| 以下仅列出文章摘要、目录等部分内容，如需获取完整论文资料，或原创定制、长期合作，请随时联系。 微信QQ:312050216 |
 |
 |
| 我国寿险需求地区差异及原因分析 摘要：现在我国在改革开放以来，人民的生活水平伴随着经济的不断发展显著提高，保险行业也逐步发展，尤其是我国的寿险行业取得了突飞猛进的发展。虽然人们对寿险的需求越来越旺盛，但是最近几年以来我国寿险业的保费收入增长缓慢，而且国内各个地区的人们对寿险的需求也存在着差异，寿险市场发展的状况相差较大。因此，寿险作为保险行业的重要险种，对寿险需求在我国不同的地区发展不平衡问题的研究是非常有必要的。本文认为影响寿险需求地区差异的因素有很多，首先结合我国的具体情况分析我国不同地区寿险需求的差异，然后再结合具体情况分析影响这种差异的原因，例如以PEST理论为依据的政治制度、经济环境、社会环境下的影响因素等。 关键词：寿险需求;地区差异;影响因素 ABSTRACT: since china’s reform and opening up ,people’s living standards have been significantly improved along with the continuous development of the economy, and the insurance industry has gradually developed, especially the life insurance industry in china has achieved rapid development. Although people’s demand for life insurance is more and more vigorous,but in recent years ,the growth of premium income of china’s life insurance industry is slow, and people’s demand for life insurance in various regions of the country is also different, and the development of life insurance market is quite different. Therefore, life insurance as an important type of insurance industry,it is very necessary to study the unbalanced development of life insurance demand in different regions of china. This paper argues that there are many factors influencing the life insurance demand of regional difference, first of all, combined with the analysis under the condition of our country differencein different areas of life insurance demand in china,and then combined with the specific situation,the author analyzes the reasons of influence the difference, such as PEST theory as the basis of the political system and economic environment, the influence factors of social environment, etc. Keywords: life insurance demand; regional differences; influencing factors 目 录 一、绪论 1 （一）选题背景 1 （二）选题意义 1 （三）文献综述 2 二、寿险需求的界定 3 （一）寿险需求的含义 3 （二）寿险需求的特点 4 （三）寿险需求的理论 4 三、寿险需求地区差异现状 6 （一）人均国内生产总值现状 6 （二）人寿保险保费收入现状 7 （三）寿险密度和寿险深度现状 9 四、PEST分析法下的原因分析 12 （一）政治制度因素 12 1.社会保障体系...............................................12 2.国家发展政策...............................................12 （二）经济环境因素 13 1.经济发展水平...............................................13 2.通货膨胀率.................................................13 3.利率.......................................................13 4.居民消费水平...............................................13 （三）社会环境因素 14 1.人口.......................................................14 2.抚养率.....................................................14 3.受教育程度.................................................15 4.死亡率.....................................................16 结论和建议 17 参考文献 18 致 谢 19 |
