| Life insurance is an important part of the insurance industry.In 1982,insurance of China come back to the life and the life insurance corporation expanded slowly.In2020,the life insurance revenue was 2.4 trillion RMB,the addition of 6.1% year-onyear.Although China’s life insurance revenue was world leader,it does not mean that China’s insurance industry has been very mature.There are many factors affecting the development of the life insurance market,Demographic factors are one of them.The deepening of aging,the increase of children’s ratio and the continuous grow of per years of education will influence the development of life insurance business.Moreover,due to the different positioning of life insurance products,the population structure changes,and the choice of different life insurance products is also different.Therefore,this thesis studies the relevance between population formation and life insurance requirement from the two dimensions of total requirement and requirement formation,which is of great importance to the balanced development of population policy and life insurance market.Firstly,this treatise introduces the basic concepts and related notions of population formation and life insurance.Then it states the development status of China’s population formation and life insurance market,then theoretically resolving the impact of population formation on the total requirement and requirement formation of life insurance,and uses the provincial panel record of 30 provinces domain from 2010 to 2019,Using static panel record,this paper first makes a quantitative dissects the summation of life insurance,and then makes an empirical dissects on the protection life insurance and investment life insurance.The main conclusions are as follows: The elderly proportion,per capital years of education,average house scale,occupational formation and floating population have an active influence on the total requirement for life insurance;Children’s scale and gender ratio have no correlation with the total requirement for life insurance;The ratio of cities and towns inhibits the total requirement for life insurance.In the requirement formation of life insurance,the elderly dependency ratio and average family size have an important active impact on guarantee life insurance,but not on investment life insurance;The influence of child dependency ratio and sex scale on the double kinds of life insurance is not significant;education and occupational formation have an important active influence on investment life insurance and guarantee life insurance;The urban-rural ratio significantly inhibited the protection life insurance,but had no significant impact on the investment life insurance.Finally,according to the influence of population formation on the summation requirement and requirement formation of life insurance,this paper makes a relative proposals. |
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