| Life insurance plays an important role in social stability, and improves people’swelfare level as well as promotes regional economics development. With the openness ofChina life insurance market, the Ningbo market develops very quickly, life insurancepremium income continued to increase, and the number of the life insurance companies inNingbo market increases rapidly.However, the insurance density and insurance depth are still low, in others words thedevelopment potential of Ningbo’s life insurance market is still huge. So it is an urgenttask to study how to develop competitive products to come up with the demand of marketfor insurance companies. At the same time it is also valuable for regulatory institution toresearch how to stimulate the life insurance demand and make the market develop rapidlyand health fully. So, the study of the life insurance demand is very important for theinsurance companies and regulatory institution.This paper first introduces the economic exoterica of demand for life insurance, andthen elaborates the present state of the development of life insurance in Ningbo City.Thirdly is the actual situation of Ningbo from the economics, social, policy and micro fouraspects of life insurance demand by analysis of single factor, and then get thecomprehensive analysis of the impact of industrial demand in Ningbo life insurance, withseveral various empirical tests. Finally is about policy suggestion, on the basis of theformer analysis, we put forward sis suggestions to accelerate the growth in demand of theNingbo life insurance industry such as improve the social security system, strengthen thesupervision of the new life insurance products, partion the market by productcharacteristics and so on. |
PDF Full Text Request