| Life insurance plays an important role in social stability, and improving people's welfare level as well as promoting regional economic development. With the openness of China life insurance market, the Qingdao market develops very quickly, the number of the life insurance companies in Qingdao market increases rapidly, so the competition is very fierce. Meanwhile, after a period of rapid development, the life insurance premiums decreased in the years 2004 and 2005, the profit of insurance companies comes downs. although the situation has improved in the years 2006 and 2007, However, the conditions of the life insurance market is not well compared with a few years ago, it's in the period of transition and adjustment, so it is an urgent task to study how to develop competitive products to come up with the demand of Qindao residents for insurance companies. At the same time it is also valuable to research how to stimulate the life insurance demand and make the market develop rapidly and healthfully. So, the study of the life insurance demand is very important for the insurance companies and regulatory institution.This article analyzes the situation of life insurance demand in Qingdao city by using the economical theory of life insurance demand and related statistical methods. also, it analyzes the situation of life insurance supply in Qingdao city, and then it puts up with some advises to life insurance companies as regards products development and internal management, and it also brings forward some suggestions to regulatory institution.There are five chapters in this article, the first chapter introduces the life insurance including the nature and function of the life insurance, also it introduces the relevant theories of the life insurance demand; in the second chapter, it analyzes the status of the life insurance demand in Qingdao market; the third chapter it analyzes the factors to influence the demand; the fourth chapter is empirical analysis, it finds the way and extent of every factor to influence the demand by logarithm multivariate linear regression model. At the same time, this article makes categorization and comparison between Qingdao and other big cities in Shandong province and in our country using clustering method to evaluate the situation of Qingdao life insurance market in china scientifically; The fifth chapter is about the supply situation of the life insurance in Qingdao market, it analysis the main providers of the insurance products, the product structure and the behavior of sales in Qingdao market, Lastly, this article puts up with some advises to balance the supply and demand. |
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