The Structure And Demand Factors Analysis Of Residents’ Insurance Financial Assets Based On The Correlation And Multivariate Statistical Method

In recent years, the development of China life insurance is rapid, the premium scale is expanding. Especially afterthe Internet insurance factors gradually penetrating into, scale of Internet insurance is almost explosive growing. Along with the social health care reform, financial reform, new economic and social factors such as the change of the pension situation, commercial health insurance, pension annuity insurance and investment linked and universal insurance, increasingly become the focus of the industry and consumers. This article aims to analyze the contribution of commercial health insurance, enterprise annuity insuranceof the endowment insurance company and investment linked and universal insurance to the growth of the life insurance premium in recent years,to explore consumer response to the suppliers and policy.At the same time, this article aims to use the multivariate analysis method to analyse the new economic factors impact on the demand of the three types of commercial insurance.This article mainly divides into five chapters,the third and forth chapter are the empirical parts:The third chapter is the analysis of the data needed for a statistical description. It will use the cash flow statement issued by the people’s bank of China(residents’ insurance reserves in a financial transaction account) as the basis of the analysis of data, using the method of grey correlation degree to analyse correlation of commercial health insurance, pension insurance and investment linked and universal insurance to the household sector insurance reserve asset growth correlation. It will use the methods of unit root test of Eviews software to analysethe characteristics of the above three types of commercial insurance series.The fourth chapter will select factors(such as aging, interest rates, stock market yield) and use multivariate analysis model to analyse above three types of commercial insurance development level.In the end, based on the above theory and empirical analysis, is concluded that consumers preferred types of commercial insurance under the influence of government policies and economic environment,and provides the certain reference valueto insurance companies and the government.Innovation of this paper lies in: first, through the analysis of the correlation, to analyse consumerspreferences; second, combining with the actual, use the new economic factors to do the empirical analysis aimed at analysis factors affecting consumer insurance demand under the new economic situation and social environment.