The Impacting Factors Of The Demand For Life Insurance In A Low Interest Rate Market

Predictably, for a long time in the future, the insurance industry will enter a rapid development of the "golden period ", new opportunities will follow. From the macroscopic level, economic development goes into the new normal, the great transformation of national development strategy, the government governance to innovative change, enterprises need to cope with new market risk, enhanced people's risk awareness, these changes are happening, for the development of the insurance industry has provided a broad stage. In the future, the insurance industry will be from two aspects of both the breadth and depth greater extent, serve the society, promote the development of economy, the pattern of "big insurance " of the whole society will gradually clear, and will be constantly optimized development environment. In addition, countries in policy also created a series of preferential policies in support of the insurance industry development, as these policies gradually fall to the ground, by the policy role to promote the development of the insurance industry will also gradually revealed. At the same time, governments at all levels in the protection of public infrastructure for insurance on the understanding of the role has also improved, in the process of providing public services and docking insurance mechanism, to gradually transform the government functions in consciousness also unceasingly to enhance. The nation is on a insurance, understand, with insurance, insurance and rejuvenating the country ten also gradually carrying out across the country, it is not hard to find, the development of insurance industry advantage is gradually highlighted. Insurance industry in line with the principle of" credit and not expensive ", to provide risk management and support services to the whole society, hedge risk, and enhance the security of the whole society, is helpful to arouse the enthusiasm for entrepreneurship, quality so to promote the development of the economy. To sum up, the insurance is becoming the most effective means in social risk management link, gradually establish a subject position in economic and social development.This article is divided into four parts, the first part of consumer demand theory, discussed in this paper, empirical research, the significance of this paper expounds the reference value of this study; The second part from the macro level compared the life insurance market in our country and international development course and current situation of the life insurance market, and to tease out some worthy of learning; The third part is the empirical part, covers from the selection of the sample data, the basic data acquisition, descriptive statistical analysis to the factors affecting the combing; The fourth part on the basis of regression analysis, from the different dimensions of factors has carried on the detailed analysis, and establish the micro insurance consumer demand model, the results of quantitative analysis to study the effect of various factors has important guiding significance. The fifth part is the summary of the full text and extend, and puts forward relevant policy Suggestions according to the research conclusion.