| 中国人身保险需求的实证分析 |
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| 引用本文： | 黄珊,曹伟丽. 中国人身保险需求的实证分析[J]. 上海理工大学学报(社会科学版), 2008, 30(6) |
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| 作者姓名： | 黄珊 曹伟丽 |
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| 作者单位： | 上海理工大学理学院,上海200093 |
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| 摘 要： | 从理论角度分析了GDP、收入水平、人口因素、社会保障、通货膨胀等因素对我国人身保险需求的影响,并依1990年到2005年的相关数据,运用因子分析、平稳性检验、多元线性回归等方法对上述因素进行了实证分析.在分析中针对多重共线性问题,引入偏最小二乘回归对模型加以改进.同时,对我国人身保险市场发展提出了要加大寿险宣传力度、创造良好宽松的外部环境、优化险种结构、完善保险法规建设等建议.
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| 关 键 词： | 偏最小二乘回归 因子分析 ADF检验 |
Real diagnosis analysis on life insurance demand of china |
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| HUANG Shan,CAO Wei-li(College of Science,University of Shanghai for Science,Technology,Shanghai,China. Real diagnosis analysis on life insurance demand of china[J]. Journal of University of Shanghai For Science and Technilogy(Social Science), 2008, 30(6) |
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| Authors: | HUANG Shan CAO Wei-li(College of Science University of Shanghai for Science Technology Shanghai China |
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| Abstract: | Kinds of factors were analysed that influence the life insurance industry's growth from the qualitative aspect,such as GDP,income,population and its structure,social security,inflation,and so on.Then utilizing factor analysis,augmented dickey-fuller test and partial least square regression real diagnosis analysis was done by using relative data from 1990 to 2005.To avoid harmful effects due to multi-co linearity,partial least square regression was used to improve the model.The result fits in with theories a... |
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| Keywords: | partial least square regression factor analysis augmented Dickey-Fuller test |
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