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随着我国社会主义市场经济体制的不断完善,保险业为保持国民经济平稳较快运行做出了巨大贡献。由于我国居民收入水平存在着地区差异,居民收入对于保险支出的影响不尽相同。本文利用2009年到2013年31个省份的居民可支配收入与保险消费支出数据,通过面板数据回归的方法,得出不同收入水平地区对于保险产品消费支出存在区域性差异的结论,并据此提出相关建议。
As China’s socialist market economic system continues to improve, the insurance industry has made tremendous contributions to the steady and rapid operation of the national economy. Due to the regional differences in the income level of residents in China, the impact of residents’ income on insurance expenditures is not the same. Based on the data of household disposable income and consumer spending in 31 provinces from 2009 to 2013, this paper draws the conclusion that there are regional differences in consumer spending of insurance products in different income levels through panel data regression, and draws the conclusion Related suggestions.