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1、--畢業(yè)論文(2010屆)影響財(cái)產(chǎn)保險(xiǎn)需求因素的實(shí)證分析II摘要我國(guó)保險(xiǎn)業(yè)自1980年恢復(fù)辦理業(yè)務(wù)以來(lái)已經(jīng)取得了很大的進(jìn)步,但相比銀行業(yè)和證券業(yè),明顯存在規(guī)模小、地位低、競(jìng)爭(zhēng)不充分、市場(chǎng)不成熟等缺陷。而財(cái)產(chǎn)保險(xiǎn)業(yè)作為保險(xiǎn)市場(chǎng)的重要組成部分,也沒(méi)有得到均衡發(fā)展。很多學(xué)者都對(duì)保險(xiǎn)進(jìn)行了研究,但大都側(cè)重于人身保險(xiǎn)領(lǐng)域,較少涉及財(cái)產(chǎn)保險(xiǎn)領(lǐng)域。國(guó)內(nèi)對(duì)于影響財(cái)產(chǎn)保險(xiǎn)需求的因素的研究,也主要集中在定性分析,缺少實(shí)證研究。因此,對(duì)財(cái)產(chǎn)保險(xiǎn)進(jìn)行實(shí)證研究,尋找影響財(cái)產(chǎn)保險(xiǎn)需求的重要因素,以及分析它們的相關(guān)程度,對(duì)于財(cái)產(chǎn)保險(xiǎn)市場(chǎng)的發(fā)展有著重要意義。
2、本文以寧波市為研究對(duì)象,首先介紹相關(guān)概念及理論,然后通過(guò)分析影響財(cái)產(chǎn)保險(xiǎn)需求的因素,對(duì)近15年的財(cái)產(chǎn)保險(xiǎn)及其相關(guān)數(shù)據(jù)進(jìn)行實(shí)證研究,從而了解各因素對(duì)財(cái)產(chǎn)保險(xiǎn)的相關(guān)程度和經(jīng)濟(jì)意義。研究表明,經(jīng)濟(jì)發(fā)展水平是影響寧波市財(cái)產(chǎn)保險(xiǎn)需求的最重要因素,本文在此基礎(chǔ)上提出了一些對(duì)寧波市財(cái)產(chǎn)保險(xiǎn)市場(chǎng)發(fā)展有效的建議與措施。關(guān)鍵詞:財(cái)產(chǎn)保險(xiǎn);需求;實(shí)證分析IIAbstractChina'sinsuranceindustryhasmadegreatprogresssincetheresumptionofoperatingbusinessin1980,b
3、utcomparedtothebankingandsecuritiesindustry,itstillhasmanyobviousdefects,suchassmallscale,lowstatus,inadequatecompetition,immaturemarketandsoon.Actasanimportantpartoftheinsurancemarket,thepropertyinsuranceindustryhasnotbeendevelopedhealthilyeither.Manyscholarshavere
4、searchedoninsurance,butmostlyfocusedonthelifeinsurancearea,neglectingthepropertyinsurancearea.Domesticstudiesaboutthefactorsthatinfluencethedemandofthepropertyinsurancearecenteredonqualitativeanalysis,thuslackingempiricalresearch.Therefore,makingempiricalstudiesabou
5、tpropertyinsurancecanhelptofindtheinfluencefactorsofpropertyinsurancedemand,andanalyzetheirrelevance,whichhasgreatsignificanceforthedevelopmentofthepropertyinsurancemarket.ThispapertakesNingboastheresearchobject.Itfirstlyintroducestherelatedconceptsandtheories,andth
6、ananalyzesthefactorsthataffectthepropertyinsurancedemand,thirdlymakesempiricalresearchthroughthedatasofpropertyinsuranceandit’srelatedthingsabout15years,tofindouttherelevanceandeconomicsignificanceofeachfactortopropertyinsurance.TheresearchshowsthatGDPisthemostimpor
7、tantfactortotheNingbopropertyinsurancemacket,andthispaperputsforwardsomeeffectivesuggestionsandmeasuresonthebasisoftheresult.Keywords:Propertyinsurance;Demand;EmpiricalanalyzeII目錄IV1財(cái)產(chǎn)保險(xiǎn)需求的理論分析11.1財(cái)產(chǎn)保險(xiǎn)的概念11.2財(cái)產(chǎn)保險(xiǎn)需求的概念11.3財(cái)產(chǎn)保險(xiǎn)需求的相關(guān)理論分析21.3.1潛在保險(xiǎn)需求和有效保險(xiǎn)需求21.3.2馬斯洛的需求層
8、次理論31.3.3微觀經(jīng)濟(jì)學(xué)的需求法則31.3.4消費(fèi)者購(gòu)買(mǎi)行為理論42影響寧波市財(cái)產(chǎn)保險(xiǎn)需求的因素分析52.1寧波市財(cái)產(chǎn)保險(xiǎn)業(yè)的基本現(xiàn)狀52.2影響財(cái)產(chǎn)保險(xiǎn)需求的因素72.2.1經(jīng)濟(jì)發(fā)展水平(GDP)72.2.2居民儲(chǔ)蓄存款余額82.2.3保險(xiǎn)意識(shí)92.2.4固定資產(chǎn)投資1