| With sustained economic development and the people's standard of living has risen steadily, the insurance industry made great progress. Especially since 1982s life insurance industry resumption, China has made remarkable progress: China's insurance business has been extraordinary is the pace of development in development.However, due to different historical and cultural conditions and differences in the natural environment, the level of economic development between the east and west regions in the disparity become very wide throughout the high and low life indicators. While with China's life insurance industry in the high-speed growth, the emergence of regional imbalance had a negative impact for the development of the life insurance industry sustainable development.Domestic and foreign scholars have already done a great deal of theoretical and empirical research on the impact of demand factors, and formed a consensus conclusion for some influencing factors. But most of these documents focus on international comparisons, the comparison of the district level is not a lot at home and abroad, with the rapid development of the insurance industry and the increasing of social influence, the regional imbalance in the insurance industry has become the focus of the research on the theoretical circle. Presently the research on the reasons of the needs of China's regional Life Insurance differences in the selection of indicators had some limitations, so to re-delineation the various regions in China and discuss the life insurance needs of regional differences, and then to improve China's life insurance market in particular demand is very meaningful.Firstly, I introduced the current conditions of the China's life insurance market, then characterized factors on different parts of the life insurance consumption (per capita GDP, the social security fund expenditures, the level of education and upbringing (alimony), mortality, and other variables) in the collection of large amounts of data on the basis of 2001-2006, provincial-level data, finding that there are marked regional differences the consumption level of China's life insurance. Then the paper analyzed the regional differences using of panel data in the country as well as the regional level. Analysis of results showed that China's life insurance needs of the regional differences were due to various causes. The per capita GDP of the interpretation is the strongest variable which explains the life insurance density, mostly impact the life insurance consumer largest. The level of education and support (maintenance) of the life insurance density also have a certain impact, and mortality and social security expenditure have inconsistent explanations in the country and regional levels.Finally, the paper brought forward corresponding advices based on an analysis of the results: the country should accelerate the pace of economic development, regional development, raise income levels and increase the investment in education, improve the quality of residents; This is a powerful impact for life insurance consumption.It's a necessary guarantee for the healthy development of China's insurance industry and the improve of insurance market to have an effective demand analysis for China's life insurance market of the region needs and a comprehensive understanding of China and the region's differences in demand. Also it's an integral part in policies and theoretical research. While under the background of vigorously developing the insurance market this paper explored the life insurance needs of the region as a research object factors, which undoubtedly has a certain theoretical and practical significance. |
PDF Full Text Request