保险有效需求影响因素分析

在中国,保险有效需求与潜在需求之间存在着巨大的差距,原因有:受传统思想、计划经济等因素的影响导致保险意识薄弱;由于收入分配不均而引起的贫富差距过大、以及居民的习惯性投资理念也影响着保险市场的需求量;另外,保险公司所开发的产品价格相对较高、品种单一也是造成中国保险有效需求严重不足的一大因素。基于对这些因素的分析,有关部门应对症下药,将中国保险业逐渐引入正轨,使其健康发展。

Analysis of effect on insurance valid demand

There is a big difference between valid demand and potential demand in China,The reasons are as follows: little insurance awareness because of traditional thought,planning economy etc. ,big gap between rich and poor because of non-even distribution,and habit idea on investment of residents also influence insurance market. In addition, high price and single kind of developed product in insurance company is another important effect on valid demand about insurance. The related departments should take measures according to situation so as to lead Chinese insurance go right way and develop healthily basis on these effects analysis.