| Personal insurance is an important part of the insurance industry.As a supplement to social insurance,the commercial personal insurance studied in this thesis not only plays an important role in promoting the social economic development of a country,but also serves as an important guarantee to maintain people's living standard and improve their well-being.In recent years,personal insurance has developed rapidly in China,with the premium scale reaching 2.68 trillion yuan in 2017,ranking third in the world.However,from the perspective of insurance depth and insurance density,there is still a big gap between China and developed countries in terms of the popularity of personal insurance and its depth in the national economy The factor of population structure as the insurance subject of personal insurance is the direct characteristic factor,which is bound to affect the development of personal insurance market.The potential impact of the changes of population structure on personal insurance market in China cannot be underestimated in recent years,which include the deepening of aging,the problem of fewer children,the general improvement of education level,the imbalance of population distribution and other ones.Therefore,this thesis attempts to explore the internal relation between the changes of population structure in China and the personal insurance market through reasonable data analysis.Meanwhile,it puts forward reasonable suggestions for the future development of personal insurance industry in China by understanding and analyzing the current situation and future development tendency of population structure in ChinaFirstly,this thesis makes the definition and classification of population structure and personal insurance clear,and divides the population structure carefully.At the same time,it analyzes the potential impacts of the changes in natural population structure,social structure and regional structure on the personal insurance market from a qualitative point of view.Secondly,this thesis analyzes the influence of changes in population structure on personal insurance market by means of the analysis of the current situation of population structure and personal insurance market as well as the inter-provincial distribution differences in China,combining the inter-provincial panel data of 30 provinces,cities and autonomous regions in China from 2005 to 2016 and applying the fixed effect model for panel regression.It comes to the following conclusions:in natural population structure,population age structure has a significant influence on personal insurance market in China.However,the role of youth dependency ratio in personal insurance market direction is negative,while,the elderly dependency ratio has significant positive influence on personal insurance market.What is not prominent is the influence of gender structure on the personal insurance market.In the social population structure,the average household size and the proportion of the population with a spouse have a remarkably positive impact on the personal insurance market.Nevertheless,the education structure has a significant negative impact on the personal insurance market.From the perspective of regional population structure,the improvement of urbanization level has a significant role in promoting the development of the personal insurance market.Finally,the thesis puts forward some reasonable suggestions and solutions according to the influence of population structure on the development of the personal insurance market. |
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