP.