| At the end of 2000,China's elderly population aged 60 and above was 129.98 million people,accounting for 10.20% of the population.According to the international standard,China entered an aging society.By the end of 2016,China's aging population aged 60 and above was 230.86 million people,accounting for 16.7% of the total population.China's aging population has a large population base,the aging speed is fast,old before rich,old aging and empty-nested phenomenon remarkable growth,etc.The population structure's new normal makes the development of society a nd economy formed a huge pressure,has brought serious challenges.At present,rely on the government's social endowment insurance is still the most people's choose way of pension,what makes the pension fund gap is more and more big.Under the aging background,the basic pension insurance is limited,people need other endowment way to ensure elderly living standards,the young generation need to consider more for parents themselves' future pension planning.Commercial insurance become one of the choice.Insurance plays an important role in construction of multi-level social security system,reduce the burden of national social security.Studies have shown that individuals to buy commercial pension and health insurance can partly replace government in social security benefits,reduce the burden of government,is also a way to transfer pension pressure of the generation after 80 s.The commercial insurance market in cope with the challenge of population aging is very promising.Health and pension are elderly promise need to solve.We can pass on the risks to the commercial insurance.Commercial insurance system has brought the very good effect to developed countries.We can learn from the experience of developed countries.Based on random sampling way of living in urban and rural investigation after 80 s,around 80 s the influence factors of commercial insurance demands investigation,and the influence factors of affecting the commercial insurance demands of 80 s are analyzed.Analysis for the factors which affect commercial insurance demands of 80s' annual family income,education,marriage and family status,living location,family population have significant effects on commercial insurance demands.There is a positive correlation between business insurance demands and income,which increases the demands for insurance.When 80 s buying a business major disease insurance to the insured and his family,to provide economic security and can pay high medical costs are important to them.They choose not to buy commercial insurance is mainly due to the personal income is limited.When income level is low,even if people have a need to buy commercial insurance,but also is potential demand,failed to form the effective demand.Cultural education level has important influence on commercial insurance demands,generally by the higher education level,income is relatively high,and they have a greater awareness of commercial insurance.Commercial insurance is negative correlation relationship between demand and family size,family size tends to small,the smaller the families,risk bearing ability is weak,the need to use commercial insurance to provide guarantee the risk on to the insurance company,it provides opportunities for the commercial insurance market.On the basis of the above analysis and research,this article in the context of increasingly deepen the degree of population aging,puts forward some proposals from the perspective of government,insurance companies and individuals.The specific strategies are as follows: Increase financial input and support of the government.Accelerate the advance of commercial insurance.To explore and build system of the government to buy insurance.The insurance companies should design more in line with consumer demand s for personalized products.Development of integrated services.To enhance consumers' confidence.Use positive attitude in the face of insurance.Use the insurance guarantee the quality of life. |
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