Research On The Influential Factors Of Life Insurance Demand In Tianjin Under The Background Of Population Aging

Population aging phenomenon of Tianjin becomes more and more serious,the aging degree is second only to Shanghai and Beijing.The most direct impact of ageing population is to make the society faces enormous pressure of old-age security,a pension gap,social endowment demand such as a series of social problems need to solve.Along with the increase of state support for the insurance industry in recent years,the insurance industry has been rapid development,the life insurance by leaps and bounds,but Tianjin life insurance development speed is slow,life insurance depth and density is not high.Under the background of the aging of the population of Tianjin should fully give play to the role of the guarantee of life insurance,to improve the life insurance demand,makes life insurance become effective supplement of social endowment insurance.,therefore,in this paper,under the background of population aging in Tianjin to study the influencing factors of life insurance demand,to solve the problem brought by the population aging,promote the development of life insurance has the reality significance in Tianjin.First of this paper,introduces the setting and significance of the study,combing and analysis of relevant research literature at home and abroad.Secondly in an aging population and the life insurance demand under the guidance of relevant theory based on the relevant data of Tianjin in Tianjin an ageing population and the present situation of the life insurance demand is analyzed,through the analysis found that Tianjin aging problem is serious,life insurance and larger development space.Once again points out that the aging population mainly through three ways affect the demand for life insurance,one is the low level of social insurance under population aging will affect life insurance demand;Second,slowing development of economic,in turn,affects the life insurance demand,the third is ageing will deepen their awareness "longevity risk",thus increasing the demand for life insurance.Last life in Tianjin empirical analysis,the factors which influence through the empirical conclusion,per capita disposable income,the elderly population bring-up ratio and interest rates had a greater influence on the demand for life insurance,and the influence of the average family size is relatively small.On the basis of increased from five aspects of an ageing population under the background of Tianjin life insurance demand puts forward relevant policy Suggestions.