Empirical Analysis Of Factors Affecting The Life Insurance Premiums In China

Under the present situation that the overall economic situation maintains low speed and steady development,under the positive stimulation of "The Belt and Road initiative" policy,expanding domestic demand and physical efficiency will be the key work of our country for some time in the future.Although the growth rate of the economy is slowing,but the overall size is still expanding,and reform and opening-up has been 40 years,the opening advantage has become increasingly obvious.China's personal insurance market is bound to ride the economic East Wind,there is a leap of their own.At this stage,the income level of the residents and the health and safety of the higher requirements,the market is also due to the continuous urbanization,aging and generated strong demand.Promoting the long-term and steady development of the insurance industry is the focus of the financial work Conference and the future direction of the insurance industry.The proposal of "new country 10" has brought political benefit to the development of China's insurance industry.Multi-party promotion allows personal insurance to become a focal point for the future to support its growth.With the increasing of the residents ' insurance consciousness,the comprehensive strength of our country is growing,and the influence factors of the development of personal insurance are becoming clearer,and will become the focus of academic research in the future.This paper is divided into six parts,the first part is about the theory of consumer demand,discusses the significance of the empirical study,expounds the reference value of this study,the second part of the domestic and foreign scholars to summarize the research results,the third part of the various stages of the focus of the research,the application of statistical analysis The trend of influencing factors in the past ten years is found,it lays the foundation for the analysis of macroscopic influence factors;Part Four is the empirical part,which is also the most important part of this thesis,which is based on the accurate and large amount of data,using the relevant measurement software to analyze,and find the correlation in the variables.Part V is to undertake the above-mentioned core of the research ideas,insurance needs to establish a corresponding model,and the relevant factors to analyze the results of quantitative analysis of the impact of various factors have a very important guiding significance.Part VI is the summary and expansion of the full text,and based on the conclusions of the study put forward the relevant policy recommendations.