| Life insurance is a financial instrument derived from people’s need for better pension and medical care and to make up for the lack of social security benefits.According to experience,life insurance policy holders are often young people with stable sources of income.With the growth of the proportion of the aging population,on the surface,it will not only cause the decline of the number of insured in the life insurance industry,but also more stimulate the purchase demand of life insurance products.The comprehensive impact of population aging on life insurance,whether it is positive or negative,what is the mechanism and logic of influencing the development of life insurance,in addition to population aging,what other factors affect the development of life insurance industry,need empirical analysis and verification.We build a quantitative data analysis model,and sort out the influencing factors of all kinds of life insurance demand,and make a comprehensive analysis of the influencing factors of life insurance demand.Through the verification of the model,we find that the aging population has a positive effect on the development of life insurance industry.Therefore,we can judge that under the background of the continuous aging of the population in our country,the life insurance industry in our country will face a broader development space.However,there are still some problems in the development of China’s life insurance industry,such as product supply structure,insurance payment mode,insurance service region and purchase mode,which can not meet the needs of aging society.How to improve the development system of life insurance more reasonably,make it meet the needs of the aging society,give full play to the social service function,has become an urgent problem to be studied and solved in depth.Combined with the development experience of foreign countries and the deficiencies in the development of China’s life insurance industry,this paper puts forward innovative development proposals such as Improve the management system of life insurance subject,developing new life insurance products suitable for the aging population,establishing financing products and pension service system for the aging population,Construction of medical health ecosystem,and changing the traditional regulatory mode of life insurance market,hoping to provide some reference for the healthy development of the life insurance industry. |
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