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本文主要应用GMDH自组织算法对影响我国寿险需求的因素进行分析。研究发现,我国寿险业的快速发展主要得益于经济的发展和教育水平的提高,同时由于寿险收入具有的长期性,前期的寿险收入也将影响当期的寿险收入。推进中国寿险业发展,应积极稳妥地发展经济,不断提高我国的教育水平,并设计更好的产品来满足消费者,特别是少年儿童和老年人的保险需求。
This article mainly uses the GMDH self-organizing algorithm to analyze the factors affecting the life insurance demand in China. The study found that the rapid development of China’s life insurance industry is mainly due to the economic development and the improvement of education level. At the same time, due to the long-term income from life insurance, the life insurance income of the previous period will also affect the current life insurance income. To promote the development of China’s life insurance industry, the economy should be actively and steadily developed, the educational level of our country continuously improved, and the better products designed to meet the insurance needs of consumers, especially children and the elderly.